Student Credit Card Bihar: A Complete Guide for 2025

Written & Published By:

Money Teaches

The Student Credit Card Bihar scheme is a government initiative aimed at providing financial assistance to students who wish to pursue higher education. Launched under the Bihar Student Credit Card Scheme (BSCCS), this program enables students to get education loans up to ₹4 lakh at a minimal interest rate.

This blog covers everything you need to know about Student Credit Card Bihar apply process, required documents, eligibility criteria, course list, login details, helpline number, and list of colleges.

What is the Bihar Student Credit Card (BSCC)?

The Student Credit Card Bihar was launched by the Bihar Government in 2016 under the Mukhyamantri Nishchay Swayam Sahayata Bhata Yojana (MNSSBY). The scheme allows students to avail of an education loan up to ₹4 lakh for higher education in India or abroad.

Key Features of Student Credit Card Bihar:

Eligibility Criteria for Student Credit Card Bihar

To apply for a Student Credit Card Bihar, students must meet the following criteria:

• The applicant must be a resident of Bihar.
• He/she must have passed Class 12 from a recognized board.
• The student must be between 18-25 years old.
• The loan is only for higher education (graduation, post-graduation, technical, and professional courses).
• The institution where the student is applying must be recognized by UGC, AICTE, or other government bodies.

Documents Required for Student Credit Card Bihar

To complete the Student Credit Card Bihar apply online process, the following documents are needed:

Student Credit Card Bihar Apply Online: Step-by-Step Guide

The Student Credit Card Bihar apply online process is simple and can be completed through the official website of MNSSBY Bihar.

Step 1: Visit the Official Website

Go to the official Bihar Government portal: M N S S B Y

Step 2: Select ‘Student Credit Card’ Option

On the homepage, click on ‘Student Credit Card’ and then choose ‘Apply Online’.

Step 3: Register and Fill the Application Form

• Enter personal details (Name, DOB, Gender, Aadhar Number, Mobile Number, Email ID).
• Provide educational details (10th, 12th marks, course details).
• Enter college/university details and the amount required for education.

Step 4: Upload Required Documents

Upload scanned copies of all documents required for Student Credit Card Bihar, including Aadhar, PAN, admission letter, and fee structure.

Step 5: Submit the Application

After filling in all details, click ‘Submit’ and note down your application number for future reference.

Step 6: Verification & Loan Approval

• The application will be verified by officials.
• A representative may visit your home for verification.
• Once approved, the loan will be disbursed to your college/university.

List of Colleges for Student Credit Card Bihar

Students can apply for loans for courses offered by recognized institutions across India. Below is a list of some top colleges eligible under the Student Credit Card Bihar scheme:

Student Credit Card Bihar Course List

The Student Credit Card Bihar covers various courses under professional, technical, and general education categories.

1. Technical & Professional Courses

• Engineering (B.Tech, M.Tech, Diploma)
• Medical (MBBS, BDS, BAMS, BHMS, Nursing, Pharmacy)
• Management (BBA, MBA, PGDM)
• Computer Science (BCA, MCA, IT, AI, Data Science)

2. General Degree Courses

• Science (BSc, MSc – Physics, Chemistry, Biology, Mathematics, Biotechnology, etc.)
• Commerce (B.Com, M.Com, CA, CS, CFA)
• Arts (BA, MA – History, Political Science, Psychology, Sociology, etc.)

Student Credit Card Bihar Helpline Number

Students facing any issues during the Student Credit Card Bihar apply online process can contact the helpline number:

📞 Toll-Free Number: 1800-3456-444
📧 Email: helpdesk@bihar.gov.in
🌐 Website: M N S S B Y

Advantages of Student Credit Card Bihar

• Zero Collateral Loan – No need to provide security.
• Minimal Interest Rates – 0% for girls and disabled students.
• Wide Course Coverage – Both professional and general courses included.
• Long Repayment Period – Up to 15 years for easy repayment.
• Boosts Higher Education in Bihar – Encourages students to pursue higher studies.

Student Credit Card Bihar: Repayment & Loan Benefits

Once you complete your education and get a job, you will need to repay the education loan. Here’s how repayment works:

1. Repayment Starts After a Grace Period

• Repayment begins one year after course completion or six months after getting a job, whichever is earlier.

2. Loan Tenure & EMI Structure

• Students can repay the loan in easy EMIs over 5-15 years.
• The EMI amount depends on the loan amount and interest rate.

3. Interest Rate Benefits

• Girls, Transgender & Specially-Abled Students – 0% interest (fully subsidized by the Bihar government).
• Boys – Low-interest rate (typically 4% per annum).

4. Loan Waiver for Meritorious Students

• The Bihar Government may waive off the loan for students who secure top ranks or contribute to society in a significant way.

Why You Should Apply for Student Credit Card Bihar?

The Student Credit Card Bihar is a life-changing opportunity for students who want to pursue higher education but lack financial support.

• No collateral required
• 0% interest for girls, transgender, and specially-abled students
• Loan up to ₹4 lakh
• Easy repayment with long tenure
• Covers a wide range of courses

If you are a student from Bihar, don’t let financial constraints stop you. Apply online today and take a step toward a brighter future!

Reach Out:

• LinkedIn
• Telegram
• Instagram

Student Credit Card West Bengal 2025 – Apply Online, Eligibility,

Student Credit Cards: Best Options & Benefits for Students 2025