10th pass lon bihar

The Government of Bihar, under its flagship initiative called the Student Credit Card Scheme (BSCCS), provides education loans of up to ₹4 lakh to eligible students. While the scheme mainly targets 12th pass students, it is also available for 10th pass students who wish to pursue ITI, polytechnic, or other technical diploma courses.

This scheme falls under the broader umbrella of Mukhyamantri Nishchay Yojana, which aims to ensure that no student is deprived of higher education or skill training due to financial difficulties.

📌 Key Highlights

✅ Who is Eligible?

To apply for the loan after 10th, the student must:

• Be a permanent resident of Bihar

• Have passed Class 10 (Matriculation)

• Be admitted to an approved diploma/technical/vocational course like:

  • ITI (Industrial Training Institute)

  • Polytechnic (Diploma in Engineering)

  • Vocational diploma or skill courses

• Be aged between 18 to 25 years (relaxation may apply)

• Be studying in a recognized institute in Bihar or any other state of India

🎓 Courses Covered (After 10th)

• ITI (All trades recognized by NCVT/SCVT)

• Polytechnic Diploma (Mechanical, Civil, Electrical, etc.)

• Skill development or vocational training (NSQF aligned courses)

• Any 3-year diploma course that accepts 10th pass students

Note: General Degree Courses (like B.A., B.Sc., B.Com) require 12th pass qualification and are not covered for 10th pass students.

🧾 Documents Required

1. Aadhaar Card

2. Class 10 Mark Sheet

3. Domicile (Residence) Certificate of Bihar

4. Recent Passport-Size Photograph

5. Admission Letter from the Institute

6. Bank Account Passbook (student or parent)

7. Income Certificate (if available)

8. Mobile number and email ID (active)

9. PAN Card (if available)

💻 How to Apply Online

1. Go to the official portal:
   🔗 https://www.7nishchay-yuvaupmission.bihar.gov.in

2. Click on “New Applicant Registration”

3. Register using your name, mobile number, and email

4. Fill in your personal details, course, and institute information

5. Upload scanned documents (photo, marksheet, ID proof, etc.)

6. Submit the application and download the acknowledgment slip

7. Visit the DRCC (District Registration and Counseling Center) with your documents when called

💰 What Expenses Are Covered?

The ₹4 lakh loan can be used for:

• Tuition Fees

• Hostel / Accommodation Charges

• Examination Fees

• Books, Uniforms, Equipment

• Training or Workshop Fees

• Travel or Maintenance Expenses

🔁 Repayment Process

• Grace Period: Course duration + 1 year

• Repayment Tenure: Up to 15 years

• EMI System: Starts only after course or job placement

• No Penalty for early repayment

• Subsidized Interest: 0% for girls, transgender, and differently-abled students

📞 Contact & Helpdesk

• Toll-Free Number: 1800-3456-444

• Email Support: helpdesk.bscc@bihar.gov.in

• DRCC Centers: Located in every district of Bihar

✅ Key Benefits for 10th Pass Students

• Encourages early skill development

• Helps students from poor backgrounds to complete job-oriented diploma courses

• No need for property or guarantor

• Interest-free for special categories

• Backed by the Government of Bihar