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

The Government of Bihar has introduced a financial assistance scheme aimed at supporting students from economically weaker sections who wish to pursue higher education. Under this initiative, eligible students can avail education loans up to ₹4 lakh through the Student Credit Card Scheme (SCCS).

Launched as part of Bihar’s “Mukhyamantri Nishchay Yojana”, this scheme enables students who have passed Class 12 to obtain easy and low-interest loans for pursuing technical, professional, or general degree courses. The objective is to ensure that no deserving student is deprived of higher education due to financial constraints.

Bihar ₹4 Lakh Student Loan Scheme – Full Details in English

The Bihar Student Credit Card Scheme (BSCCS) is a flagship program launched by the Government of Bihar to provide financial assistance to students who wish to pursue higher education but lack sufficient funds. The scheme allows eligible students to avail an education loan of up to ₹4 lakh at a very low interest rate with easy repayment options.

This scheme is part of the “Seven Resolves” (Saat Nishchay) of the Bihar government to promote education, skill development, and youth empowerment.

 Scheme Overview

Objectives of the Scheme 

• To ensure that no student from Bihar is deprived of higher education due to financial problems.

• To increase the Gross Enrollment Ratio (GER) in higher education.

• To empower youth through education and skill-building.

✅ Eligibility Criteria

1. Resident: Applicant must be a permanent resident of Bihar.

2. Age Limit: Between 18 to 25 years (relaxable in some cases).

3. Education Qualification: Must have passed 10+2 (Intermediate) or equivalent.

4. Admission Proof: Must have confirmed admission to a recognized institution in India.

5. Courses Covered: Regular courses in Graduation, Engineering, Medical, Law, BCA, BBA, Polytechnic, ITI, MBA, MCA, etc.

6. Family Income: No specific income limit, but preference is given to economically weaker sections.

 Documents Required

• Aadhar Card

• Residence Certificate (Domicile)

• Class 10 & 12 Mark Sheets

• Admission Letter from Institution

• Bank Passbook Copy

• Passport-size Photographs

• PAN Card (if available)

• 4Income Certificate (recommended)

• Mobile number linked with Aadhaar

 How to Apply

You can apply online through the official website:
🔗 https://www.7nishchay-yuvaupmission.bihar.gov.in

Step-by-Step Process:

1. Visit the official portal.

2. Click on “New Applicant Registration”.

3. Fill in personal details, mobile number, and email to generate login credentials.

4. Log in and complete the application form.

5. Upload all necessary documents.

6. Submit the form and download the acknowledgment.

After online submission, the student will be called to visit the District Registration and Counseling Center (DRCC) for physical document verification and further processing.

💸 Loan Coverage

The ₹4 lakh loan amount can be used for:

• Tuition Fees

• Books and Study Materials

• Hostel or Accommodation Charges

• Equipment and Instruments

• Exam and Admission Fees

• Other educational expenses

🔄 Loan Repayment

• Moratorium Period: Course duration + 1 year OR 6 months after getting a job

• Repayment Tenure: Up to 15 years

• EMI Options: Easy and flexible monthly installments

• Special Incentives: If the student repays on time, no penalty or additional interest is charged

📞 Helpline & Support

• Toll-Free Number: 1800-3456-444

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

• DRCC Centers: Located in every district of Bihar to assist with application and queries