How to Apply for Student Credit Card in Bihar

The Government of Bihar has launched the Bihar Student Credit Card (BSCC) scheme for students who have completed their 10+2 but do not have the resources to study further. To fill out the form for the Student Credit Card in Bihar, students have to apply online. This scheme is specifically for all those who are interested in pursuing higher education but are unable to go for it due to a lack of financial resources. Those wondering how to apply for Student Credit Card in Bihar can read this article for more information.

What is Bihar Student Credit Card?

The Planning and Development Department, Government of Bihar, has introduced a scheme of the Bihar Student Credit Card . It aims to provide financial aid to students to complete their higher education. The needy students who want to continue their higher education can avail this scheme and get a loan of Rs 4 lakhs.

Also Read: Bihar Student Credit Card Course List

How to Apply for Bihar Student Credit Card

The Bihar Student Credit Card application is done online. Students who want to benefit from this scheme should carefully fill out the online application form. Go for the Student Credit Card Bihar apply online by following the steps discussed below:

Go to the Home Page

• Visit the website 7nishchay-yuvaupmission.bihar.gov.in to apply for the BSCC scheme.

Create New User Login

• The new candidates have to generate their login credentials (username and password).
• To get the credentials, they have to click on “New Applicant Registration”.
• Enter your details like the First Name as per 10th board, email ID and mobile number.
• After entering the above details, click on the “Send OTP” button.
• You will receive an OTP on your given mobile number and email ID. Enter the OTP and click on the submit button.
• On submission, a ‘successfully registered’ confirmation message will be displayed. The applicant will also receive a confirmation email on their email ID and SMS confirming their login credentials.
• After this, the applicant has to click on the ‘Go to Home Page’ button.

Log In with Credentials

• You can log in to the portal using the credentials provided to them on email ID and SMS and also enter the CAPTCHA code.
• After successfully logging in, you will have to change your password.
• For that, your have to enter the old password, enter a new password and re-enter the new password. Then, click on ‘Submit’.
• After submission of the new password, a successful password change message will be displayed on the screen.
• You will have to login again into the portal using the new password.

Fill in the Application Form

• After a successful login, the candidate will have to enter their personal details.
• Click on Matric/ 10th Board dropdown. The drop-down will list the 10th Standard/ Matric Boards in the State of Bihar. They have to choose from;  Bihar School Examination Board,  CBSE,  ICSE, Bihar State Madarasa Board, Bihar State Sanskrit Board, or Other.
• For those who select “Bihar School Examination Board”, the system will fetch the details of the applicant from the Bihar School Examination Board once they enter their roll number, roll code and year of passing. The data that will be fetched from the board cannot be edited.
• The applicant who selects the “Other” board option has to fill in their board name.
• Provide your Roll Number, School/ Roll Code, Year of Passing and School Name.
• The 12th Standard/ HSC Pass option will appear with Yes and No options.
• If the applicant selects “Yes" then they have to choose one from the following:

1. Bihar School Examination Board
2. CBSE
3. ICSE
4. Bihar State Madarasa Board
5. Bihar State Sanskrit Board
6. Other

• Those who select “Other” have to provide the details of their board.
• Mention your Roll Number/ Index Number, School Code/ Roll Code, Year of Passing and School Name.
• Then enter your first name, middle name, last name, husband/ father’s name and mother’s name.
• Your email ID will be auto-filled.
• Next, select your gender and fill in your DOB, marital status, and category (SC, ST, GEN, OBC, EBC or BC).
• Your mobile number will be auto-filled.
• After that, enter your Aadhaar number, PAN number, Bank name, Bank Account number, Branch name and IFSC code.
• In the “Residential Address” section, the applicant has to select the type of address: a) Urban b) Rural
• If you select Urban, you have to fill in:

1. House/ Flat Number
2. Building / Apartment Name / Street Name
3. Ward No
4. District (Districts in the State of Bihar)
5. Pin code
6. Post Office
7. State (States & UT's in India)

• If you select Rural, then enter:

1. Village Name
2. Post Office
3. Ward Number
4. District* (Districts in the State of Bihar)
5. Pin code
6. State

• Enable “Address for Correspondence of Applicant” as Residential Address or Permanent Address.
• Click on Submit.

Enter Co-Applicant Details

If you have a co-applicant, you have to enter their details just like yours, as done above. Some details of the co-applicant have to be provided.

1. Financial/ Income Information of the Co-applicant
2. Monthly Gross Salary
3. Monthly Net Salary
4. Other Income as per IT return (Enable the check box if not applicable)
5. Particulars of deduction from Gross salary (Enable the check box if not applicable
6. Income as per IT Return (Enable the check box if not applicable.
7. In the “Employment Details of the Co-applicant” section, enable the check box if not applicable, else enter the Name of the Employer
8. Name of the Department
9. Designation
10. Employee Number
11. Date of Retirement
12. Number of years of Present Employment

Enter Details of the Applicant

• Details of Security Offered (Security not necessary for loan up to Rs. 4 Lakhs)

1. Plot/ Flat/ House Number
2. Lease/ Freehold
3. Date
4. Name
5. Address
6. Estimated Market Value
7. Click on Interest in Immovable Property
8. Click on the checkbox for Vehicle/ Car
9. If “Yes”, it will enter the Registration Number in the text box provided
10. In Other Securities, enter the Name of the Security
11. Serial Number
12. Name of the Holder
13. Maturity Value
14. Estimated Market Value.

