Introduction: Confusion After 12th Is Completely Normal
After the 12th result is declared,
marks may be decent,
dreams are clear — but fees often become the biggest roadblock.
For many students in Bihar, the challenge is not ability or talent, but financial support.
Private universities look promising, but affordability is often unclear.
Government colleges, on the other hand, have limited seats and high competition.
To bridge this gap, the Bihar Government introduced the Student Credit Card Scheme, ensuring that financial limitations do not decide a student’s future.
If you are considering MATS University Raipur, this blog will provide clear, practical, and honest guidance to help you decide wisely.
What Is MATS University Raipur?
MATS University Raipur is a UGC-recognized private university located in Raipur, Chhattisgarh.
The university offers programs across multiple disciplines, such as:
- Management
- Engineering & Technology
- Law
- Pharmacy
- Science & Commerce
For Bihar students, the key point is that selected courses are eligible under the Bihar Student Credit Card Scheme, which can make private education financially accessible.
Bihar Student Credit Card Scheme (BSCC): Simple Explanation
Bihar Student Credit Card Scheme is an education loan initiative launched by the Bihar Government.
Key Points of the Scheme:
- 🎓 Education loan up to ₹4 lakh
- 💸 Interest is paid by the Bihar Government
- 📚 Applicable to recognized universities and approved courses
- 🧾 It is a loan, not a scholarship (repayment rules apply)
Important clarity:
This scheme helps reduce the financial burden of education, but it does not guarantee placement or salary.
👉 Students are advised to also explore the BSCC detailed guide available on Meri Shiksha for complete eligibility and repayment clarity.
Can Bihar Students Use BSCC for MATS University Raipur?
✔️ Yes, If Eligibility Conditions Are Met
Bihar students can apply for MATS University through BSCC if:
- The student is a permanent resident of Bihar
- The selected course is approved under BSCC
- A provisional admission offer is available
- Required documents are complete and verified
Final approval is given after district-level verification by the government committee.
✅ Indicative Fee Structure (BSCC Students – Session 2026–27)
The following fee structure is officially provided by the university and is specially designed for Bihar Student Credit Card Scheme students.
MATS University – Bihar Credit Card Scheme Fee Structure
Course | Fee with Hostel (₹) | Fee without Hostel (₹) |
| BBA | 4,50,000 | 4,00,000 |
| BCA | 4,50,000 | 4,00,000 |
| Diploma (Civil / Mech / CS / Mining) | 3,00,000 | 2,50,000 |
| B.Tech (Aero / CSE / AIML / Data Science) | 5,50,000 | 5,00,000 |
| B.Tech (Mining / Civil / Mech) | 4,50,000 | 4,00,000 |
| MBA | 4,00,000 | 3,50,000 |
| MCA | 4,00,000 | 3,50,000 |
| M.Tech | 4,00,000 | 3,50,000 |
| B.Pharma | 6,00,000 | 6,00,000 |
| LLB | 4,00,000 | 3,50,000 |
| BALLB | 5,00,000 | 4,50,000 |
| B.Sc | 4,00,000 | 3,50,000 |
| B.Com | 4,50,000 | 4,00,000 |
📌 Important Fee Notes (Must Read)
- Fees are package-based (hostel & mess included where applicable)
- Applicable for Session 2026–27
- Specially structured for BSCC students
Additional Initial Payments:
- 📝 Registration Fee: ₹2,000/- (one-time)
- 📄 Bonafide letter issued after registration and document submission
- 🏫 ₹10,000 payable at campus reporting, adjustable in total fees
👉 Students should plan these initial expenses personally.
Popular Courses for Bihar Students at MATS University Raipur
Based on student interest and demand, the following courses are commonly explored:
- B.Tech (CSE / AIML / Data Science)
- BBA & MBA
- BCA & MCA
- B.Pharmacy
- Law (LLB & BALLB)
- Diploma Engineering Programs
👉 Students should also compare these options with other universities and review after-12th course guides available on Meri Shiksha before finalizing.
Step-by-Step: Typical Admission Process for Bihar Students
- Choose a course based on interest and eligibility
- Obtain a provisional admission offer from the university
- Apply online for the Bihar Student Credit Card Scheme
- Documents are verified at the district level
- Loan approval and disbursement process begins
- Campus reporting and final admission confirmation
⏳ Timelines may vary, so early planning is strongly advised.
Honest Reality Check (Very Important)
✔️ BSCC provides access to higher education
❌ It does not guarantee jobs or placements
✔️ Private university exposure can be beneficial
❌ Career success depends on skills, consistency, and effort
The best decisions are made with facts, research, and self-awareness, not pressure.
Frequently Asked Questions (FAQs)
1. Can Bihar students really study at MATS University Raipur using the Bihar Student Credit Card Scheme?
Yes, if both the course and university are BSCC-approved. Admission and loan approval depend on document verification and government approval.
2. Is the Bihar Student Credit Card Scheme a scholarship or a loan?
It is an education loan. The government pays the interest, but students must repay the principal amount later.
3. Does the mentioned fee include hostel and mess charges?
Yes, the “with hostel” fee includes hostel and mess facilities. The “without hostel” option excludes them.
4. Is placement guaranteed after completing a course from MATS University Raipur?
No. There is no placement guarantee. Career outcomes depend on skills, performance, and market conditions.
5. How much money does a student need to pay initially from their own pocket?
₹2,000 for registration and ₹10,000 at campus reporting, both adjustable in the total fee structure.
6. How long does the BSCC approval process usually take?
The timeline varies by district and document verification. It may take a few weeks to a few months.
7. Are all courses at MATS University covered under BSCC?
No. Only approved courses are covered. Students must confirm eligibility before admission.
8. Is MATS University Raipur suitable for financially constrained students after 12th?
It can be an option, but students should carefully evaluate course relevance, fees, loan responsibility, and long-term goals.
Conclusion: Fees Should Not Be the Final Barrier
If you are from Bihar and education is delayed due to financial reasons,
MATS University Raipur + Bihar Student Credit Card Scheme can be a possible pathway.
Before taking a final decision:
- Understand fees and loan terms clearly
- Evaluate the career scope of the course
- Avoid pressure-based decisions
👉 Explore More on Meri Shiksha
If you:
- Are confused about courses after 12th
- Want clarity on education loans or BSCC eligibility
- Wish to compare private vs government college options
👉 Read the complete guide on Meri Shiksha:
www.merishiksha.org