12th Pass lon Bihar

Bihar 12th Pass Student Loan 

The Bihar Student Credit Card Scheme (BSCCS) is a student-friendly loan scheme launched by the Government of Bihar under the “Mukhyamantri Nishchay Yojana”. It provides an education loan of up to ₹4 lakh to students who have passed Class 12 (Intermediate) and wish to pursue higher education.

This scheme enables students from poor and middle-class families to pursue professional, technical, and general degree courses without financial barriers. It also aims to improve youth employability and increase access to college-level education in the state.

📌 Key Features at a Glance

🎯 Objective of the Scheme

• To ensure financial access to higher education for all.

• To promote enrollment in professional and technical courses.

• To reduce dropout rates after Class 12.

• To support the youth in becoming self-reliant and employable.

✅ Eligibility Criteria

To apply under this scheme, the student must:

1. Be a permanent resident of Bihar.

2. Have passed Class 12 or equivalent (from Bihar Board or any recognized board).

3. Be aged between 18 and 25 years (age relaxation available in some cases).

4. Have secured admission in a recognized college/institute for higher studies.

5. Be enrolled in an approved course (see list below).

🎓 Courses Covered

The scheme supports a wide range of general, technical, and professional courses, including:

• Bachelor’s Degrees: B.A., B.Sc., B.Com

• Engineering: B.Tech, B.E.

• Medical & Health: MBBS, BDS, BAMS, Nursing, Paramedical

• Law: LL.B

• Computer Applications: BCA, MCA

• Management: BBA, MBA

• Vocational/Professional Courses: Hotel Management, Fashion Designing, etc.

• Diploma Courses (Post 12th): Polytechnic, Pharmacy, etc.

Note: Courses must be recognized by UGC/AICTE/State Government/other approved bodies.

🧾 Required Documents

• Aadhar Card

• Class 10 & 12 Mark Sheets

• Domicile (Residence) Certificate of Bihar

• Admission Letter from College/University

• Bank Account Passbook (Student or Parent)

• Income Certificate (recommended)

• Recent Passport Size Photo

• Email ID and Mobile Number

• PAN Card (if available)

💻 How to Apply Online

Follow these steps:

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

2. Click on “New Applicant Registration”

3. Fill out your basic details, mobile number, and email to generate login credentials.

4. Login and fill the complete form with course, institution, and personal details.

5. Upload required scanned documents.

6. Submit the application and download acknowledgment.

7. Visit the DRCC (District Registration and Counseling Center) in your district when called for document verification and counseling.

💰 Loan Coverage

The loan amount can be used for:

• College/University Tuition Fees

• Hostel/Accommodation Charges

• Books and Study Materials

• Equipment, Lab Fees, Uniforms

• Travel, Examination, and Miscellaneous Expenses

🔁 Repayment Terms

• Grace Period: Course duration + 1 year or 6 months after employment

• EMIs: Easy monthly installments

• Loan Tenure: Up to 15 years

• Subsidy: 100% interest subsidy for girls, transgender, and differently-abled students

• No penalty for early repayment

📞 Contact & Support

• Toll-Free Number: 1800-3456-44

• Email: helpdesk.bscc@bihar.gov.in

• DRCC Centers: Available in all districts for physical verification and counseling

✨ Key Benefits

• Financial freedom to choose any career path after Class 12

• Encourages higher education for girls and underprivileged students

• Zero collateral or guarantor required

• Government is the guarantor

• Full digital process with district-level support centers