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 colleges or institutions located in Kerala can apply for financial assistance under this scheme.
Kerala is widely known for its high literacy rate and strong higher-education infrastructure. The state hosts premier central institutes, state universities, government medical colleges, engineering institutions, and reputed private and deemed 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 reduce financial barriers, promote higher education, and support students from economically weaker backgrounds.
Eligible Colleges & Institutes Under BSCC in Kerala
Below is a comprehensive list of major colleges and institutions in Kerala 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 Technology Palakkad (IIT Palakkad) | Palakkad | Kerala | 678623 | Central Government (Technical) |
| Indian Institute of Management Kozhikode (IIM Kozhikode) | Kozhikode | Kerala | 673570 | Central Government (Management) |
| National Institute of Technology Calicut (NIT Calicut) | Kozhikode | Kerala | 673601 | Central Government (Technical) |
| Central University of Kerala | Kasaragod | Kerala | 671316 | Central University |
| University of Kerala | Thiruvananthapuram | Kerala | 695034 | State Government University |
| Cochin University of Science and Technology (CUSAT) | Kochi | Kerala | 682022 | State Government University |
| Calicut University | Malappuram | Kerala | 673635 | State Government University |
| Kannur University | Kannur | Kerala | 670567 | State Government University |
| Mahatma Gandhi University | Kottayam | Kerala | 686560 | State Government University |
| Kerala University of Health Sciences | Thrissur | Kerala | 680596 | State Government (Medical) |
| Government Medical College, Thiruvananthapuram | Thiruvananthapuram | Kerala | 695011 | Government Medical College |
| Government Medical College, Kozhikode | Kozhikode | Kerala | 673008 | Government Medical College |
| Government Medical College, Kottayam | Kottayam | Kerala | 686008 | Government Medical College |
| College of Engineering Trivandrum (CET) | Thiruvananthapuram | Kerala | 695016 | Government Engineering College |
| Government Engineering College Thrissur | Thrissur | Kerala | 680009 | Government Engineering College |
| TKM College of Engineering | Kollam | Kerala | 691005 | Government-Aided Engineering College |
| Amrita Vishwa Vidyapeetham | Kollam / Kochi | Kerala | 690525 | Deemed University |
| Rajagiri School of Engineering & Technology | Kochi | Kerala | 682039 | Private (AICTE Approved) |
| Federal Institute of Science and Technology (FISAT) | Angamaly | Kerala | 683577 | Private (AICTE Approved) |
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 Kerala, 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 Kerala?
Yes. Bihar domicile students can apply for BSCC if they take admission in an approved institution in Kerala and the course is eligible under MNSSBY guidelines.
2. Are IIT Palakkad, IIM Kozhikode, and NIT Calicut 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 and deemed universities in Kerala eligible?
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 available 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 BSCC 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 Kerala?
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.