The state government of Bihar, with the Department of Education, has launched a new scheme known as the Bihar Student Credit Card Scheme 2025 to provide financial aid to students to complete their higher education. Under this scheme government provides loans at minimum interest rates to deserving students so that they can utilize them for financing courses like BSc, BA, B. Tech, or MBBS.
By introducing this schema government aims to target those students who are interested in pursuing higher education but are unable to do so because of a lack of financial resources coming in the continue their studies. If you are a resident or a student of Bihar who wishes to avail the benefits of the scheme by applying for it online so keep connected with this article till the end to know the complete details, including its eligibility, benefits, loan amount, and more.
About the Bihar Student Credit Card Scheme 2025
The “Bihar Student Credit Card” is an educational loan scheme launched by the Department of Education, Government of Bihar, for the students of the state. Under this scheme government helps students by providing educational loans at a minimum interest rate to students so that they are able to complete their education without any lack of financial resources and pursue their studies. Under this scheme government targets all students who are interested in pursuing higher studies but are unable to perform due to financial hurdles.
Through the help of this scheme, they can utilize these funds for financing courses like BSc, BA, BTech, or MBBS. Under this scheme government targets students less than 25 years and loans will be given for general Higher Education courses and various professional technical courses such as BA / BSc / engineering / MBBS/ Management, etc. It is mandatory for all students to pass their class 12th from the state of Bihar to receive an educational loan from the government under the scheme.
Key Highlights of Bihar Student Credit Card 2025
| Card Name | Bihar Student Credit Card 2025 |
| Department Responsible | Department of Education. |
| Designed by | Government of Bihar. |
| Year | 2025-26 |
| Purpose | To help students by providing educational loans at a minimum interest rate to students so that they can complete their education without any lack of financial resources and pursue their studies. |
| Loan Amount | Rs 4 lakh. |
| Payment Mode | Through DBT. |
| Loan Available | For polytechnic, technical, and general courses. |
| Scheme Type | Education Loan Scheme. |
| Qualification Criteria | 12th Passed Students. |
| Age Limit | Below 25 years. |
| Target Beneficiaries | Students of Bihar. |
| Application Mode | Online |
| Official Website | MNSSBY |
Purpose of the Student Credit Card
The main purpose of this credit card is to provide financial aid to students to complete their higher education. Under this scheme government provides loans at minimum interest rates to deserving students so that they can utilize them for financing courses like BSc, BA, B. Tech, or MBBS. It is mandatory for all students to pass their class 12th from the state of Bihar to receive an educational loan from the government under the scheme.
Eligibility Criteria
To be eligible for the credit card, applicant needs to clear the following eligibility criteria’s these are as follows:-
- Applicant must be a permanent resident of Bihar.
- Applicant must be a student of the state.
- Age of the applicant must not be more than 25 years of age at the time of application.
- Applicant must have passed their Class 12th examination.
- The applicant must get admission to a course in an authorized institute.
- Applicant must complete the entire course.
- Applicant must have enrolled in an educational institution recognized by the concerned regulatory agency of Bihar and other states or the central government.
- The loan can be given for general Higher Education courses and various professional/technical courses like BA / BSc / engineering / MBBS / management/law, etc.
- Note: 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.
- In case of dropout by the beneficiaries for whatever reason, the balance amount of the loan from the time of top-out will not be made available to the institution or the student.
Benefits of the Bihar Student Credit Card
- Loan Amount:- Under this scheme government provides a maximum loan amount of up to Rs 4 lakh to the eligible students of the state
- Concerned Department:- The Department of Education has launched the Bihar Student Credit Card scheme to provide financial aid to students so that they can complete their higher education without any financial trouble.
- Allow Students to Complete Education:- The main aim of this scheme is to allow students to complete their higher education by providing educational loans to them.
- Loan Available:- In this scheme loan can be availed for polytechnic, technical, and general courses.
Required Documents
- Aadhar Card
- Resident Proof
- Marksheet of Class 10th and 12th
- Birth Certificate
- PAN Card
- Income Certificate
- Bank Details
- Passport-Sized Photograph
- Mobile Number
Salient Features
- Assistance Utilized:- Under the assistance, it may be utilized for purchasing books, laptops, or paying for any kind of fees regarding the course.
- Flexible Recovery Procedures:- The recovery procedures are flexible since the loan is government-owned
- Repayment Options:- Under this, repayment of the loan starts once the course has been completed successfully and the student has secured a job.
- Priority Support:- Under this scheme, the interest rate of the loan is 1% available for Divyang transgender and girl students.
How to Register for the Bihar Student Credit Card Online 2025?
To register online for the Bihar Student Credit Card Scheme 2025, the applicant needs to follow these steps:-
- First of all, the applicant needs to visit the official MNSSBY website.
- The homepage of the official website will appear on the screen
- After that applicant needs to scroll down and click on the ‘New Applicant Registration’ option
- As the applicant clicks, a registration form will appear on the screen.
- Now the applicant needs to fill out all the details asked, such as First Name, Middle Name, Last Name, E-mail ID, Aadhar Number, and Mobile Number in the form.
- After that, click on the Send OTP button.
- As the applicant clicks, a one-time password will be received on the registered mobile or Email ID
- Enter the OTP in the given box.
- Quickly review all the details carefully.
- At last, click on the Submit option to complete the process.
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Login for BSCC Scheme
- Visit the official website to log in officially.
- Once the homepage of the official website opens on the screen.
- Now, click on the Login Here
- A new login page will open on your desktop screen.
- Now, the applicant needs to enter their registered username and password, along with the captcha code shown in the box.
- Once, quickly review all the details carefully.
- At last, click on the Login option to complete their login process.
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Check Application Status
To check application status online, follow these steps:-
- Visit the official website.
- Once the applicant reaches the homepage of the official website, they need to locate and click on the option called “Application Status“.
- As the applicant clicks, a status dashboard will be displayed on the applicant’s desktop screen.
- Now the applicant needs to first select the option of which they wish to search by Registration ID or Aadhar card Number.
- Enter the DOB along with the captcha code in the space.
- At last, click on the Submit option to check the status.
Helpline Number
- Toll-free No:- 1800 3456 444
Important Downloads
FAQs
Who has launched this Student Credit Card Scheme, and who is eligible for the scheme?
- The Government of Bihar has launched this scheme for the students of Bihar.
What are the benefits of this scheme?
- Under this scheme, selected beneficiaries receive educational loans of up to Rs. 4 lakh.
How can I get the benefits of this scheme online?
- To get the benefits of this scheme, you need to apply online through the official portal.