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Bihar Student Credit Card Scheme Details

Bihar Student Credit Card Yojana 2025: Candidates can check their BSSC application status now. The Bihar Student Credit Card Yojana was launched on 2nd October 2016. This a loan scheme that helps the students to pursue higher studies. This Credit Card Scheme is also known as the “MNSSBY Bihar Student Credit Card Scheme“. The main aim of introducing this Credit Card yojana is to bridge the gap between the “Gross Enrollment Ratio” in Bihar and in other parts of India.
The Government has implemented this Yojana so that the students don’t stop studying due to their financial issues. The mode of applying for the Bihar Credit Card is online only on its official website. However, to apply for this Credit Card yojana, you need to fulfill certain eligibility conditions and other identification procedures. So, in this article, we have provided complete details regarding the MNSSBY Bihar Credit Card Scheme.

Bihar Student Credit Card Course List:

# Class Apply Now
1. B.A./ B.Sc./ B. Com. (All subject)
2 M.A./M.Sc./M.Com (All subject)
3 Aalim
4 Shashtri
5 B.C.A.
6 M.C.A.
7 B.Sc. (Information Technology/Computer Application/Computer Science)
8 B.Sc. (Agriculture)
9 B.Sc. (Library Science)
10 Bachelor of Hotel Management & Catering Technology (B.H.M.C.T.)
11 B.Tech/B.E. for laterally admitted candidates having degree of threeb years diploma courses approved by the State Technical Education Council
12 Hotel Management and Catering Technology
13 Hospital and Hotel Management
14 Diploma in Hotel Management (Three Year) (I.H.M. Course)
15 Bachelor in Yoga (Entry Level+2Pass)
16 B.Tech/B.E./B.Sc.(Engineering-all branches)
17 M.B.B.S.
18 B.Sc. (Nursing)
19 Bachelor of Pharmacy
20 Bachelor of Veterinary Medicine and Surgery (B.V.M.S.)
21 Bachelor of Ayurveda, Medicine and Surgery (B.A.M.S)
22 Bachelor of Unani Medicine & Surgery (B.U.M.S)
23 Bachelor of Homeopathic Medicine & Surgery (B.H.M.S.)
24 Bachelor of Dental Surgery (B.D.S.)
25 General Nursing Midwifery (G.N.M)
26 Bachelor of Physiotherapy
27 Bachelor of Occupational Therapy
28 Diploma in Food, Nutrition/ Dietetics
29 Bachelor of Mass Communication/Mass Media/Journalism
30 B.Sc. in Fashion Technology/Designing/Apparel Designing/Footwear Designing
31 Bachelor of Architecture
32 Bachelor of Physical Education (B. P. Ed.)
33 M.Sc/M.Tech Integrated course
34 M.A./M.Sc./M.Com (All subject)
35 Diploma in Food Processing/ Food Production
36 Diploma in Food & Beverage Services
37 B.A./B.Sc.-B.Ed. (Integrated Courses)
38 Bachelor of Business Administration (B.B.A.)
39 Master of Business Administration (M.B.A.)
40 Bachelor of Fine Arts (B.F.A.)
41 BL/LLB (5 Year integrated Course)
42 Degree/Diploma in Aeronautical, Pilot Training, Shipping
42 Polytechnic

How to Apply for a Bihar Student Credit Card Scheme

  • Step 1:Visit the 7nishchay Bihar website.
  • Step 2:Click the ‘New Applicant Registration’ button.
  • Step 3: Fill out the details, such as name, email ID, mobile number, Aadhaar number, and OTP and click the ‘Submit’ button.
  • Step 4: Visit the 7nishchay Bihar website. and log in using the username and password.
  • Step 5: Fill out the details on the ‘Personal Information Page’ and click the ‘Submit’ button.
  • Step 6: Selects the ‘BSCC’ option from the drop-down list and click the ‘Apply’ button.
  • Step 7: Fill in the details on the BSCC form and submit it.
  • Step 8: Selects the ‘BSCC’ option from the drop-down list and click the ‘Apply’ button.
  • Step 9: Fill in the details on the BSCC form and submit it.
  • Step 10:A confirmation message and the acknowledgement number will be displayed.
  • Step 11:The respective District Registration and Counseling Center (DRCC) will schedule an appointment and send an email and SMS informing the applicant about the date of the visit to the DRCC
  • Step 12:The applicant should visit the DRCC with self-attested documents and submit them to the Multi-Purpose Assistant (MPA) for verification
  • Step 13:After verification by the concerned authorities and loan sanction by the bank, the DRCC will send an SMS and email to the applicant informing the date the applicant should visit the DRCC to collect the ‘Student Credit Card’ and sanction letter of the loan.
  • Step 14:The applicant should visit the bank to complete the documentation formalities after collecting the ‘Student Credit Card’ and the bank’s sanction letter from the DRCC.
  • Step 15:The applicant will get the loan disbursement from the bank, and bank officials will inform the same to the DRCC.

