The Bihar Student Credit Card Yojana is a flagship scheme initiated by the Government of Bihar to financially empower students seeking higher education. The program allows eligible students to avail of a credit card with a loan of up to INR 4 lakhs to cover their educational expenses, including tuition fees, books, accommodation, and other associated costs.
The scheme primarily targets students from economically weaker sections of society who otherwise might not be able to afford to continue their education after completing higher secondary school. With this initiative, the government aims to reduce dropout rates and encourage students to pursue professional and technical courses that can enhance their employment prospects.
Since its inception, the Bihar Student Credit Card Scheme has helped thousands of students across the state, making education accessible and affordable for all.
Bihar Student Credit Card Yojana 2025 All Details
| Feature | Details |
|---|---|
| Scheme Name | Bihar Student Credit Card Scheme |
| Article Title | Bihar Student Credit Card Yojana 2025 |
| Category | Sarkari Yojana |
| Maximum Loan Amount | Up to ₹4 Lakhs |
| Application Methods | Available Online and Offline |
| Official Website | www.7nishchay-yuvaupmission.bihar.gov.in |
Objectives of the Bihar Student Credit Card Scheme
The main objectives of the Bihar Student Credit Card Yojana are:
- Promoting Higher Education: The scheme aims to encourage students to pursue higher education by providing financial support, especially to those who lack the necessary resources to continue their studies.
- Reducing Dropout Rates: Many students in Bihar discontinue their education after completing their higher secondary schooling due to financial difficulties. This scheme helps prevent such dropouts by offering loans to cover educational expenses.
- Boosting Skill Development: The program covers a wide range of courses, including technical and professional ones, to ensure that students develop the necessary skills to meet the demands of the job market.
- Ensuring Financial Inclusion: The credit card system under this scheme ensures that even students from economically weaker sections can access formal financial support for their education.
- Improving Employment Opportunities: By supporting students in completing their higher education, the scheme indirectly contributes to increasing employment opportunities for the youth of Bihar, as a well-educated workforce is more likely to secure better jobs.
Eligibility Criteria for Bihar Student Credit Card Yojana
To ensure that only deserving students benefit from the scheme, the government has laid down specific eligibility criteria. Applicants must meet the following conditions to be eligible for the Bihar Student Credit Card Yojana 2025:
- Residential Status: The applicant must be a permanent resident of Bihar.
- Educational Qualification: The student must have completed their 12th-grade education from a recognized board (CBSE, ICSE, or Bihar School Examination Board) or equivalent institution.
- Age Limit: The age of the applicant should not exceed 25 years at the time of applying for the scheme.
- Admission to Recognized Institution: The student must have secured admission to a recognized college, university, or institute to pursue higher education. The institution can be located within Bihar or outside, as long as it is recognized by the concerned authority.
- Course of Study: The student must be pursuing a technical or professional course such as engineering, medical, management, law, or any other course approved by the government under the scheme.
- Financial Condition: While there is no specific income limit for the scheme, priority is given to students from economically weaker sections of society who face financial difficulties in pursuing their education.
- No Prior Educational Loan: The student should not have availed of any other education loan from a bank or financial institution for the same course.
Required Documents for the Application
When applying for the Bihar Student Credit Card Yojana, you will need to submit certain documents to support your application. The following is a list of the required documents:
- Aadhaar Card: A copy of your Aadhaar card for identification purposes.
- Residential Proof: Proof of your permanent residence in Bihar (such as a ration card, voter ID, or domicile certificate).
- 10th and 12th Marksheet: Copies of your 10th and 12th-grade mark sheets.
- Admission Letter: A copy of the admission letter from the institution where you have secured admission.
- Fee Structure: The fee structure of the course you are pursuing, provided by the educational institution.
- Bank Account Details: Bank account details (passbook or canceled cheque) for disbursing the loan amount.
- Income Certificate: Income certificate of the family (if applicable).
- Passport-sized Photographs: Recent passport-sized photographs of the applicant.
- Signature: A digital or scanned signature of the applicant.
