How to Check a College’s Eligibility for BSCC Loan?

How to Check a College’s Eligibility for BSCC Loan: The Bihar Student Credit Card Scheme is an initiative by the Government of Bihar enabling students to pursue higher education without any sort of financial constraints. Under this scheme, students can avail loans up to INR 4 lakh for higher studies in recognised colleges and institutions across India. However, not all colleges and universities are eligible under this scheme, and it is crucial for every applicant to verify an institution’s BSCC loan college eligibility criteria before applying for the loan. This guarantees a seamless loan approval procedure and avoids issues that might occur from enrolling in an institution that is ineligible. The check BSCC loan eligibility for colleges primarily involves verifying whether the college is listed under the BSCC-approved institutions and meets the necessary accreditation and recognition criteria set by the government.

To determine a college’s eligibility, students should first visit the official website of the Bihar Student Credit Card scheme or the Education Department of Bihar. The list of authorised colleges and universities that are eligible under this program is updated by the government on a regular basis. A student may need to get in touch with the Bihar State Education Loan Department or the institution's administrative office to find out the status of their preferred college is not on the list. Students should also confirm that the college is approved by the All India Council for Technical Education (AICTE), the University Grants Commission (UGC), or other appropriate accrediting organisations. The eligibility of courses offered by the institution also plays a crucial role, as the loan is available only for specific professional, technical, and general degree programs.

In addition to online verification, students can get help from the Bihar government-established District Registration and Counselling Centre (DRCC). These centres offer assistance with loan disbursement, application procedures, and institution eligibility. Students may be asked to provide more documentation for verification if their selected college is not pre-approved. To be eligible in some circumstances, the institution might have to register with the BSCC scheme. Therefore, in order to prevent needless delays or rejections, it is advised that students perform extensive research and verify their eligibility before applying for a loan. Students can make an informed choice and guarantee a simple education loan application process through the Bihar Student Credit Card program by following these steps to know about the list of BSCC-eligible colleges in Bihar.

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How to Verify if a College is BSCC-Approved?

The following procedures can be used to ascertain whether a college qualifies for the Bihar Student Credit Card (BSCC) program:

• Visit the Official Website: Go to the official website of the Bihar Student Credit Card scheme at 7nishchay-yuvaupmission.bihar.gov.in.​
• Access the List of Eligible Colleges: On the homepage, students must click on the "List of Approved Colleges" or "Check Institution Eligibility" section. After clicking on the respective section, candidates can check the comprehensive list of institutions approved under the BSCC scheme.
• Search for the Specific College: The list of BSCC-eligible colleges in Bihar is organised in a tabular format, displaying details such as college code, name, university affiliation, district, and accreditation status.
• Review College Details: Candidates must verify all the details about the college like status, accreditation and institute type.
• Contact the College Directly: Applicants can get in touch with the college's admissions or administrative office if it is not on the official list or if they need more information. The college authorities can give conclusive proof of their involvement in the BSCC program.
• Consult District Registration and Counseling Centers (DRCCs): Candidates can visit their local DRCC for personalized assistance. These DRCC centres are established to guide students through the BSCC application process and can confirm the eligibility of specific colleges.

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How to Apply for BSCC Loan in an Eligible College?

Students can follow the steps mentioned below to know how to apply for BSCC loan in an eligible college.

Online Registration

• Visit the official website
• Click on New Applicant Registration under the Bihar Student Credit Card Scheme
• Fill in the required details like date of birth, name, Aadhar card number, registered mail ID and phone number
• An OTP will be sent to the mobile and email for verification
• After verification, candidates have to create a login ID and password

Fill Application Form

• Login to your account
• Select the Bihar Student Credit Card as the scheme
• Provide personal, academic and college details
• Upload the required documents
• Review the form and submit the form

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Upload Documents

• Candidates have to upload their Aadhaar card, PAN card, class 10 & 12 mark sheets, admission letter from college/university, fee structure of the course and bank account details
• The documents for guardian/co-borrowers that needed to be uploaded are Aadhaar and PAN card, address proof like voter ID/ration card/electricity bill, income proof like salary slip / ITR and bank statement for the last 6 months
• Candidates have to upload college documents like AICTE / UGC recognition proof
• Fee details & admission confirmation letter

Document Verification & Interview

• After submission of the application the uploaded documents will be verified by the District Level Committee (DLCC)
• The applicants will be called for an interview to verify course details and loan eligibility
• The DLCC forwards the application to a partner bank for loan approval

Loan Sanction & Disbursement

• If approved, the loan agreement is signed by the student and co-borrower.
• The amount is disbursed directly to the college in installments.
• Repayment starts after 1 year of course completion (moratorium period)

In conclusion, to guarantee a smooth approval process and financial support for higher education, it is crucial to confirm a college's eligibility for the Bihar Student Credit Card (BSCC) loan. Students should begin by visiting the DRCC (District Registration and Counselling Centre) or the Department of Education, Bihar website to view the official list of approved institutions. Verifying the college's AICTE, UGC, or other pertinent accreditation is also essential. Avoid needless delays by carefully examining the loan eligibility requirements and asking DRCC officials for advice. Students can maximise the advantages of the BSCC scheme and make well-informed decisions by following these steps.

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To get guidance feel free to dial our toll-free number 1800-572-9877 or fill out CollegeDekho’s Common Application Form . An admissions counsellor will be assigned to you to make your journey hassle-free. In case of any queries or concerns, you can write to us in the QnA zone .

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