Admissions Open · 2026–27

Bihar Student Credit Card Scheme

₹4 Lakh
Max Loan Amount
42+
Eligible Courses
1%
Interest Rate*
60 Days
Processing Time
+91 88680 51094
42+ Eligible Courses
B.A.B.ComM.A.M.Com
Free Counselling · Government Scheme

Apply for ₹4 Lakh Education Loan — Zero Collateral Fees

Fill the form — our expert will call within 2 hours.

Bihar Resident 12th Pass Any UG/PG No Collateral
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Bihar Student Credit Card Scheme Zero Collateral Loan Up to ₹4 Lakh NAAC A Accredited UG & PG Courses Fast Processing Expert Counselling Bihar Student Credit Card Scheme Zero Collateral Loan Up to ₹4 Lakh NAAC A Accredited UG & PG Courses Fast Processing Expert Counselling

What is Bihar Student Credit Card Scheme?

The Bihar Student Credit Card Scheme (BSCC) is a flagship initiative by the Department of Education, Government of Bihar, aimed at making higher education accessible to all students, especially those from financially weaker backgrounds. This scheme provides education loans of up to ₹4 lakh at minimal interest rates, enabling students to pursue undergraduate and professional courses such as B.A, B.Sc, B.Tech, MBBS, and more without worrying about financial constraints. It is a part of the Bihar government's broader mission to promote education, skill development, and youth empowerment.

Under the BSCC scheme, students can use the loan amount to cover essential academic expenses including tuition fees, books, accommodation, and other study-related costs. The repayment terms are student-friendly, ensuring that candidates can focus on their education first and repay the loan after completing their studies. The scheme is particularly beneficial for those who have the potential to succeed but lack the financial support to continue their education.

By bridging the gap between ambition and affordability, the Bihar Student Credit Card Scheme plays a crucial role in increasing enrollment in higher education and improving career opportunities for students across Bihar.

Scheme Type
Education Loan
Max Loan Amount
₹4 Lakh
Processing Time
~60 Days

💳
Up to ₹4 Lakh Loan
Maximum loan with zero collateral directly from the Government of Bihar.
📚
Wide Course Coverage
Loan for polytechnic, technical and general courses across 42+ disciplines.
💻
Books & Laptop Covered
Funds can be used for books, laptops or paying any kind of fees.
💼
Repay After Job
Repayment starts only after the course is completed and job is secured.
📉
Minimal Interest Rate
1% interest for Divyang, transgender, and girl students.
🏛️
Government Backed
Flexible recovery procedures since the loan is government-owned.

All Courses Covered Under BSCC

The scheme covers a wide range of UG & PG programs. Check if your desired course is eligible.

B.A.B.ComM.A.M.Com
Showing 4 courses in Arts & Commerce · 56 total eligible courses

Colleges Under Bihar Student Credit Card Scheme in Uttarakhand

The table below lists colleges approved under BSCC in the state of Uttarakhand.

#College NameStateDistrictInstitute Type
01Graphic Era UniversityUttarakhandDehradunPrivate
02Hemwati Nandan Bahuguna Garhwal UniversityUttarakhandPauri GharwalGovernment
03Kumaun UniversityUttarakhandNainitalGovernment
04Indian Institute of Technology RoorkeeUttarakhandHaridwarGovernment
05University of Petroleum and Energy StudiesUttarakhandDehradunGovernment
06Indian Institute of Management KashipurUttarakhandUdham Singh NagarGovernment
07National Institute of TechnologyUttarakhandPauri GarhwalGovernment
08Nanhipari Seemant Engineering InstituteUttarakhandPithoragarhGovernment
09Gurukula Kangri Vishwavidyalaya, HaridwarUttarakhandHaridwarGovernment
10Bipin Tripathi Kumaon Institute of TechnologyUttarakhandAlmoraGovernment
11Faculty of Engineering & Technology, Gurukul Kangri VishvavidyalayaUttarakhandHaridwarGovernment
12G.B. Pant Institute of Engineering & TechnologyUttarakhandPauri GarhwalGovernment
13Govind Ballabh Pant University of Agriculture & Technology, PantnagarUttarakhandUdham Singh NagarGovernment
14DIT UniversityUttarakhandDehradunPrivate
15Central Institute of Petrochemical Engineering & Technology (CIPET)UttarakhandDehradunGovernment
16Institute of Hotel Management Catering Technology & Applied NutritionUttarakhandDehradunGovernment
17Uttaranchal UniversityUttarakhandDehradunPrivate
18All India Institute of Medical Science (AIIMS)UttarakhandDehradunGovernment
19Tulas InstituteUttarakhandDehradunPrivate
Note: Under the Bihar Student Credit Card Scheme (BSCC), students can apply for education loans to study in recognized colleges across Uttarakhand. Eligibility depends on approval from regulatory bodies like UGC, AICTE, or MCI, ensuring that both government and private institutions listed above qualify for funding.

Who Can Apply?

Check if you meet the criteria for the Bihar Student Credit Card Scheme.

Must be a permanent resident of Bihar state.
Must have passed Class 12th from a recognised board.
Must secure admission in an authorized institute.
Applicant should be at least 25 years of age.

How to Apply Online

Follow these simple steps on the official government portal.

01
Register Online
Visit the official portal and click "New Applicant Registration". Fill name, email, Aadhaar & OTP.
02
Fill BSCC Form
Login, navigate to Personal Information Page, select BSCC from the dropdown and submit the form.
03
DRCC Appointment
The District Registration & Counseling Center schedules an appointment via email and SMS.
04
Document Verification
Visit DRCC with self-attested documents for verification by Multi-Purpose Assistant (MPA).
05
Loan Sanction & Card
After bank sanction, collect your Student Credit Card at the DRCC.

Frequently Asked Questions

Everything you need to know about the Bihar Student Credit Card Scheme.

A Government of Bihar initiative providing financial aid up to ₹4 lakh at minimal interest rates for higher education in courses like B.Sc, B.A, B.Tech, or MBBS.
Bihar residents who have passed Class 12th, are at least 25 years old, and have secured admission in an authorized institute.
No. The scheme is exclusively for permanent residents of Bihar state.
Aadhaar card, Class 12th mark sheet, admission letter, Bihar domicile certificate, bank account details, passport-size photographs, and income certificate (if applicable).
Repayment starts only after you complete the course and secure a job — no pressure during study years.

Dehradun's Only BSCC-Authorised College Group

Study now, pay later — Get a chance to learn at an officially registered institution under the Bihar Student Credit Card Scheme. Seats are limited