The Bihar Student Credit Card Yojana (BSCC) is a flagship education loan scheme launched by the Government of Bihar to financially support students pursuing higher education across India. Students who are permanent residents of Bihar and secure admission in approved institutions located in West Bengal can apply for financial assistance under this scheme, subject to verification and approval.
Table of Contents
About Bihar Student Credit Card Yojana (BSCC)
Under the BSCC scheme, eligible students can avail education loans up to ₹4 lakh to pursue professional, technical, medical, management, engineering, and other higher education courses. The scheme aims to increase access to quality education and reduce financial barriers for students from economically weaker backgrounds in Bihar.
Eligible College List in West Bengal
| Name of the College/Institution | District Name | State | Pincode | Institute Type |
|---|---|---|---|---|
| Jadavpur University | Kolkata | West Bengal | 700032 | Government |
| Rabindra Bharati University | Kolkata | West Bengal | 700050 | Government |
| Presidency University | Kolkata | West Bengal | 700073 | Government |
| University of Burdwan | Bardhaman | West Bengal | 713104 | Government |
| University of Calcutta | Kolkata | West Bengal | 700073 | Government |
| University of Kalyani | Nadia | West Bengal | 741235 | Government |
| University of North Bengal | Darjeeling | West Bengal | 734430 | Government |
| Ramakrishna Mission Vivekananda Educational and Research Institute | Howrah | West Bengal | 711202 | Private |
| Ramakrishna Mission Vivekananda Centenary College | Kolkata | West Bengal | 700118 | Private |
| Ramakrishna Mission Residential College | Kolkata | West Bengal | 700103 | Private |
| Bethune College | Kolkata | West Bengal | 700006 | Government |
| Indian Institute of Technology Kharagpur | Paschim Medinipur | West Bengal | 721302 | Government |
| Indian Institute of Engineering Science and Technology | Howrah | West Bengal | 711103 | Government |
| National Institute of Technology Durgapur | Bardhaman | West Bengal | 713209 | Government |
| Narula Institute of Technology | Kolkata | West Bengal | 700109 | Private |
| Maulana Abul Kalam Azad University of Technology | Nadia | West Bengal | 700064 | Government |
| The West Bengal National University of Juridical Sciences | Kolkata | West Bengal | 700098 | Government |
| Visva Bharati University | Birbhum | West Bengal | 731235 | Government |
| Raja Narendralal Khan Women’s College | Paschim Medinipur | West Bengal | 721102 | Government |
| Ramakrishna Mission Sikshanamandira | Howrah | West Bengal | 711202 | Private |
| Shimurali Sachinandan College of Education | Nadia | West Bengal | 741248 | Private |
| Southfield College | Darjeeling | West Bengal | 734101 | Government |
| St. Joseph’s College | Darjeeling | West Bengal | 734104 | Private |
| Acharya Brojendranath Seal College | Cooch Behar | West Bengal | 736101 | Government |
| Acharya Prafulla Chandra College | Kolkata | West Bengal | 700131 | Private |
| Asutosh College | Kolkata | West Bengal | 700026 | Government |
| Bangabasi Morning College | Kolkata | West Bengal | 700009 | Government |
| Durgapur Government College | Bardhaman | West Bengal | 713214 | Government |
| Gobardanga Hindu College | North 24 Parganas | West Bengal | 743273 | Government |
| Goenka College of Commerce and Business Administration | Kolkata | West Bengal | 700012 | Government |
| Gushkara Mahavidyalaya | Bardhaman | West Bengal | 713128 | Private |
| Haldia Institute of Technology | Purba Medinipur | West Bengal | 721657 | Private |
| Institute of Engineering and Management | Kolkata | West Bengal | 700091 | Private |
| Krishnath College | Murshidabad | West Bengal | 742101 | Government |
| Mahishadal Raj College | Purba Medinipur | West Bengal | 721628 | Government |
| Maulana Azad College | Kolkata | West Bengal | 700013 | Government |
| MCKV Institute of Engineering | Howrah | West Bengal | 711204 | Private |
| Midnapore College | Paschim Medinipur | West Bengal | 721101 | Government |
| Nistarini College | Purulia | West Bengal | 723101 | Private |
| Panskura Banamali College | Purba Medinipur | West Bengal | 721152 | Government |
| Ramakrishna Sarada Mission Vivekananda Vidyabhavan | Kolkata | West Bengal | 700055 | Private |
| Shri Shikshayatan College | Kolkata | West Bengal | 700071 | Private |
| Sovarani Memorial College | Howrah | West Bengal | 711408 | Government |
| St. Xavier’s College | Kolkata | West Bengal | 700016 | Private |
| Vivekananda College | Kolkata | West Bengal | 700129 | Government |
| Bankura Christian College | Bankura | West Bengal | 722101 | Private |
| Salesian College | Darjeeling | West Bengal | 734209 | Private |
| Footwear Design & Development Institute | Kolkata | West Bengal | 743502 | Government |
| Barasat Government College | North 24 Parganas | West Bengal | 700124 | Government |
| Behala College | Kolkata | West Bengal | 700060 | Government |
| Government College of Engineering & Ceramic Technology | Kolkata | West Bengal | 700010 | Government |
| Krishnagar Government College | Nadia | West Bengal | 741101 | Government |
| Mahadevananda Mahavidyalaya | Kolkata | West Bengal | 700120 | Government |
| Bankura Zilla Saradamani Mahila Mahavidyapith | Bankura | West Bengal | 722101 | Private |
| Bhairab Ganguly College | Kolkata | West Bengal | 625002 | Private |
| Bhatter College | Paschim Medinipur | West Bengal | 600014 | Private |
| JIS College of Engineering | Nadia | West Bengal | 625009 | Private |
| Technique Polytechnic Institute | Hooghly | West Bengal | 712102 | Private |
| Dr B C Roy Engineering College | Bardhaman | West Bengal | 713206 | Private |
| BCDA College of Pharmacy & Technology | Kolkata | West Bengal | 700127 | Private |
