The Bihar Student Credit Card Yojana (BSCC) enables eligible students from Bihar to pursue higher education in recognized institutions across India, including Jammu and Kashmir. Students who secure admission in approved Government and Private institutions listed below may apply for financial assistance under the scheme as per official eligibility norms.
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About Bihar Student Credit Card Yojana (BSCC)
The BSCC scheme provides education loans up to ₹4 lakh to support students pursuing professional, technical, and higher education programs. The objective is to reduce financial barriers and promote access to quality education for students from Bihar.
Eligible College List in Jammu and Kashmir
| Name of the College/Institution | District Name | State/UT | Pincode | Institute Type |
|---|---|---|---|---|
| University of Jammu | Jammu | Jammu and Kashmir | 180006 | Government |
| UNIVERSITY OF KASHMIR | Srinagar | Jammu And Kashmir | 190006 | Government |
| Shri Mata Vaishno Devi University | Reasi | Jammu and Kashmir | 182320 | Government |
| Government College for Women | Jammu | Jammu and Kashmir | 180003 | Government |
| Central Institute of Buddhist Studies | Leh | Jammu and Kashmir | 194104 | Government |
| Government College for Women | Srinagar | Jammu and Kashmir | 190002 | Government |
| Government Degree College | Baramulla | Jammu and Kashmir | 193102 | Private |
| Government Degree College | Srinagar | Jammu and Kashmir | 190010 | Government |
| KCS College of Education | Jammu | Jammu and Kashmir | 181121 | Private |
| Government College of Education | Jammu | Jammu and Kashmir | 180001 | Government |
| MIER College of Education | Jammu | Jammu and Kashmir | 180001 | Private |
| Model Institute of Engineering and Technology | Jammu | Jammu and Kashmir | 180016 | Private |
| Sri Pratap College | Srinagar | Jammu and Kashmir | 190001 | Government |
| The Islamia College of Science and Commerce | Srinagar | Jammu and Kashmir | 190001 | Private |
| SHRI MATA VAISHNO DEVI UNIVERSITY | Udhampur | JAMMU AND KASHMIR | 182320 | Government |
| The Business School | Jammu | JAMMU AND KASHMIR | 180006 | Government |
| National Institute of Technology | Srinagar | Jammu and Kashmir | 190006 | Government |
| SHER E KASHMIR UNIVERSITY OF AGRICULTURAL SCIENCES AND TECHNOLOGY | Jammu | Jammu and Kashmir | 180009 | Government |
| INDIAN INSTITUTE OF MANAGEMENT JAMMU | Jammu | Jammu and Kashmir | 180016 | Government |
| INDIAN INSTITUTE OF TECHNOLOGY JAMMU | Jammu | Jammu and Kashmir | 181221 | Government |
| FOOD CRAFT INSTITUTE JAMMU | Jammu | Jammu and Kashmir | 181221 | Government |
| INSTITUTE OF HOTEL MANAGEMENT CATERING TECHNOLOGY & APPLIED NUTRITION SRINAGAR | Srinagar | Jammu and Kashmir | 190008 | Government |
Key Features of BSCC Scheme
- Education loan up to ₹4 lakh
- Applicable to recognized institutions across India
- Moratorium period during course duration
- Government-supported interest structure
- Covers tuition fees and approved academic expenses
Eligibility Criteria
- Applicant must be a permanent resident of Bihar
- Must have passed 10+2 or equivalent qualification
- Confirmed admission in recognized institution
- Course must fall under approved BSCC categories
Documents Required
- Aadhaar Card
- Residence Certificate of Bihar
- Academic Mark Sheets
- Admission Letter
- Fee Structure
- Income Certificate
Application Process
- Visit the official BSCC portal
- Complete online registration
- Upload required documents
- Attend DRCC verification
- Track application status online
Frequently Asked Questions (FAQs)
1. Can students from Bihar apply for BSCC to pursue higher education in Jammu and Kashmir institutions listed above?
Yes, permanent residents of Bihar who secure admission in recognized institutions in Jammu and Kashmir are eligible to apply. The course must comply with BSCC guidelines, and final approval is granted after verification.
2. What is the maximum loan amount available under the BSCC scheme for studying in Jammu and Kashmir?
Students can avail financial assistance up to ₹4 lakh. The sanctioned amount depends on the official fee structure and approved academic expenses under scheme norms.
3. Are both Government and Private colleges in Jammu and Kashmir eligible under the scheme?
Yes, both types of institutions are eligible provided:
- The institution is recognized by competent authorities.
- The course falls under approved categories.
- Verification is completed successfully.
4. Does the Bihar Student Credit Card loan cover hostel and other academic-related expenses apart from tuition fees?
The loan generally covers tuition fees along with approved academic expenses such as examination charges and study materials. Students must verify eligible components before final submission.
5. When does repayment of the BSCC loan begin after completing the course?
Repayment begins after completion of the course along with the prescribed moratorium period. This structure allows students sufficient time to secure employment before EMI payments begin.
6. Is confirmed admission mandatory before applying under the BSCC scheme?
Yes, confirmed admission is compulsory. Applicants must upload their admission letter and fee structure during the online application process.
7. How can applicants track the status of their BSCC application?
Students can log into the official portal and check their dashboard for updates regarding verification, approval, or pending documentation.
8. Are professional courses such as Engineering, Management, Agriculture, and Hospitality covered in Jammu and Kashmir?
Yes, professional and technical programs offered by recognized institutions are generally covered if they fall under approved BSCC categories.
9. Can students admitted through national-level entrance examinations apply for BSCC in Jammu and Kashmir?
Yes, admissions through recognized entrance exams such as JEE, CAT, or other approved tests are acceptable, provided institutional eligibility requirements are met.