Understanding the Bihar Student Credit Card (BSCC) Scheme eligibility is the first and most important step for students planning higher education in 2026. Operated under the Mukhyamantri Nishchay Yojana, this initiative provides an education loan of up to ₹4 lakh with 0% interest, making higher education more affordable and accessible.
Whether you plan to pursue B.Tech, MBBS, MBA, law, or general graduation, meeting the BSCC eligibility rules ensures a smooth application process through the DRCC (District Registration & Counseling Center).
To qualify for the BSCC loan, applicants must meet the following conditions:
The scheme is designed exclusively for residents of Bihar. During DRCC verification, students must submit valid domicile proof.
Note: Age is calculated on the date of application submission.
Students cannot apply for funding at the same academic level already completed unless upgrading to a professional or technical qualification.
There is no minimum percentage requirement at the state level.
The BSCC scheme covers 40+ approved course categories.
Courses must be approved by UGC, AICTE, or relevant regulatory bodies.
Q1. Can I apply for the Bihar Student Credit Card if I am studying in a college outside Bihar?
Yes, students can apply for the BSCC loan for colleges outside Bihar, provided the institution is recognized by UGC, AICTE, or the relevant central regulatory body. Many students use this scheme to fund their education in major hubs like Bangalore, Delhi, and Pune. However, you must ensure that the college is listed on the official BSCC approved institution list on the MNSSBY portal before starting your application at the DRCC.
Q2. Is there a minimum percentage requirement in Class 12 to be eligible for BSCC?
As per the 2026 guidelines, the Bihar government has not fixed a mandatory minimum marks requirement at the state level. You must have successfully passed Class 12 (Intermediate) from a recognized board. However, you must meet the admission and merit criteria set by your chosen university or institute to secure a confirmed seat.
Q3. Can the BSCC loan amount be used to purchase a laptop or cover hostel expenses?
Yes. The ₹4 lakh loan limit covers more than tuition fees. Students enrolled in approved technical and professional courses can claim up to ₹35,000 for a laptop within the total loan ceiling. The scheme also covers hostel fees, mess charges, and livelihood expenses for students staying in rented accommodation, ensuring comprehensive financial support.
Q4. What happens if I remain unemployed after completing my course? Do I still have to pay EMIs?
The BSCC repayment rules include a supportive unemployment protection provision. If a student is unable to secure employment after the moratorium period, they may apply for a repayment deferment by submitting a self-certified affidavit of unemployment at the DRCC periodically. This allows repayment to be postponed until stable employment is secured, reducing financial stress on fresh graduates.
Q5. Is the Bihar Student Credit Card scheme interest-free for all students in 2026?
Yes. Following the Bihar Cabinet decision of September 2025, the BSCC scheme is now completely interest-free (0%) for all categories of students. Previously applicable rates (4% for male applicants and 1% for female, transgender, and Divyang students) have been discontinued. Students are required to repay only the principal loan amount.
Q6. Are students with an academic gap eligible to apply for the BSCC scheme?
Yes, a study gap does not automatically disqualify you. Many students take a gap year for entrance exam preparation such as JEE or NEET and remain eligible as long as they fall within the age limit (typically up to 25 years for undergraduate and 30 years for postgraduate programs). Applicants should provide a valid explanation for the gap and submit all required documents.