Bihar government scheme · Education Department, Government of Bihar (loans through the Bihar State Education Finance Corporation); applications via the Planning and Development Department's 7 Nishchay portal
Bihar Student Credit Card Yojana
Also called BSCC
The Bihar Student Credit Card Yojana is run by the Education Department of the Government of Bihar, with loans through the Bihar State Education Finance Corporation and applications via the Planning and Development Department's 7 Nishchay portal. It is for students of Bihar who have passed Class 12 and want to pursue higher education at a college on the scheme's approved list. Beneficiaries receive education loans of up to ₹4 lakh. The state has announced that the loan would be interest-free for all applicants, along with longer repayment periods of up to 84 monthly instalments for loans up to ₹2 lakh and up to 120 for larger loans. To apply, register on the 7 Nishchay portal, choose an approved course, and fill in the loan application.
Written by AI from the official details below.
Who can apply for BSCC
- Students of Bihar who have passed Class 12 and want to pursue higher education.
- The course must be at a college on the scheme's approved list (published on the portal).
BSCC benefits
- Education loan of up to ₹4 lakh through the Bihar State Education Finance Corporation.
- In September 2025 the state announced the loan would be interest-free for all applicants (earlier 4%, or 1% for women, disabled and transgender applicants).
- Longer repayment announced at the same time: up to 84 monthly instalments for loans up to ₹2 lakh, up to 120 for larger loans.
How to apply for BSCC
- Register on the 7 Nishchay portal (application for MNSSBY/BSCC/KYP) at 7nishchay-yuvaupmission.bihar.gov.in.
- Choose a course at a college on the approved BSCC list and fill in the loan application.
- Track the application status on the same portal.
Where it applies
Checked
Checked against the sources below on 16 October 2026. Rules change, so confirm on the official site before you apply.
- 7 Nishchay portal - Bihar Student Credit Card Yojana (read via Wayback Machine capture of 7 November 2025) · Planning and Development Department, Government of Bihar
- Interest-free education loans for those passing Class 12 (16 September 2025) · Deccan Chronicle
- Bihar Cabinet extends Student Credit Card scheme for five years (2 September 2026) · UNI
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