📢 2026 Update: Bihar Student Credit Card अब 0% interest — Boys, Girls, Transgender, Divyang सभी के लिए। ₹4 lakh loan, no collateral, 40+ courses!
📋 BSCC 2026 — At a Glance
| Feature | Details |
|---|---|
| Scheme Name | Bihar Student Credit Card (BSCC) |
| Launched | 2 Oct 2016 (7 Nishchay Yojana) |
| Loan Amount | ₹4 lakh max |
| Interest Rate (2026) | 0% — ALL categories |
| Collateral | Not Required |
| Guarantor | Bihar Govt is guarantor |
| Eligibility | Bihar domicile, 12th pass |
| Age | UG ≤25 | PG ≤30 |
| Courses | 40+ (View List) |
| Repayment | 7 yrs (≤₹2L) / 10 yrs (>₹2L) |
| Portal | MNSSBY |
| Helpline | 1800 3456 444 |
Full detail: BSCC Scheme Overview | Detailed Guide
🔥 2026 में क्या बदला?
| 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 |
Update: BSCC 2026 Announcement
✅ Eligibility
- ✅ Bihar domicile | 12th pass (any board) | Recognized college | No income limit
📝 Documents
- ✅ Aadhaar + PAN | 10th + 12th Marksheet | Domicile | Admission Letter | Income Certificate | Photos
🖥️ Apply Process
- Register → MNSSBY Portal
- Form fill → Submit → DRCC visit → DRCC Guide
- Bank processing → Sanction → Disbursement
❓ FAQs
Bihar Credit Card kya hai?
Bihar Student Credit Card (BSCC) Bihar sarkar ki education loan scheme hai — ₹4 lakh tak 0% interest loan for higher studies। Full Info
Credit Card jaisa physical card milta hai?
Nahi! "Credit Card" naam hai scheme ka — yeh bank credit card nahi hai। Yeh ek education loan scheme hai jismein paisa directly college ko transfer hota hai।
Kab tak apply kar sakte hain?
BSCC year-round open hai — koi specific deadline nahi। Jab bhi admission ho, tab apply karein।
📚 BSCC Related Links
| Topic | Link |
|---|---|
| 🏠 BSCC Hub | Main Page |
| ✅ Eligibility | Eligibility Guide |
| 📝 Apply | Step-by-Step Apply |
| 📚 Courses | Courses List |
| 📝 Documents | Documents Checklist |
| 🔍 DRCC | DRCC Guide |
| 📊 EMI | EMI Rules |
| 🔧 Rejected? | Solutions |
Published by MeriShiksha — Last Updated: May 27, 2026