Documents Required for the Bihar Student Credit Card Scheme

The following documents are required for the Bihar Student Credit Card Yojana 2025 â€“

  • Mark Sheet of 10th and 12th Class
  • Residential Certificate of the candidate
  • Detailed Document of Fee for Higher Education, issued by the Institute.
  • Selection Certificate from the recognized Institute for Higher Education
  • PAN Card
  • Self-Attested Copies of the application form with passport-size photographs
  • Last 6 months bank statement of your parent’s
  • Income Tax Return of the last two years
  • Other Identification Documents such as Aadhaar Card/Voter ID Card/Passport/ Driving License etc.

Loan Approval Process for Bihar Student Credit Card Card

After submitting all the documents successfully, the Government then verifies all the documents. The BSCC Credit Card verification process takes around 10 to 15 days after receiving the documents from the student. Thereafter, the successful verification of the documents, the details are then transferred to the banks which then approve or disapprove the loan.

However, the approval and disapproval of the loan are shared by the banks through SMS on registered mobile number shared at the process of form filling. So, once, the loan is approved, the applicant has to visit the bank branch to complete the rest of the formalities.

Interest Rates of MNSSBY Bihar Student Credit Card

The Interest Rates for the Bihar Student Credit Card Yojana vary with the banks. Earlier, the Interest Rate of Canara Bank was 12% and Madhya Bihar Gramin Bank was 12.5% per year. But according to the latest information, the Bihar Government is providing loan at 4% simple interest. However, 1% is for the women, PWD, and transgender, through “Bihar Student Education Finance Corporation”.

Moreover, no interest is applicable for the course duration of 4 years (B.Tech) plus an additional year. Therefore, you need to pay your loan after 5 years of admission to the course in installments. However, you can also extend the deadline, by informing the DRCC. All you have to do is write an application form twice a year (July and December).

Highlights of Bihar Student Credit Card Yojana 2026


Features and Benefits of Student Credit Card :-

  • Fee payable to college++/ school/ hostel*
  • Examination/ Library/ Laboratory fee
  • Insurance premium for student borrower
  • Caution deposit, Building fund / refundable deposit supported by Institution bills/receipts. **
  • Purchase of books/ equipment / instruments / uniforms**
  • Purchase of computer at reasonable cost, if required for completion of the course**
  • Any other expense required to complete the course - like study tours, project work, thesis, etc.**
  • While computing the loan required, scholarships, fee waiver etc., if any available to the student borrower may be taken into account. If the scholarship component is included in the loan assessment, it may be ensured that the scholarship amount gets credited to the loan account when received from the Government.

Notes: ++ For courses under Management quota seats considered under the scheme, fees as approved by the State Government/Government approved regulatory body for payment seats will be taken, subject to viability of repayment.

* In case hostel facility is not available, on production of certificate to the effect by the institute, living expenses (expenses incurred by student borrower towards lodging and boarding) will be reimbursed as per category of the city provided in Annexure II and Standard rates for different category of cities provided in Annexure III.

** These expenses could be considered subject to the condition that the amount does not exceed 20% of the total tuition fees for the entire course

Eligibility criteria For Bihar Student Credit Card Scheme:

  • Should be an Indian national.
  • Should be resident of Bihar with Maximum age of 25 Years.
  • Intermediate exam passed student from Institutions recognized from Bihar School Exam Committee, 12th passed student from Institution recognised by Central Board of Secondary Education or Equivalent boards, Sub-Shastri passed students from Institutions recognized by Bihar State Sanskrit Education Board and Moulvi passed student from recognized Institute by Bihar State Madarsa Board will also be facilitated under this scheme. These Educational Institutes must compulsorily be located /situated in Bihar.
  • If applicant is a degree holder of one level he will not be covered for degree of the same level under this scheme. This will not be applicable to technical and management courses. For instance, under this scheme, the loan shall not be provided to science graduate degree holder for pursuing graduate level courses for studying again in any other Faculty of Arts, Science or Commerce. But will be eligible for pursuing higher education under courses like MBA or MCA.
  • CIBIL score of the student shall be more than or equal to 700. In case CIBIL score is lower than 700 it will be sanctioned by next higher authority.
  • Student should have been enrolled or selected for enrolment for pursuing higher education in the educational institutions recognized by concerned regulatory boards/ agencies of Bihar Govt. or other state Govts. or Central Govt.
  • Loan application will be received only if student have UID or Aadhar Card Number.
  • Loan will be disbursed only for students having valid Permanent Account Number (PAN Card)Institutes Eligible for Studies:
  • Educational institutions recognized by concerned regulatory boards/ agencies of Bihar Govt. or other State Govts. or Central Govt.

