The Bihar Student Credit Card Yojana (BSCC) is a flagship education loan scheme launched by the Government of Bihar to support students pursuing higher education across India. Students who are permanent residents of Bihar and secure admission in approved institutions located in Karnataka can apply for financial assistance under this scheme.
Karnataka is one of India’s largest education hubs, hosting prestigious institutions such as IITs, IIMs, IISc, NITs, central universities, state universities, government medical colleges, engineering colleges, and reputed private universities. However, under BSCC, loan approval strictly depends on institutional and course eligibility, as verified through the MNSSBY portal and the District Registration & Counseling Center (DRCC).
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About Bihar Student Credit Card Yojana (BSCC)
Under the Bihar Student Credit Card Scheme, eligible students can avail education loans of up to ₹4 lakh for pursuing professional, technical, and general degree courses from approved institutions across India. The scheme aims to remove financial barriers, encourage higher education, and support students from economically weaker backgrounds.
Eligible Colleges & Institutes Under BSCC in Karnataka
Below is a comprehensive list of major colleges and institutions in Karnataka that are generally considered eligible under the BSCC scheme. Final eligibility is confirmed only after MNSSBY listing and DRCC verification.
| Name of the College / Institution | District / City | State | Pincode | Institute Type |
|---|---|---|---|---|
| Indian Institute of Science (IISc) | Bengaluru | Karnataka | 560012 | Central Government (Research & Technical) |
| Indian Institute of Technology Dharwad (IIT Dharwad) | Dharwad | Karnataka | 580011 | Central Government (Technical) |
| Indian Institute of Management Bangalore (IIM Bangalore) | Bengaluru | Karnataka | 560076 | Central Government (Management) |
| National Institute of Technology Karnataka (NITK Surathkal) | Mangaluru | Karnataka | 575025 | Central Government (Technical) |
| Central University of Karnataka | Kalaburagi | Karnataka | 585367 | Central University |
| Bangalore University | Bengaluru | Karnataka | 560056 | State Government University |
| University of Mysore | Mysuru | Karnataka | 570005 | State Government University |
| Karnataka University | Dharwad | Karnataka | 580003 | State Government University |
| Gulbarga University | Kalaburagi | Karnataka | 585106 | State Government University |
| Mangalore University | Mangaluru | Karnataka | 574199 | State Government University |
| Rajiv Gandhi University of Health Sciences (RGUHS) | Bengaluru | Karnataka | 560041 | State Government (Medical) |
| Bangalore Medical College & Research Institute | Bengaluru | Karnataka | 560002 | Government Medical College |
| Mandya Institute of Medical Sciences | Mandya | Karnataka | 571401 | Government Medical College |
| University Visvesvaraya College of Engineering (UVCE) | Bengaluru | Karnataka | 560001 | Government Engineering College |
| RV College of Engineering | Bengaluru | Karnataka | 560059 | Private (AICTE Approved) |
| PES University | Bengaluru | Karnataka | 560085 | Private University |
| Manipal Academy of Higher Education | Manipal | Karnataka | 576104 | Deemed University |
| Christ (Deemed to be University) | Bengaluru | Karnataka | 560029 | Deemed University |
| Jain (Deemed-to-be University) | Bengaluru | Karnataka | 562112 | Deemed University |
Important Disclaimer:
The Bihar Student Credit Card Yojana (BSCC) is approved on an institution-and-course basis.
While this page lists major colleges and institutes in Karnataka, final eligibility is confirmed only through the MNSSBY portal and DRCC verification.
Students must verify their specific course and institution before paying admission fees.
Key Features of BSCC
- Education loan up to ₹4 lakh
- Applicable for approved colleges across India
- Moratorium period during course duration
- Interest subsidy supported by Government of Bihar
- 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
- Admission must be in a recognized and BSCC-approved institution
- Course must fall under BSCC approved categories
Documents Required
- Aadhaar Card
- Bihar Residence Certificate
- 10th & 12th Mark Sheets
- Admission Letter
- Official Fee Structure
- Income Certificate
- Passport-size Photographs
How to Apply for BSCC
- Visit the official MNSSBY / BSCC portal.
- Complete online registration.
- Fill personal, academic, and admission details.
- Upload required documents.
- Visit DRCC for verification.
- Track application status online.
Frequently Asked Questions (FAQs)
1. Can Bihar students apply for BSCC to study in Karnataka?
Yes. Bihar domicile students can apply for BSCC if they take admission in an approved institution in Karnataka and the course is eligible under MNSSBY guidelines.
2. Are IIT Dharwad, IISc, and IIM Bangalore covered under BSCC?
Yes. These are Central Government institutions and are generally eligible. However, course-wise approval and DRCC verification are mandatory.
3. Are private universities in Karnataka eligible for BSCC?
Private and deemed universities may be eligible if they are recognized by statutory authorities and listed in the MNSSBY system.
4. What is the maximum loan amount under BSCC?
The maximum loan amount under the Bihar Student Credit Card Scheme is ₹4 lakh, subject to approved expenses.
5. Is admission confirmation required before applying?
Yes. A confirmed admission letter and official fee structure are mandatory for BSCC application.
6. When does loan repayment start?
Repayment begins after completion of the course along with the prescribed moratorium period.
7. Does BSCC cover medical and engineering courses in Karnataka?
Yes. Medical, engineering, management, and other professional courses are covered if pursued from approved institutions.
8. How can students verify college eligibility?
Students should verify eligibility through the MNSSBY portal and confirm with their District Registration & Counseling Center (DRCC) before paying admission fees.