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.

📅 Repayment Schedule

  • Repayment starts after course completion.

  • Grace period may be allowed.

  • Flexible EMI repayment after employment or income generation.