Bihar Student Credit Card Scheme
✨ Key Features of BSCC Scheme
🏦
Up to ₹4 Lakh Loan
Tuition, hostel, books, laptop, exam fees & more.
🔓
No Collateral Required
No security or guarantor – parent as co-applicant.
⏳
Flexible Repayment
Moratorium + up to 15 years repayment.
📚
All Courses Covered
Engineering, Medical, Nursing, ITI, Graduation, PG, etc.
📱
Simple Online Process
Minimal documentation & digital tracking.
✅ Eligibility Criteria
- ✓ Permanent resident of Bihar
- ✓ Passed Class 12 or equivalent exam
- ✓ Age 18–25 years (generally)
- ✓ Admission in recognized institution in India
- ✓ Course approved under BSCC scheme
- ✓ Valid Aadhaar & bank account
- ✓ Parent/guardian as co-applicant
📋 Application Process
- 1 Online Registration on official portal
- 2 Fill application form with details
- 3 Upload required documents
- 4 Submit & get reference number
- 5 DRCC document verification
- 6 Loan approval & disbursement
📄 Documents Required
📌 Mandatory Documents
- 📄 Aadhaar Card (Student)
- 📄 Recent Passport Size Photograph
- 📄 Applicant Signature
- 📄 Class 10 Marksheet / Certificate
- 📄 Class 12 Marksheet / Certificate
- 📄 Admission Letter / College confirmation
- 📄 Course Fee Structure from Institution
📎 Additional Documents
- 📄 Bihar Residence / Domicile Certificate
- 📄 Income Certificate (Parent/Guardian)
- 📄 Student's Bank Account Details
- 📄 Aadhaar Card of Parent/Guardian
- 📄 Mobile Number linked with Aadhaar
- 📄 PAN Card (if available)
❓ Frequently Asked Questions
💰 What expenses are covered under BSCC loan?
Tuition fees, hostel charges, books, laptop, exam fees, and other educational costs – up to ₹4 lakh.
🔒 Is collateral or guarantor required?
No collateral or third-party guarantor. Parent/guardian acts as co-applicant.
🎓 Which courses are eligible?
Engineering, medical, management, law, nursing, pharmacy, paramedical, ITI, polytechnic, graduation, post-graduation.
⏱️ How long does loan approval take?
Typically 30–45 days after document verification at DRCC.
📢 Ready to apply for BSCC Loan?
Get expert guidance and assistance with your application process.
📞 BSCC Helpline: +91 8595357953
🤖 Bihar Student Credit Card Assistant – Ask about eligibility, documents, loan amount or process.