Bihar Student Credit Card (BSCC)

(Government Education Loan Scheme for Students of Bihar)

All About Student Credit Card Scheme

The Bihar Student Credit Card Scheme (BSCC) is an education loan scheme launched by the Government of Bihar under the 7 Nischay Yuva Mission.

It is a loan scheme (not scholarship) designed to support students who want to pursue higher or technical education but face financial difficulty.

Key Features:

  • Maximum Loan: Up to ₹4,00,000 (For ITI Students it is Up to ₹2,00,000)

  • Government-backed education loan

  • Covers tuition fees and related academic expenses

  • Living Expenses along with Book and Stationary expenses.

  • Repayment starts after completion of course

  • Simple and transparent online application process

  • Verification through DRCC (District Registration & Counselling Centre)

BSCC helps students continue their studies without financial burden on parents.

BSCC Loan Details for ITI Students

ITI students enrolled in NCVT Affiliated Institutes are eligible under the scheme.

💰 What Expenses Are Covered?

Under BSCC, the loan amount can be used for:

✔ College / ITI Course Fee
➡ Fee amount is directly transferred to the college.

✔ Books & Stationery
✔ Living Expenses (Hostel / Rent / Food)
➡ Living expenses are transferred to the student's bank account.

💵 Loan Amount

  • Maximum limit: ₹2,00,000

  • Loan amount depends on actual fee structure and approved expenses.

📉 Interest Details

As per recent state policy update, BSCC loan is Interest-Free Scheme (subject to government rules).
Students repay only the principal amount.

Education Loan Scheme – Not a Scholarship

The Bihar Student Credit Card (BSCC) is a Government of Bihar–backed education loan scheme, designed to support students in pursuing technical and professional education, including ITI courses at Indus Pvt. Industrial Training Institute.

⚠️ Important Clarification:
BSCC is a LOAN, not a scholarship or grant.
The loan amount must be repaid by the student after completion of the course as per government-approved repayment norms.

Repayment After Completion of Studies

After completing the ITI course from Indus Pvt. ITI:

  • The student is required to repay the loan amount

  • Repayment is done in easy and affordable monthly installments (EMIs)

  • A moratorium period is generally provided (course duration + additional grace period)

  • Repayment usually starts after course completion or employment, as per scheme rules.

BSCC for ITI Students at Indus Pvt. ITI

Students enrolled in NCVT-affiliated ITI trades at Indus Pvt. ITI are eligible for BSCC, subject to government norms, including.

Our institute provides guidance and support to eligible students for understanding the BSCC process and documentation.