Bihar Student Credit Card 2022: Bihar government has started the loan facility for such candidates of Bihar who wanted to pursue their higher studies once they completed their intermediate but due to the financial problem they are not able to do that but after the announcement of the Bihar Student Credit Card 2022 scheme they can fulfill their dreams of higher studies because the Bihar government is providing an education loan to such students up to Rs 4 lakhs. So, the course you wanted to pursue and if it is enlisted in their list of approved courses then you can apply for Bihar Student Credit Card loan online and its complete procedure and other important details regarding the scheme are provided below.
बिहार सरकार द्वारा शुरू कि गयी यह योजना छात्रों के लिए बहुत लाभदायी है। इस योजना अन्तर्गत राज्य सरकार द्वारा उन बच्चो को ऋण प्रदान करता है जो अपने परिवार के खराब वित्तीय स्थिति के चलते बारहवीं कक्षा से आगे शिक्षा जारी नहीं रख सकते। सरकार द्वारा दी इस योजना को अच्छी तरह से समझने के लिए कृपया इस लेख को अंत तक जरूर पढ़िए।
Note: Students who had registered for the scheme successfully need to report at DRCC with all their documents.
Update: Check lists of Colleges available under the BSCCS
Bihar Student Credit Card 2022
The Bihar student credit card Yojana (BSCCY) is launched way back in October 2016 and till now a number of candidates had applied for the scheme and completed their higher studies. Through the scheme, you can apply for a loan to a maximum amount of Rs 4 lakhs.
The main motto to launch this scheme is to increase the Gross Enrollment ratio (GER) of the state which is currently at 14.3% and through this government is eyeing a target of 30% increment in this which makes it to the 24% and if they reached this is then they equal the GER of the nation.
Objective of the Scheme
Before proceeding towards the objective behind the Bihar Student Credit Card loan scheme, let us very first understand the Gross Enrolment Ration (GER). The GER is the criteria to measure the number of students who have appeared for a particular course. Basically, if the number of students pursuing the higher-level course after 12th increases, the GER will also increase. The current status of the GER in the state is about 14 percent which is very low. The national GER is 24%. Thus, the objective of the schemes not only aims to raise the GER of the state but also to provide the importance of education to the youngsters.
Target of the Scheme
Initially, when the scheme can into effect the strength of the students that have to be covered under the scheme for the year 2018-19 was 50,000, for 2019-20 it was 75,000, and for the year 2020-21, it aims to cover around 1 lakh students. The estimates for the further years will be uploaded on the website soon.
Interest on the Bihar Student Credit Card loan
- In this scheme, if students completed his/her course then they will get the moratorium of one year or if they employed then it will be 6 months whichever completes first.
- The rate of interest under the scheme will be 4% whereas if the applicant is women, transgender, or disabled then they need to pay only 1%.
Eligibility for Bihar student credit card scheme
The candidates who are willing to have a student credit card scheme can read the important eligibility criteria mentioned below. An applicant who satisfies the given eligibility can apply for the scheme.
- Students who had completed their intermediate from the Bihar state or the nearby states are eligible for the loan scheme but only if they fulfill the criteria of eligibility which we have given below:
- Students enrolled or going to be enrolled in the institution must be recognized from the state or central government.
- This loan will be given for general courses of higher education, various professional and technical courses. The list of courses will be available on the website which could be changed from time to time by the department according to the demand.
- Those candidates who had completed their intermediate or equivalent Examination (polytechnic after 10th) and candidates (permanent resident of Bihar) who had completed the same from the nearby state such as West Bengal, Jharkhand, or Bihar are also eligible for the scheme.
- In case students staying in the hostel then the amount will be made available to the educational institution of the applicants.
- But in case they did not stay in the hostel then city details for living expenses other than fees for students will be made available which could be increased as per the requirement by the department.
- The age of the students on the date of applying should not be more than 25 years while for the postgraduate courses it will be 30 years.
- If any of the candidates have one level of a degree then the same level of degree will not be covered under this scheme except technical or managerial courses. For example, if you have completed your graduation in science then you are not entitled to the same level of graduation such as Arts, science, and commerce. Whereas, if he wants to pursue an MBA, MCA, etc. then he is entitled to the loan.
- If any of the students who are getting the benefit of the Bihar Student Credit Card scheme but due to some reason he/she left study then, in that case, the next installment will not be credited to the student or the institution and the next installment will only be credited if they are available for the course.
Also check Bihar board 10th result date and time here
Document required for the BSCCS
If you wanted to apply for the BSCCS then you need to submit some documents while registering whose details have been listed below:
- Aadhaar card of the applicant and co-applicant
- Matric, 10+2 (for polytechnic 10th) and the last examination qualifying certificate
- Certificate of received scholarship, free education-related
- Bank passbook of the applicant (in which the account number, bank name, IFSC code should be mention clearly)
- Enrollment certificate where the students enrolled which indicates the name of the course (or institution brochure outside the Bihar state)
- Details of the course fee received from the institute
- Two Passport size photographs of the applicant, co-applicant, and mother/ father/ husband/ guardians.
- Address proof of the applicants (bank passbook/electricity bill/ voter ID card/ driving license)
List of courses under BSCCS
You can check the list of courses that have been approved by the department and entitled for the loan and its list can be checked online whose link is given below.
