The Bihar Student Credit Card Scheme 2025 (BSCCS) is one of the most popular educational loan initiatives under the 7 Nischay Yojana, helping thousands of Bihar students pursue higher education without financial hurdles.
Below are the most commonly asked questions and detailed answers related to the scheme — covering every aspect from eligibility to repayment.
Q1. What is the Bihar Student Credit Card Scheme 2025?
The Bihar Student Credit Card Scheme (BSCCS) is a government initiative under the 7 Nischay Yojana that offers education loans up to ₹4 lakh to Bihar students for pursuing higher education in recognized institutions across India. The government acts as a guarantor, ensuring affordable and accessible education for all.
Q2. Who manages the scheme?
The scheme is managed jointly by the Education Department, Planning & Development Department, and the Labour Resources Department, Government of Bihar, in collaboration with partner banks and the District Registration and Counseling Centers (DRCCs).
Q3. Can I apply if I’m studying outside Bihar?
Yes. Students who are permanent residents of Bihar but studying in recognized colleges or universities across India can apply, provided their institution is approved by UGC, AICTE, or the State Government
Q4. Who is eligible for the Bihar Student Credit Card Scheme?
Students must be residents of Bihar, have passed Class 12 from a recognized board, and have secured admission in a recognized college or university.
They should also be below 25 years of age at the time of application (relaxation applicable for professional courses).
Q5. What documents are required for the BSCC application?
You need the following mandatory documents:
Q6. Can two students from the same family apply?
Yes, multiple students from the same family can apply individually as long as they meet the eligibility requirements and are enrolled in recognized courses.
Q7. Which courses are covered under this scheme?
The scheme covers a wide range of recognized courses including:
Q8. Are distance or online education courses eligible?
Only UGC-approved distance education programs from recognized universities are accepted. Non-recognized or unapproved online courses are not eligible under this scheme.
Q9. Can I take the loan for foreign education?
No, The scheme is limited to Indian institutions only.
Education loans for studying abroad are not covered under the Bihar Student Credit Card Scheme 2025.
Q10. How much loan can I get through BSCC Bihar 2025?
Students can avail up to ₹4 lakh for pursuing higher education. The amount covers tuition fees, books, hostel, laptop, and other academic expenses directly related to the course.
Q11. What is the interest rate on the loan?
Q12. Is collateral required for this loan?
No, There is no need for collateral or guarantor. The Government of Bihar serves as the guarantor for all loans sanctioned under this scheme.
Q13. How can I apply for the Bihar Student Credit Card Scheme 2025?
You can apply online via the official website:
https://www.7nishchay-yuvaupmission.bihar.gov.in/
Register, fill in your details, upload documents, and submit the form. After that, visit your DRCC office with originals for verification and counseling.
Q14. Can I apply offline?
Yes, Students can apply offline by visiting the nearest DRCC center. Fill out the physical form, attach required documents, and attend the verification session for processing.
Q15. How can I track my application status?
You can track your loan application by logging into your account on the official portal and clicking the “Application Status” tab. You will also receive updates via SMS and email.
Q16. How is the loan disbursed to students?
The loan amount is disbursed directly to the educational institution’s account in installments based on course duration. It covers tuition, hostel, and academic expenses. No money is transferred to the student’s personal account.
Q17. When does loan repayment begin?
Repayment starts 1 year after course completion or 6 months after the student gets a job, whichever comes first. Students have up to 15 years to repay the loan in easy EMIs.
Q18. Can I repay the loan early?
Yes, Early repayment is allowed and encouraged. There are no prepayment penalties, and paying early can significantly reduce your total interest cost.
Q19. Who pays the interest during the study period?
The Government of Bihar pays the entire interest on your loan while you are studying and for one year after course completion. This is called the Interest Subsidy Benefit, which makes BSCC a 0% interest loan during the study phase.
Q20. What support does the government provide apart from loans?
The Bihar Government also runs skill development, employment training, and entrepreneurship programs under the 7 Nischay Yojana to help students build careers and repay loans comfortably after graduation.
Q21. Why do applications get rejected?
Common reasons include incomplete forms, mismatched documents, unrecognized colleges, invalid admission proof, or missing DRCC counseling attendance. Students can correct these errors and reapply through the official portal.
Q22. Can I reapply if my loan is rejected?
Yes, you can reapply after updating your documents or correcting any previous mistakes. DRCC officers can guide you during reapplication to ensure approval the second time.
Q23. How long does it take to receive loan approval and disbursement?
Typically, the process takes 15–30 working days after verification at the DRCC. The first installment is released once the bank and college complete all formalities.
Q24. Is there any processing or application fee?
No, The Bihar Student Credit Card Scheme 2025 is completely free. There are no application, registration, or processing charges at any stage.
Q25. Where can I get help if I face issues with my application?
You can contact your District Registration and Counseling Center (DRCC) or the official BSCC helpline at 1800-3456-444 for guidance, technical support, or complaint resolution.