Official Guidance For Bihar Student credit Card

Sr. No.
Manager
District
Mobile
Address Of DRCC
1 Gajendra kumar Drcc araria 7903233798 Campus of Sadar Prakhand karyalaya, Post Araria, Pincode: 854311
2 Garima Drcc arwal 7739639697 Pipra Bangla, Arwal, Post Shahpur, Pincode: 804401
3 Sneha kumari Drcc aurangabad 9939502331 Next to Town Inter School, Shahpur, Old G.T.Road, Aurangabad, Pincode: 824101
4 Rajnish raj Drcc banka 9899175409 Banka Samarhalaya Parisar, Dabutola, Banka, Pincode: 813102
5 Babu sarvjeet akela Drcc begusarai 9852017757 Sadar Prakhand Parisar, Begusarai, Pincode: 851218
6 Ravi ranjan kumar Drcc bhagalpur 8709104442 Government Polytechnic College, In front of Kanchangarh, Pincode: 812001
7 Ravi shankar prasad Drcc bhojpur 9934070190 Dhanpura, Opposite DAV school Ara, Pincode: 802301
8 Sunita singh Drcc buxar 8002655944 ITI Campus, Ward Number 13, Pincode: 802101
9 Vikas kumar Drcc darbhanga 06272247018 Kadirabad Bus Stand (Next to Government Polytechnic College), Post Lalbagh, Pincode: 846004
10 Satyendra kumar Drcc gaya 9955645336 State Polytechnic, Gaya Bodhgaya Road,Kendui, Pincode: 824231
11 Drcc gopalganj Basdila, Near Panchayat Bhawan, Post: Gopalganj, Pincode: 841428
12 Binay shankar Drcc jamui 7261054576 Dhadhaur, Sikandara, Post Itasagar
13 Kavita kumari Drcc jehanabad 9934679183 Kako Road,Near Jehanabad bus stand, Pin-804408
14 Md. akhatar ali Drcc kaimur 8002591927 Gram Dumdum, Prakhand Bhabhua Kaimur, Pincode: 821101
15 Amarjeet kumar vishwasi Drcc katihar 8864020100 Sadar Prakhand Karyalaya, Mirchabadai,Katihar, Pincode: 854109
16 Shyam sundar kumar Drcc khagaria 7903092321 Jila Krishi Karyalaya Campus, Post Khagaria, Pincode: 851204
17 Raj kishor Drcc kishanganj 8709497107 Block Campus (Prakhand Parisar), Kishanganj, Pincode: 855108
18 Sanjay kumar Drcc lakhisarai 8210903244 Near Mahisona Panchayat Bhawan, Lakhisarai, Pincode: 811315
19 Shailesh kumar pandey Drcc madhepura 9955424051 Behind Sadar Anchal Karyalaya Madhepura, Pincode: 852113
20 Akhilesh kumar bharti Drcc madhubani 8407870135 Mitholi, Post Madhubani, Pincode: 847211
21 Sunira prasad Drcc munger 9113305561 Sujawalpur, Sadar Prakhand Parisar, Munger, Pincode: 811201
22 Manoj kumar pradhaan Drcc muzaffarpur 9431273541 Behind Nehru Stadium, Sikandarpur, Pincode: 842001
23 Kalpana kumari prasad Drcc nalanda 7762892556 Sipah More, Aadarsh Thana,Deep Nagar ke Pichhe, Deep Nagar, Biharsharif Bihar-803101
24 Sumedha rani Drcc nawada 9308661190 Near Budhaul Bus Stand, Budhaul, Post-Nawada, Pincode-805110
25 Prem prakesh dewakar Drcc pashchim champaran 9709449771 Areraj Road, Bettiah, ITI Training Center, Near Jaiprakash Nagar, Pincode: 845438
26 Kumari poonam pal Drcc patna 06122508008 Chajjubag, In Front of Bihar State Cooperative Federation, Pincode: 800001
27 Chandan kumar Drcc purbi champaran 9934633195 Near Polytechnic College Motihari, Panchayat Lutaha, Post Motihari, Pincode: 845401
28 Pankaj Drcc purnia 9471867656 Fire Brigade Centre, Near Maranga, Post Purnia, Pincode: 854301
29 Indu chakrawarty Drcc rohtas 9508648676 Mokar, Sasaram In Aara- Patna road Pin code- 821113
30 Rajeev ranjan Drcc saharsa 9341575199 Next to Rajkiya Kanya Vidhyalaya, Pincode: 852201
31 Sandhya kumari Drcc samastipur 7631851992 3 km from District Magistrate office, Sadar Prakhand, Near Samstipur, Samstipur Rosada Road, Pincode: 848101
32 Leena kumari Drcc saran 9939273911 Ratanpura, Bidtolia Road, Chapra, Saran, Pincode: 841301
33 Navin bhaskar choudhary Drcc sheikhpura 9123410614 South of Navodaya Vidayala, Shekhpura, Pincode: 811105
34 Satish kumar Drcc sheohar 8709373092 Block Campus, Sheohar, Pincode: 843329
35 Kushwaha kumar amalendu Drcc sitamarhi 9934900747 ITI Campus, Shanti Nagar, Sitamarhi, Post Dumrah, Pincode: 843301
36 Bhaskar Drcc siwan 9304565382 Mahadeva J.B.R. Vidyalaya (Mahila Prashikshan Kendra), Siwan, Pincode: 841226
37 Shailesh kumar Drcc supaul 9798291295 ITI Campus Supaul, Pincode: 847452
38 Roshan ara Drcc vaishali 7909075628 Harvanshpur, Konhara Ghat, Gandhi Setu Main Road, Pincode: 844101