बिहार स्टूडेंट क्रेडिट कार्ड योजना 2024 आवेदन फार्म, नियम पात्रता, कोर्स लिस्ट

बिहार स्टूडेंट क्रेडिट कार्ड योजना:- Bihar Student Credit Card Yojana was inaugurated by the Chief Minister, Nitish Kumar, on October 2, 2016, with the aim of providing loans for higher education to the state’s students. Under this scheme, financially disadvantaged students who have passed the 12th grade in Bihar can receive a loan of up to Rs 4 lakh from the state government as financial assistance for pursuing higher education. Notably, beneficiaries of the Bihar Student Credit Card Scheme are not required to pay any interest on the loan amount.

Bihar Student Credit Card Scheme 2024

Individuals in the state interested in applying for higher education through the Student Credit Card Scheme can easily apply online by visiting the official website of the scheme. The government has established the Education Finance Corporation to effectively implement the BSCC Scheme 2024 in the state. The introduction of the Bihar Student Credit Card Yojana 2024 aims to motivate students to pursue higher education, contributing to the effort to raise the state’s gross enrollment ratio from 14.3% to the national average of 24%. In this article, we will provide all the necessary information about the scheme, including the application process, eligibility criteria, required documents, and more.

Bihar Student Credit Card Scheme 2024

Bihar Student Credit Card Yojana Overview

Name Of The Scheme बिहार स्टूडेंट क्रेडिट कार्ड योजना 2024
Started by Chief Minister Nitish Kumar
Launch Date 2 October
Beneficiary state students
Objective Providing loans to students for higher education
Application Process Online
Category Govt. Scheme
Official Website https://www.7nishchay-yuvaupmission.bihar.gov.in/

Objective of Bihar Student Credit Card Scheme

Recognizing the financial challenges faced by many youths in the state who aspire for higher education, the government has introduced the Student Credit Card Scheme. This initiative aims to provide educational opportunities and guidance to students. Under this scheme, state students can avail themselves of a bank loan of up to Rs 4 lakh to pursue higher education after completing the 12th grade. The BSCC Scheme 2024 is open to both boys and girls, offering them a chance for personal growth. Through this program, students receive financial assistance through the banking system, enabling them to overcome financial barriers and pursue higher education. The ultimate goal is not only to support students in their academic endeavors but also to enhance their employability prospects.

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Benefits of Bihar Student Credit Card Scheme

  • The Bihar Student Credit Card Scheme 2024 supports individuals who have completed their Intermediate/12th class from government-recognized institutions in Bihar and aspire to pursue higher education like Graduation, BA, BSc, etc.
  • The government offers financial assistance in the form of a loan of up to Rs 4 lakh.
  • Notably, under this scheme, students won’t incur any interest on the loan.
  • It is designed to aid students from economically disadvantaged backgrounds who are keen to complete their higher education.
  • The loan covers educational institution fees and expenses related to food and study materials.
  • By providing relief from financial constraints, this initiative aims to enhance the students’ standard of living.
  • Interested individuals can apply online to avail the benefits of the Bihar Credit Card Scheme.
  • Through this program, the state government offers education loans up to Rs 4 lakh at a 0% interest rate to students who have completed their 10+2.

You can avail the benefits of Bihar Student Credit Card Scheme for 42 courses.

The Bihar Student Credit Card is a valuable initiative benefiting economically disadvantaged students in pursuing higher education. This government program offers financial assistance for various courses, including graduation, MBA, and more. The scheme covers expenses like laptops, coaching fees, hostels, and books.

To avail of these benefits, students need to apply online. Notably, the interest rates are set at 1% for girls and 4% for boys. Additionally, disabled students receive further interest rate relaxation. The scheme extends support for 42 different courses, encompassing disciplines such as BA, B.Sc., B.Com, MA, M.Sc., M.Com, MBA, etc.