Make sure all documents are clear and legible before uploading them to avoid any delays or rejections in the application process.
How to Apply Online for Bihar Student Credit Card Yojana 2025
If you want to apply online for the Bihar Student Credit Card Yojana 2025, you can follow the steps mentioned below. The official link to apply is provided in the table below.
1. Registration
- To apply online for the Bihar Student Credit Card Yojana, you must first visit its official website.
2. After arriving on the official website’s homepage, you will see the option for “New Applicant Registration,” on which you will need to click.
- After clicking, the Registration Form will appear in front of you, which you should fill out accurately.
- After entering all the information, you will fill in your Mobile Number and Email ID and click on the “Send OTP” button.
- Then, you will receive an OTP on the provided mobile number and email ID, which you will enter here.
- After that, click on the “Register” button to complete your registration.
- Once the registration is complete, you will receive your Login ID and Password on your mobile number and email ID, which you should save for future use.
Login and Apply Online
After completing the registration for the Bihar Student Credit Card scheme, you will proceed to the login page.
- After that, you will fill in your Username and Password and log in.
- Once logged in, the Application Form will appear in front of you, which you should fill in accurately and carefully.
- After entering all the details, select the course for which you want to apply for a loan.
- Then, upload scanned copies of all the required documents as requested.
- After uploading all the documents, review all the information you have provided once more.
- Next, click on the Submit button to complete the application process.
- After applying, you will receive a receipt of the application form, which you should print and keep.
- Following this, visit your DRCC Office to complete the KYC process.
Conclusion
In this article, we have provided all the detailed and accurate information about the Bihar Student Credit Card Scheme 2025. Students who wish to benefit from this scheme can apply by following the steps mentioned above. Alternatively, you can also visit the DRCC office to apply for the Bihar Student Credit Card Scheme, where the officials will assist you with the entire application process.
If you found this article helpful, please share it with your friends who are interested in availing of the benefits of this scheme to pursue higher education. If you have any questions related to this article, feel free to ask in the comment box below.
Some Useful Important Link
| Apply Online | Click Here |
| Official Website | Click Here |
| Home Page | Click Here |
Frequently Asked Questions
1. What is the Bihar Student Credit Card Yojana?
- The Bihar Student Credit Card Yojana is a government scheme designed to provide financial assistance to students for pursuing higher education. Under the scheme, students can avail of loans up to ₹4 lakhs to cover tuition fees, study materials, and other education-related expenses.
2. Who is eligible to apply for the Bihar Student Credit Card Yojana?
- To be eligible for the scheme, students must meet the following criteria:
- They must be permanent residents of Bihar.
They should have completed their 10+2 or equivalent exams.
They must have been admitted to a recognized institution for higher education.
3. What is the loan amount offered under this scheme?
- Students can apply for a loan ranging from ₹10,000 to ₹4 lakhs under the Bihar Student Credit Card Yojana.
4. How can I apply for the Bihar Student Credit Card Yojana 2025?
- You can apply online through the official portal. Simply follow the steps mentioned on the website to submit your application.
- Apply Online: Click Here
- Visit the Official Website: Click Here
5. What documents are required to apply?
You will need the following documents to apply:
- Aadhar Card
- Educational certificates (10th, 12th, or equivalent)
- Admission proof from the recognized institution
- Bank details for the loan transfer
6. Is there an interest rate on the loan?
- Yes, the loan under the Bihar Student Credit Card Yojana is provided at a low-interest rate, which will be determined by the government.
7. How will the loan be repaid?
- The loan will be repaid after the completion of your course, and the repayment terms will be communicated to you after approval. Typically, there will be a grace period before repayments start.
8. Can I use this loan for any course?
- Yes, the loan can be used for a variety of courses, including undergraduate, postgraduate, diploma, and professional courses at recognized institutions.
9. How do I track the status of my application?
- You can track your application status by logging into your account on the official website.
10. Is there any age limit to apply for the scheme?
- Yes, applicants must be between 18 to 25 years old to be eligible for the scheme.
- For more details, visit the official website and explore all available options!
