📢 2026 Update: BSCC scheme अब 0% interest for ALL — Boys, Girls, Transgender, Divyang सभी categories। ₹4 lakh loan, no collateral, 40+ courses!
📋 BSCC Scheme — Complete Overview
| Feature | Details |
|---|---|
| Full Name | Bihar Student Credit Card Scheme |
| Launch | 2 Oct 2016 (7 Nishchay Yojana) |
| Loan | ₹4 lakh max |
| Interest (2026) | 0% — ALL categories |
| Collateral | Not Required |
| Eligibility | Bihar domicile, 12th pass, age ≤25 (UG) / ≤30 (PG) — Detail |
| Courses | 40+ courses — View List |
| Covers | Tuition + Hostel + Books + Laptop |
| Repayment | 7 yrs (≤₹2L) / 10 yrs (>₹2L) — EMI Rules |
| Documents | Checklist |
| Portal | MNSSBY |
| DRCC | 38 districts — DRCC Guide |
| Helpline | 1800 3456 444 |
Main article: BSCC Scheme Overview | Detailed Guide
🔥 2026 Changes
| Feature | Before | Now (2026) |
|---|---|---|
| Boys Interest | 4% | 0% |
| Girls/Others Interest | 1% | 0% |
| Repayment (≤₹2L) | 5 years | 7 years |
| Repayment (>₹2L) | 7 years | 10 years |
🖥️ Apply Process
- Documents ready → Checklist
- MNSSBY Portal → Register → Form → Submit
- DRCC visit → Bank → Disbursement → Timeline
Apply Online | Application Process
❓ FAQs
BSCC kab tak apply kar sakte hain?
BSCC year-round open — koi deadline nahi। Jab bhi admission ho, tab apply karein।
Kitne log BSCC se benefit le chuke hain?
5 lakh+ students — total ₹2,000 crore+ disbursed since 2016।
📚 BSCC Related Links
| Topic | Link |
|---|---|
| 🏠 BSCC Hub | Main Page |
| ✅ Eligibility | Eligibility |
| 📝 Apply | Apply |
| 📚 Courses | Courses |
| 📝 Documents | Documents |
| 🔍 DRCC | DRCC |
| 📊 EMI | EMI |
| 🔧 Rejected? | Solutions |
Published by MeriShiksha — Last Updated: May 27, 2026