Check here the list of courses
Bihar student credit card scheme| Important links
| Activity | Links |
| New Registration | Click here |
| Application status | Click here |
| Student login | Click here |
| List of Colleges under BSCCS | Click here |
| Process flow for BSCCS | Click here |
| User manual for BSCCS | Click here |
| A blank form for BSCCS | Click here |
| Guidelines for BSCCS | Click here |
How to apply for the Bihar student credit card scheme?
To avail the benefit of the scheme students can apply or through the mobile application.
- First of all, the applicant needs to click the direct link given on this page.
- Now on the home page of the portal applicant need to click on the ‘New registration’ tab
- After this, a general information window will open where you need to fill the details carefully.
- On submitting the details you need to submit the mobile number and for verification, an OTP will be received on your mobile number and on Email enter the same on the given space.
- Confirm the details submitted and once it was confirmed you will receive a registration number and password on your registered mobile number or through email.
- Now go to the home page of the portal and login with the credential received during the registration.
- After login, the personal information page will be available click on the submit button once filled.
- Next it will be asked you to select the scheme for the list you need to select the BSCC and click on the apply tab.
- On the next page, you need to fill some more information as it appears and submits the same once all fields have been filled.
- It will ask you to verify the details submitted click on the yes if all are correct otherwise click no.
- And once you click on yes then a confirmation message will be displayed on the screen and a PDF file of acknowledgment will be available to you, download the same.
- After successfully submitting the form you may visit the DRCC office on the working hours to verify the documents.
Note: No need to upload any documents during the online application
Application status for BSCCS
Once the application has been submitted you can check its application status from the portal by providing some details of registration below we have given the link through which you can check the status of your application.
Through tracking your application status you can easily know that whether your application is being processed or not. If there is any type of rectification needed in the application form it is known only by tracking the application.
Click here to check the application status
Other schemes for the Students
The Bihar government started the portal with a bunch of other schemes so that more and more students/beneficiaries can have maximum benefit from the schemes. The tag line of “आर्थिक हल, युवाओं को बल” covers the following schemes mentioned below. We have provided a brief overview of the schemes below.
- Mukhyamantri Nishchay Swayam Sahayata Bhatta Yojana
The scheme was launched by the state government to provide unemployment allowances to the candidates who have cleared 12th Standard and are unemployed. Under the scheme, the government provides an unemployment allowance of Rs 1000/month for a total of 2 year. To avail the schemes applicant must be between the age group of 20-25 and must have completed his/her Intermediate from a certified school under the Bihar Board.
The applicant must not be availing the other student’s welfare scheme such as Student Credit Card scheme. Have a look over the detailed eligibility for the scheme.
Mukhyamantri Nishchay Swayam Sahayata Bhatta Yojana Apply Online- Click Here
- Kushal Yuva Program
Under the scheme, the applicants who have completed their 10th standard will be given basic training by the Government so that they can improve their soft skills. The soft skills comprise Life skills, Communications Skills (English & Hindi), and Basic computer literacy education. Through the course, candidates get prepared for the upcoming opportunities in their life.
Candidates who are willing to enroll under the scheme need to visit the official portal of the Bihar Skill Development Mission. Applicants can refer to the direct links provided in the article. The eligibility to avail the scheme is that the applicant should be between the age group of 15-25 Years. Applicants must have passed Highschool from a recognized school under the Bihar Board.
Mukhyamantri Kushal Yuva Program – Register Here
Read the latest guideline regarding the Kushal Yuva Program
How to register feedback and Greviance?
The Students can register their Bihar Students credit card complain to the higher officials through the feedback and Grievance link present on the official portal. The candidates can click on the links below to register their feedbacks. The applicant can register their grievance regarding the issues related to DRCC, Scheme, Technical, or Others. Refer to the steps to lodge feedback and Grevinace.
- Visit the official porta of the शिक्षा विभाग,योजना एवं विकास एवं श्रम संसाधन विभाग
- Now the homepage appear on the screen.
- From the list of options present on the menu bar, tap on feedback and greviance (as shown below)
- The feedback & grievance page will appear on the screen.
- Fill the details i.e. Name, Mail id, Mobile Number, Issue, District and Your message.
- After filling the details, enter the captcha code and tap on submit button.
- After submitting the form, the user will finally get their grievance/feedback submitted to the officials.
Frequently Asked Question About Bihar student credit card 2022 (BSCC)
The official portal for BSCCS is www.7nishchay-yuvaupmission.bihar.gov.in
No, applicants do not need to upload any documents.
In such cases, you can call at the toll free number 18003456444
Do not need to worry it can also be downloaded upon login to the portal.
The schemes under the “आर्थिक हल, युवाओं को बल” are as follows.
Bihar student credit card Scheme;
Mukhyamantri Nishchay Swayam Sahayata Bhatta Yojana;
Kushal Yuva Program.
No, you can’t avail all three yojanas. The applicant can register for any one scheme provided under the initiative of “आर्थिक हल, युवाओं को बल”.
It is mandatory to complete Intermediate/Highschool from recognized school under the Bihar Board. The individuals who follow the criteria are eligible and can apply for the scheme.
After the applicants have successfully registered on the portal, then they have to reach the DRCC for documents verification between 10 AM to 6 PM.
The applicant will get the notification on their mail id regarding the completion of Online application.
Yes, the Government offers age relaxation for the candidates who belong to the reserved classes. For the category of SC/ST/PWD age relaxation of 5 years is provided. For OBC candidates age relaxation of 3 years is provided.
Can i apply this with the zero balance bank account?