Student Credit Card 2026: Status Check, Eligibility & Apply Online

Bihar Student Credit Card Scheme (बिहार स्टूडेंट क्रेडिट कार्ड योजना) — Education loan up to ₹4 lakh, now interest-free · Bihar students after Class 12, up to age 25 (30 for PG)

Ongoing

Education loan up to ₹4 lakh, now interest-free — Bihar students after Class 12, up to age 25 (30 for PG)

LATEST · 17 Oct 2025Nodal officer letter No. 355: revised application form and guidelines put on the MNSSBY portal following resolution 3239 (04.10.2025). 7nishchay-yuvaupmission.bihar.gov.in ↗

Check status on 7nishchay-yuvaupmission.bihar.gov.in ↗

Source: 7nishchay-yuvaupmission.bihar.gov.in · checked 21 Oct 2026

Student Credit Card quick answers

What you getEducation loan up to ₹4 lakh, now interest-free7nishchay-yuvaupmission.bihar.gov.in Who can get itBihar students after Class 12, up to age 25 (30 for PG)See eligibility Status check7nishchay-yuvaupmission.bihar.gov.inOn the official portal How to applySee the steps Official website7nishchay-yuvaupmission.bihar.gov.inBihar government

Benefit

Education loan of up to ₹4 lakh for higher education (general, technical and professional courses).
Interest-free for all borrowers (revised resolution No. 3239 dated 4 Oct 2025).
Repayment after the moratorium in up to 84 monthly instalments (loans up to ₹2 lakh) or 120 instalments (larger loans).

Source: 7nishchay-yuvaupmission.bihar.gov.in ↗ · 21 Oct 2026

Student Credit Card official links

Official website7nishchay-yuvaupmission.bihar.gov.in ↗

Beneficiary / application status7nishchay-yuvaupmission.bihar.gov.in ↗

Scheme page on myScheme (Govt of India)myscheme.gov.in ↗

Guidelines7nishchay-yuvaupmission.bihar.gov.in ↗

Process Flow7nishchay-yuvaupmission.bihar.gov.in ↗

FAQ7nishchay-yuvaupmission.bihar.gov.in ↗

Latest official updates

Nodal officer letter No. 355: revised application form and guidelines put on the MNSSBY portal following resolution 3239 (04.10.2025).17 Oct 20257nishchay-yuvaupmission.bihar.gov.in ↗
Loan made interest-free for all; borrowers already repaying must pay back only the remaining principal (interest-free). Repayment period extended to 84/120 months.4 Oct 20257nishchay-yuvaupmission.bihar.gov.in ↗

Am I eligible for Student Credit Card?

Who can apply

Tick each line that is true for you.

The applicant must be a resident of Bihar and must not be more than 25 years of age on the date of application. For postgraduate-level courses where the minimum educational qualification is graduation, the maximum age limit is 30 years. The applicant must have been admitted or selected for admission to a higher education institution recognized by the competent regulatory authority of Bihar, another State, or the Central Government. The applicant may avail the scheme for general higher education courses as well as various professional and technical courses. The list of eligible courses is provided in Annexure-3 and may be amended from time to time by the Education Department, including the addition or deletion of courses. If the applicant is staying in the hostel of the educational institution, the applicable amount must be made available to the applicant's educational institution. If the applicant is not staying in the hostel of the educational institution, the applicant must be provided living expenses, other than fees, at the prescribed rates specified in Annexure-2, based on the city classification given in Annexure-1. The Education Department may increase the accommodation and living expense rates as required based on inflation. The applicant must have passed Class 12th or an equivalent examination from an institution recognized by the Government of Bihar. For Polytechnic courses, the applicant must have passed Class 10th. The applicant must also be a permanent resident of Bihar if they have passed Class 10th/12th/+2 (Class 10th for Polytechnic courses) from a school or board located in the bordering districts of Bihar in Jharkhand, Uttar Pradesh, or West Bengal. The applicant must not avail the scheme for the same level of course for which they already hold a degree. This condition does not apply to technical or management courses. For example, an applicant holding a Bachelor’s degree in Science must not avail the scheme for pursuing another undergraduate degree in Arts, Science, or Commerce. However, the applicant may avail the scheme for pursuing courses such as M.B.A., M.C.A., etc., after completing graduation in Arts, Science, or Commerce. If the applicant discontinues their studies midway for any reason, the remaining loan amount must not be made available by the financial institution or the institution. The remaining instalments of the education loan must be made available under the scheme only if the applicant continues studying in the concerned institution/course.

Source: myscheme.gov.in ↗ · 21 Oct 2026

How to apply

Steps

Visit https://www.7nishchay-yuvaupmission.bihar.gov.in/ website.
Click the ‘New Applicant Registration’ button.
Fill the details, such as name, email ID, mobile number, Aadhaar number, and OTP and click the ‘Submit’ button.
A successful registration message will be displayed, and the applicants will receive the username and password by email and SMS.
Visit the https://www.7nishchay-yuvaupmission.bihar.gov.in/ website and log in using the username and password.
Fill the details on the ‘Personal Information Page’ and click the ‘Submit’ button.
Selects the ‘BSCC’ option from the drop-down list and click the ‘Apply’ button.
Fill in the details on the BSCC form and submit it. A confirmation message and the acknowledgement number will be displayed.

Documents

Filled common application form
Aadhar card
Pan card
Xth and XIIth mark sheet and certificate
Copies of the letter conferring scholarship (If available)
Approved course structure
Proof of admission
Fee schedule
Photographs
Previous year’s income certificate

Source: myscheme.gov.in ↗ · 21 Oct 2026

Student Credit Card: questions people ask

What is Student Credit Card Scheme ?

Bihar govt. had decided to set up an Education Finance Corporation for loan disbursement to students under BSCC Scheme.

Who may get the scheme benefits ?

Students of Bihar State can get the scheme benefits.

Who may apply for BSCC scheme ?

1. Students should be residents of Bihar. 2. Students should be passed the 12th class from the state of Bihar. 3. It is mandatory that the students have taken enrollment in an educational institution recognized by the concerned regulatory agency of Bihar and other state or central government. 4. This loan can be given for general higher education courses and various professional/technical courses like- BA / B.Sc / Engineering / MBBS / Management / Law etc. 5. The applicant's age should not be more than 25 years on the date of applying for the loan to be benefited under this scheme. 6. If the applicant has a degree of one level, then the same level of degree will not be covered under this scheme. This provision will not apply to technical or managerial courses. 7. In case of dropout by the beneficiaries for whatever reason, the balance amount of the loan from the time of dropout will not be made available to the institution or the student.

How to apply for the scheme ?

1. Applicants may register their self. 2. After authentication through OTP, Applicants may fill the application form. 3. And Submit.

What is the URL to apply online ?

Click on the following link. URL : https://www.7nishchay-yuvaupmission.bihar.gov.in/addFtrUserPage

Source: myscheme.gov.in ↗

What changed on this page

17 Oct 2025 · Nodal officer letter No. 355: revised application form and guidelines put on the MNSSBY portal following resolution 3239 (04.10.2025).

4 Oct 2025 · Loan made interest-free for all; borrowers already repaying must pay back only the remaining principal (interest-free). Repayment period extended to 84/120 months.

21 Oct 2026 · Facts checked against the official sources on 21 Oct 2026.

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