| Gupta College of Technological Sciences | Bardhaman | West Bengal | 713301 | Private |
| Indian Institute of Management Calcutta | South 24 Parganas | West Bengal | 700104 | Government |
| International Management Institute Kolkata | Kolkata | West Bengal | 700027 | Private |
| Guru Nanak Institute of Pharmaceutical Science & Technology | Kolkata | West Bengal | 700114 | Private |
| NSHM Knowledge Campus | Bardhaman | West Bengal | 700053 | Private |
| NIFT – Kolkata | Kolkata | West Bengal | 700098 | Government |
| National Institute of Locomotor Disabilities Divyangjan Kolkata | Kolkata | West Bengal | 700090 | Government |
| B.P. Poddar Institute of Management & Technology | Kolkata | West Bengal | 700052 | Private |
| Bengal College of Engineering & Technology | Durgapur | West Bengal | 713212 | Private |
| College of Engineering and Management | Purba Medinipur | West Bengal | 721134 | Private |
| St. Thomas College of Engineering and Technology | Kolkata | West Bengal | 700023 | Private |
| Indian Maritime University | Kolkata | West Bengal | 700088 | Government |
| Netaji Subhash Engineering College | Kolkata | West Bengal | 700152 | Private |
| Aligarh Muslim University Murshidabad | Murshidabad | West Bengal | 742223 | Government |
| Institute of Hotel Management Catering Technology and Applied Nutrition | Kolkata | West Bengal | 700088 | Government |
| Ghani Khan Choudhury Institute of Engineering and Technology | Malda | West Bengal | 732141 | Government |
| Budge Budge Institute of Technology | South 24 Parganas | West Bengal | 700137 | Private |
| Globsyn Business School | South 24 Parganas | West Bengal | 700091 | Private |
| Siliguri Institute of Technology | Darjeeling | West Bengal | 734009 | Private |
| Supreme Knowledge Foundation Group of Institutions | Hooghly | West Bengal | 712139 | Private |
| Food Craft Institute Darjeeling | Darjeeling | West Bengal | 160036 | Government |
| Maynaguri Government Polytechnic | Jalpaiguri | West Bengal | 735302 | Government |
| Central Institute of Plastics Engineering and Technology Haldia | Purba Medinipur | West Bengal | 721657 | Government |
| Uttar Banga Krishi Viswavidyalaya | Cooch Behar | West Bengal | 736165 | Government |
| Indian Institute of Social Welfare and Business Management Kolkata | Kolkata | West Bengal | 700073 | Government |
| University Institute of Technology Burdwan | Bardhaman | West Bengal | 713104 | Government |
| National Institute of Homoeopathy Kolkata | Kolkata | West Bengal | 700106 | Government |
| Asansol Girls College | Bardhaman | West Bengal | 713304 | Government |
| Aahoran State Institute of Hotel Management | Bardhaman | West Bengal | 713206 | Government |
Note: The above list contains major government and approved private institutions in West Bengal. Final eligibility under the Bihar Student Credit Card Yojana is subject to verification of course category and institutional approval at the DRCC level.
Key Features of BSCC Scheme
- Education loan up to ₹4 lakh
- Available for approved colleges across India
- Moratorium period during course duration
- Simple documentation process
- Government-supported interest structure
- Covers tuition fees and approved academic expenses
Eligibility Criteria
- Applicant must be a permanent resident of Bihar
- Must have completed 10+2 or equivalent qualification
- Admission must be secured in a recognized institution
- Course must fall under BSCC-approved categories
- Age criteria as prescribed under BSCC guidelines
Documents Required
- Aadhaar Card
- Bihar Residence Certificate
- 10th & 12th Mark Sheets
- Admission Letter
- Detailed Fee Structure
- Income Certificate
- Passport-size Photographs
- Bank Account Details
How to Apply for BSCC
- Visit the official BSCC portal.
- Complete online registration.
- Fill in personal and educational details.
- Upload required documents.
- Schedule and visit DRCC for verification.
- Track application status through the dashboard.
Frequently Asked Questions (FAQs)
1. Can Bihar students apply for BSCC to study in West Bengal institutions?
Yes, students who are permanent residents of Bihar can apply for the Bihar Student Credit Card scheme if they secure admission in approved institutions located in West Bengal. Approval is subject to document verification and institutional eligibility.
2. What is the maximum loan amount available?
Eligible students can avail an education loan of up to ₹4 lakh under the BSCC scheme. The sanctioned amount depends on the approved fee structure and academic expenses.
3. Are IITs and central institutes in West Bengal eligible under BSCC?
Yes, premier institutions such as IITs, NITs, IISERs, and central universities located in West Bengal are generally eligible, provided the course falls under approved categories.
4. Does the loan cover hostel and examination fees?
Yes, apart from tuition fees, certain approved academic expenses such as examination fees, library charges, and hostel fees may be covered within the sanctioned limit.
5. When does repayment begin?
Repayment starts after completion of the course along with the prescribed moratorium period, allowing students time to secure employment before EMI begins.
6. Is admission confirmation mandatory before applying?
Yes, confirmed admission in an approved institution is mandatory. Students must upload the admission letter and fee structure during application.
7. Can private colleges in West Bengal be covered?
Yes, approved private institutions may be covered if they meet BSCC guidelines. Final approval depends on institutional verification.
8. How can applicants track their application status?
Students can log in to the official BSCC portal to monitor verification status, approval updates, and document requirements.