Bihar Student Credit Card Scheme (BSSC) 2026

The Bihar Student Credit Card (BSCC) Scheme is an education financing program established by the Bihar Government in 2016 under Mukhyamantri Nishchay Yojana.

The scheme provides financial assistance to students who have completed their 12th grade, enabling them to access affordable higher education loans without facing financial barriers, thereby facilitating their pursuit of studies.

Eligible students can access loans for their higher educational needs of up to ₹4 Lakhs for General, Technical, or Professional Courses at recognised institutions throughout India under this program.

The BSCC Program primarily targets students from Economically Weaker Sections who wish to pursue higher education but lack adequate funding.

Objective:

The purpose of the BSCC Program is to eliminate financial roadblocks to higher education enrollment for young people in Bihar.

Key objectives of the program’s design are:

• To provide students who have completed 12th Class with simple methods of obtaining Education Loans;
• To enhance the skill development and employability of students;
• To minimise the number of dropouts after completing intermediate education;
• To develop a culture of inclusivity in education and provide young people with the tools necessary for empowerment.

The purpose of creating the BSCC Program is to enable Students who cannot afford to pay for higher educational tuition and associated expenses to pursue higher education.

Quick Overview

Particular	Details
Scheme Name	Bihar Student Credit Card (BSCC)
Launch Year	2016
Benefit	Education loan up to ₹4 lakh
Target Beneficiaries	12th pass students of Bihar
Interest Rate	Earlier 1–4%; later interest-free (2025 update)
Age Limit	Generally up to 25 years
Mode of Application	Online
Official Website	https://www.7nishchay-yuvaupmission.bihar.gov.in

Students are permitted to utilise the proceeds of the loan for tuition fees, books, hostel/boarding costs, and/or any equipment required for study purposes.

Benefits of the Bihar Student Credit Card Scheme

This scheme is beneficial to students in various ways, both financially and educationally.

Financial Benefits

• Loans of up to ₹4 lakh
• Money available for tuition fees, books, a laptop, and housing costs
• Flexible repayment terms
• Updated scheme policies have reduced or eliminated interest rates

To decrease financial stress on student borrowers, the Bihar government has made the loans provided through the BSCC scheme interest-free.

Academic Benefits

• Covered courses include university and technical degrees, as well as professional certifications.
• BSCC students will be eligible to attend universities throughout India.
• BSCC students may also receive support for skill-based and diploma-type courses.

Social Impact Benefits

• Higher education will be supported by making it easier for students from low-income households to attend.
• Low-income Students will have a greater chance of being successful and employable because of their higher educational achievements.

Eligibility Criteria

In order for students to be eligible to participate in the BSCC program, they must meet the following qualifications.

Basic Eligibility

• Must be a permanent resident of Bihar.
• Must have passed Class 12 (or equivalent) from an approved institution.
• Must have been accepted for admission to a recognised institution.
• Must be less than 25 years old.
  The qualification criteria listed above ensure that only legitimate and qualified students gain access to this program.

Additional Conditions

• Must not already be receiving any other education loan or assistance for the same course(s).
• Must have enrolled in an eligible university degree, diploma, or technical program.
• Must be attending an accredited institution.

Application Process (A Step-by-Step Guide)

Step 1: Visit the official site

Use the following link to access the BSSC portal: https://www.7nishchay-yuvaupmission.bihar.gov.in/

Step 2: Register as a New Applicant

• Click on the “New Applicant Registration” link.
  Fill out the registration form with your basic information (name, mobile number, aadhaar number, email address)
• Generate and verify an OTP to create your username and password.

Step 3: Log in to BSCC and Select the Scheme

• Log in to the BSCC portal using the ID you created during registration and your password.
• Select “Bihar Student Credit Card Scheme from the Dashboard page,

Step 4: Fill out the application form

• On the application form, enter your personal (identification), educational, and financial information.
• Upload any necessary documents.

Step 5: Verification and Approval

• Submit your application
• Visit the District Registration and Counselling Centre (DRCC) to have your application verified.
• Your application will be approved, and then your loan will be disbursed.

For information on how to register online and select a Scheme, see the official user manual (7 Nishchay Yuva Up Mission) located on the Bihar Student Credit Card Portal.

Required Documents

Applicants must have the following documents available:

Proof of Identification/Residence (Address):

• Aadhaar card
• PAN Card
• Bihar Domicile Certificate

Educational Documents:

• 10th and 12th-grade mark sheets
• The admission confirmation letter from the institution you are attending
• The course fee structure

Financial Documents:

• Family income certificate
• Bank account information (i.e., account number and bank name)

Verification will also require that you provide a new photo, your signature, and evidence of admission

Important Links:

Category	Link
Student Portal	CLICK HERE
College List for BSSC Students	CLICK HERE
Complete Application Process	CLICK HERE
User Mannual	CLICK HERE
Official Guidelines	CLICK HERE
BSSC Blank Form	CLICK HERE
Approved Courses List for BSSC	CLICK HERE
Feedback and Grievance Portal	CLICK HERE
Contact Details and Toll-Free Helpline Number	CLICK HERE
Download Mobile App	CLICK HERE

Frequently Asked Questions