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Student Credit Card Scheme Course List

  • BA, BSc, B Com
  • BCA, B.Sc IT, Computer Application, Computer Science
  • B.Sc Agriculture
  • B.Sc Library Science
  • B.Sc, BHMCT, B.Tech, Hotel Management
  • Diploma in Hotel Management
  • B.Tech, BE, B.Sc
  • B.Sc Nursing
  • Bachelor of Pharmacy
  • BVMS
  • BAMS
  • BUMS
  • BHMS
  • bds
  • gnm
  • Bachelor of Mass Communication
  • B.Sc in Fashion Technology
  • Bachelor of Architecture
  • B.P.Ed.
  • B.Ed
  • MSc, MTech
  • Bachelor of Physiotherapy
  • Bachelor of Occupational Therapy
  • Diploma in Food Processing, Food Production
  • Diploma in Food and Beverage Service
  • BA, BSc, B.Ed, Integrated Course
  • BBA
  • BFA
  • Diploma in Food, Nutrition, Dietetics
  • MBBS
  • BL, LLB
  • scholar
  • Shastri
  • B.Tech., BE, (Enrolled in Three Year Diploma in an Institution recognized by State Level Education Council)

Eligibility for Bihar Student Credit Card Yojana

To be eligible for the Student Credit Card Scheme 2024 in Bihar:

  • The applicant must be a permanent resident of Bihar.
  • The educational institution where the student is enrolled must be recognized by the relevant state or central government regulatory agency.
  • Loans will be provided under the scheme for higher education, including general courses, technical, or professional programs.
  • Students applying for the scheme should have successfully completed their 12th-grade education.

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Required Documents

  • Aadhaar card of the applicant
  • PAN card
  • 10th and 12th certificate and mark sheet
  • Certificate of admission to higher educational institution
  • 2 photographs each of the student, parents and guarantor
  • Address proof
  • family income certificate
  • Two photographs of the applicant and his co-applicant
  • bank account passbook
  • Six months’ statement of parents’ bank account
  • mobile number
  • Identity card of the applicant (Aadhar Card, Passport, Voter ID Card, Driving License etc.)

Bihar Student Credit Card Loan Approval

  • Government officials will verify all submitted applications through the educational institution within 15 days of receipt.
  • Once verified, beneficiary information will be sent to the bank, and the loan will be approved within an additional 15 days.
  • Applicants will be notified of loan approval or disapproval via SMS.
  • If approved, the applicant must visit the bank branch.

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How to Apply for Bihar Student Credit Card Yojana 2024?

To apply for the Student Credit Card, follow these simplified steps:

  • Visit the official websites of the Education Department, Planning and Development Department, and Labor Resources Department https://www.7nishchay-yuvaupmission.bihar.gov.in/.
  • Look for the “New Applicant Registration” option on the home page and click on it.
  • Fill in the registration form with your details, such as name, email ID, Aadhar card number, mobile number, and indicate whether the application is from Vasudha Kendra (select YES or NO).
  • Enter the OTP sent to your mobile and email.
  • After submitting the personal details, three options will appear. Choose the “Student Credit Card” option.
  • Complete the new application form with the required information.
  • Submit the form using the submit button.
  • Upon submission, you will receive a unique identification number on your mobile and email.
  • A PDF copy of the application form and details of required documents will be sent to your email.
  • Visit the counter with the application form and necessary documents on the specified day, as informed via mobile and email.
  • Complete the remaining process at the counter to finalize your application.

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In conclusion, the Bihar Student Credit Card Yojana 2024, with its application form, eligibility criteria, and course list, stands as a significant initiative in facilitating higher education for the state’s students. This scheme, designed to provide financial assistance, reflects the commitment of the government to uplift economically disadvantaged students. By simplifying the application process and expanding the course options, it aims to bridge educational gaps and contribute to the overall development of the student community in Bihar.


What is the Bihar Student Credit Card Yojana 2024?

It is a government initiative providing financial assistance for higher education to Bihar students through a credit card scheme.

How can I apply for the scheme?

You can apply by filling out the application form available on the official website of the scheme.

What are the eligibility criteria for the Bihar Student Credit Card Yojana 2024?

Eligibility criteria include being a resident of Bihar and having passed the 12th grade from recognized institutions.

What courses are covered under the scheme?

The scheme covers a wide range of courses, including graduation, BA, BSc, and more. The complete course list is available on the official website.

Can I apply for the Bihar Student Credit Card Yojana 2024 if I am not a Bihar resident?

No, the scheme is specifically for permanent residents of Bihar. Non-residents are not eligible for this program.

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