I want to study in Delhi/Bangalore. Can I still get BSCC?

Yes! BSCC covers courses at recognized institutions ANYWHERE in India — not just Bihar. If you're a Bihar domicile studying engineering in Bangalore or MBA in Delhi, you're fully eligible. The institution must be recognized by UGC/AICTE/relevant authority.

I've already taken admission. Can I apply retroactively?

Yes. You can apply even after starting your course — the loan covers remaining semesters. However, it's better to apply early as processing takes 30-60 days. Already-paid fees in the current year may be reimbursed.

What if I can't repay the loan after graduation?

Repayment doesn't start until 1 year after course completion. If you're unemployed, you can request deferment. The interest is 0% (girls) or 1% (boys), so the amount doesn't balloon like private loans. The government may also announce partial loan waivers for certain categories — check the portal for latest updates.

Can I get BSCC and a regular bank education loan both?

No. BSCC is meant for students who cannot get regular bank loans due to lack of collateral or income proof. If you've already taken a bank education loan for the same course, you're not eligible for BSCC. However, if the bank rejected your loan application, you can then apply for BSCC.

My 12th marks are low (50%). Am I still eligible?

BSCC doesn't have a minimum marks cutoff — any 12th pass student from Bihar is eligible regardless of marks. However, the course you're applying for must have admitted you. If a college requires 60% for admission, you need to meet THEIR criteria first — BSCC only handles the financing.

Active SchemeUpdated: March 2026

🎓

Bihar Student Credit Card — Education Loan up to ₹4 Lakh

Bihar government provides up to ₹4 lakh education loan at zero interest to 12th pass students for higher education — covering tuition, hostel, books, and laptop

Loan Amount

Up to ₹4 Lakh

Interest

0% (for girls/disabled: 0%)

Repayment

After course + 1 year

State

Bihar

📝Apply Online 📞Helpline: 1800-3456-444

📖What is Bihar Student Credit Card — Education Loan up to ₹4 Lakh?

Bihar Student Credit Card (BSCC) is a revolutionary education financing scheme launched by the Bihar government under the '7 Nishchay' program. It provides education loans up to ₹4 lakh to 12th pass students from Bihar at ZERO effective interest for female students, transgender students, and students with disabilities. For male students, the interest rate is 1% (effectively near-zero).

The loan covers: tuition fees, examination fees, hostel charges, library fees, books and stationery, laptop/tablet purchase, and other institutional fees. The repayment starts only AFTER the course is completed + 1 year grace period — so you don't pay a single rupee while studying.

The scheme covers a wide range of courses: B.Tech, MBBS, BBA, BCA, BA, BSc, BCom, LLB, MBA, MCA, MSc, and 42+ courses at recognized universities and colleges across India (not limited to Bihar). Even students studying in Delhi, Bangalore, or any other state can avail this loan if they are Bihar domiciles.

Unlike regular education loans from banks which require collateral and have 8-12% interest, BSCC requires NO collateral, NO guarantor, and has 0-1% interest. The Bihar government bears the interest cost. This is perhaps the best education loan available in India for economically weaker students.

✅Eligibility

ResidenceMust be a permanent resident of Bihar

EducationMust have passed 12th (10+2) from a recognized board

AgeMust be 25 years or below at the time of application

CourseMust be enrolled or seeking enrollment in a recognized course (42+ courses covered including engineering, medical, management, law, arts, science)

Family incomeNo strict income limit — but scheme targets economically weaker families. Annual family income should not exceed ₹5 lakh.

Loan amountActual tuition fee + ₹4 lakh (whichever is lower). Includes tuition, hostel, books, laptop.

Interest rateFemale/transgender/disabled: 0%. Male: 1% simple interest.

💰What Expenses Are Covered

The ₹4 lakh loan covers ALL of the following:

Tuition fees: As charged by the institution (recognized universities/colleges only).

Examination fees: Semester/annual exam fees.

Hostel/accommodation: Hostel charges if studying away from home.

Library and laboratory fees: As applicable.

Books and stationery: Actual cost of required textbooks and materials.

Laptop/tablet: One-time purchase up to ₹15,000-20,000 for academic use.

Other institutional charges: Development fees, sports fees, etc. as charged by the institution.

What's NOT covered: Living expenses beyond hostel, travel expenses, coaching/tuition fees for competitive exams, and expenses at unrecognized institutions.

📝How to Apply — Step by Step

Create account with mobile number and email. Fill basic details — name, date of birth, 12th board and marks, Aadhaar number.

Fill the BSCC application form

Enter: personal details, family income details, course and institution you're enrolled/planning to enroll in, loan amount required (up to ₹4 lakh), and bank details.

Upload documents

12th marksheet, Aadhaar card, family income certificate, domicile certificate (Bihar), admission letter from institution (if available — can be submitted later), bank passbook, passport photos.

Visit DRCC (District Registration cum Counseling Center)

After online application, you must visit your district's DRCC for document verification and biometric capture. Carry all original documents. DRCC is typically at the District Magistrate's office.

Loan sanctioned and disbursed

After DRCC verification, the loan is sanctioned. Amount is disbursed in installments — directly to the educational institution for fees, and to your bank account for other expenses. Processing takes 30-60 days from DRCC visit.

📝How to Apply

Mobile verification → fill form → upload documents.

Visit DRCC with original documents

District Registration cum Counseling Center at DM office.

Loan sanctioned in 30-60 days

Amount sent to institution (fees) + your bank (other expenses).

Repay after course completion + 1 year grace

EMI repayment begins after grace period. 0% for girls, 1% for boys.

⚠️You must visit the DRCC in person — online application alone is NOT sufficient. Carry ALL original documents. DRCC verification is the most critical step. Helpline: 1800-3456-444