Students applying under the Bihar Student Credit Card Scheme (BSCC) often ask one critical question: “How much time does the entire BSCC process take?”
Understanding the exact BSCC step-by-step timeline helps students plan admissions, avoid panic, and take the right action at the right stage. This guide explains each stage clearly, along with the approximate time required.
If you are new to BSCC, first read the BSCC overview page .
Stage 1: Online Application Submission
The BSCC journey starts with online application on the official portal. Students must fill personal details, education details, and course & college information.
- Time required: 1–2 days
- Ensure documents are clear and accurate
Follow the correct method: BSCC apply online – step by step .
Stage 2: DRCC Appointment Booking
After application submission, students must book an appointment at District Registration and Counseling Center (DRCC).
- Time required: 3–10 days (depends on slot availability)
Understand DRCC importance: Role of DRCC in BSCC .
Stage 3: DRCC Verification
At DRCC, officials verify:
- Domicile certificate
- Class 12 qualification
- Course and college approval
- Uploaded documents
- Time required: 7–14 days
Any mismatch can delay or reject the application.
Stage 4: Application Forwarded to Bank
Once DRCC verification is successful, the application is forwarded to the partner bank.
- Status changes to “Forwarded to Bank”
- Time required: 2–5 days after DRCC approval
Stage 5: Bank Processing & Loan Approval
The bank verifies fee structure, course duration, and loan amount.
- Time required: 15–30 days
If delayed, read: BSCC bank delay issues .
Stage 6: Loan Sanction & Disbursement
After approval, the loan amount is disbursed directly to the educational institution.
- Final stage of BSCC process
- Student receives confirmation
If status is stuck, check: BSCC status not updating .
Total Time Taken for BSCC Process
Under normal conditions, the complete BSCC process may take:
- Minimum: 4–6 weeks
- Maximum: 8–10 weeks (peak season)
BSCC Timeline – Frequently Asked Questions
Q. Can BSCC process be completed faster?
Ans. Yes, if documents are correct and DRCC & bank follow-ups are timely.
Q. Does delay mean rejection?
Ans. No, delay usually indicates processing workload.
Q. Should I reapply if BSCC is taking too long?
Ans. No, reapply only after understanding the delay reason.
For full clarity, always rely on the BSCC overview page .