• Provide Details of Course/ Study

1. Name of the proposed course of study
2. Name of the college/ institution
3. University affiliated
4. Address with state, district, and pin code
5. Duration of the course
6. Course commencement date
7. Expected monthly income after completion of courses
8. Employment Potential after Completion of Course (Y/N)
9. Bank Account Number of Institute
10. Bank Name of the Institute
11. IFSC code of the bank account

• Provide Details of Loan Request

1. Tuition Fees
2. Essential Books, Stationery, Equipment
3. Examination Fees
4. In Maintenance Expenditure (City Category), select State from the drop-down.
5. Select “City” from the drop-down. If the city is not available, then enter the city in the “Other” field
6. System auto-fill “Category” based on the specified city
7. Amount of loan applied
8. Insurance Premium for the duration of the loan and start-up period
9. Total (should tally with the sources) in the text box provided
10. Amount of non-repayable Studentship Fellowship, etc, available to the student
11. Amount of funds available from family sources for the course in the text box provided.
12. Enter the loan amount applied for in the text box provided.
13. Enter the Total (should tally with the cost).

• Provide Details of Financial Worth of the Co-Applicant

Provide details below against “Details (Bank, Branch, etc.)”, “Amount (INR)” and “Bank Assessment”

1. Saving in Bank (Saving Banks + Fixed Deposits)
2. How Long The Account Has Been Maintained
3. Immovable
4. Current PF Balance (Your Share)
5. Investment in NSC/Share/Debentures/Bonds, etc
6. Investment in Jewellery / Gold
7. Life Insurance/Postal Life etc.
8. Capital In various firms (your share), HUF share and share in associate concern

• Provide Details of Existing Loans (From any Bank)

Give loan details against “Bank Name”, “Account Number”, “Date of Loan ”,“ Loan Amount ”,“ Present Outstanding & Mode of payment

1. Housing Loan
2. Car Loan
3. PF Loan
4. Borrowings from Friends and Relatives
5. Credit Society
6. Others (please specify)

Provide below loan details against “EMI” and “Details of Security Charged”

1. Housing Loan
2. Car Loan
3. PF Loan
4. Borrowings from Friends and Relatives
5. Credit Society
6. Others (please specify)

• Provide Proposed/ Preferred Repayment and Payment of Interest

1. Enter “Mode of Repayment (How Many Months or EMIs)”
2. Click on By Student, By Guardian or Payment of full interest as and when applied during the moratorium
3. No interest will be paid during the moratorium
4. In “Do you have an existing relationship with the bank if so, details thereof”, click “Yes/ No”. Once you click on Yes, you have to provide details.
5. In “Do you wish to open a savings account with the bank?”, select “Yes/ No”.  Once you click on Yes, you have to provide details.
6. In “Is there any guarantee given to the bank/Other Bank?” choose “Yes/ No”.

Submit the Form

• After entering the details, students now have to submit the application form for the Bihar Student Credit Card.

Documents Required for Bihar Student Credit Card

Students wondering how to apply Student Credit Card in Bihar need to keep some important documents that will be needed at the time of application. To apply for the Bihar Student Credit Card, they need to provide the following important documents mentioned here:

• Filled out application form
• Photograph of the student
• Class 10th and 12th certificate and mark sheet
• Aadhaar card
• PAN card
• Approved course structure
• Proof of admission
• Fee details
• Copies of the letter granting scholarship (if available)
• Proof of residence (Passport, ID, driving license, Voter ID)
• Tax receipt
• Previous year’s income certificate
• Previous six months’ bank statement
• Previous two years’ income tax return

Bihar Student Credit Card Eligibility

The Bihar Student Credit Card is not issued to every student, as there are some eligibility requirements that are to be met. Find out who all are eligible for the BSCC scheme:

• The student should be a permanent resident of the state of Bihar.
• Those applying for the BSCC scheme should have passed Class 12th.
• The applicant getting admission to the institution must be recognised by the state or central government regulatory agency.
• Under the Student Credit Card Scheme 2020, students will be given loans for higher education for general courses and technical or professional programs.
• Students must be aged 25 years and above.

Also Read: Bihar Student Credit Card Status

Benefits of Bihar Student Credit Card

Now that students have an idea of how to apply for Student Credit Card in Bihar, they must know the benefits of this scheme. The Government of Bihar has come up with a great opportunity for needy students of Bihar to help them continue their higher education. Find the benefits of the Bihar Student Credit Card scheme below:

• Students will be provided with a loan of up to 4 lakh rupees.
• The borrower does not have to pay any interest for specific students.
• Loans can be availed for polytechnic, MBBS, technical and general courses.
• The interest rate is as low as 1% for females, transgenders, and disabled students.
• The loan amount can be used to buy a laptop, pay college fees or buy study materials such as books, etc.

Related Links:

For any queries regarding the Bihar student credit card 2025, free to dial our toll-free number 1800-572-9877 or fill out CollegeDekho’s Common Application Form or log on to our QnA Zone for admission-related queries.

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