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Bihar Student Credit Card Scheme

Mukhyamantri Nischay Swayam Sahayata Bhatta Yojana (MNSSBY) is offering students financial support through the Bihar Student Credit Card, or BSCC scheme. The Bihar Student Credit Card Yojana was introduced by the state government of Bihar to provide financial aid to students for the purpose of higher education. 

The scheme aims to boost the Gross Enrolment Ratio of 14.3% (in August 2018) to 30% within 5 years. As a beneficiary of this scheme, you would be getting financial aid of up to ₹4 Lakhs at minimal interest rates. The funding can be utilised to finance B.Sc., B.A., B.Tech., or M.B.B.S courses. 

Key Highlights of the Bihar Student Credit Card

The key highlights of MNSSBY are mentioned below: 

  • Students can avail of loans up to ₹4 Lakhs to fund their higher education.

  • Loans are granted against a low interest rate.

  • Financial support under MNSSBY covers a wide range of higher education courses. 

  • The loan amount can be used to pay your fees or purchase books, stationery, and other course materials. 

  • The loan amount can be conveniently repaid after the course ends and the student finds a job.

Features and Benefits of Bihar Student Credit Card

Here are some of the best features and benefits of the Bihar Student Credit Card:

  • You can get a maximum loan amount of ₹4 Lakhs.

  • The loan is eligible for students pursuing technical, polytechnic, as well as general courses.

  • Monetary assistance is available if you want to pay fees, buy books, purchase laptops, etc.

  • For girls, transgenders, and students with disabilities, a preferential interest rate of 1% is applicable.

  • The repayment of the loan will commence only after the completion of the course and once you have secured a job.

  • As it is a government scheme, the recovery process is not very strict. In certain extreme cases, the remaining loan amount may be completely waived off by the government.

Eligibility Criteria and Documents Required for a Bihar Student Credit Card

To qualify for a Bihar student credit card, you must meet the following criteria: 

  • You should be residing in Bihar. 

  • You should be at least 25 years old.

  • You should have passed the 12th standard.

  • You should have enrolled in a higher education institution that’s recognised by the concerned government regulatory board. 

If you meet all the requirements on this eligibility checklist, you can apply for the loan by submitting the following documents:

  • Aadhaar Card and PAN Card copies (you and the co-applicant)

  • Class 10 and 12 marksheets

  • Address proof documents (driver’s licence, voter’s ID, etc.) 

  • Proof of admission (admission letter/certificate)

  • Fee structure for the proposed higher education course

  • Your parent’s/co-applicant’s income certificate

  • Scholarship letter (if applicable)

  • Copies of your bank passbook

  • 2 passport-size photos (you and the co-applicant)

How to Apply for a Bihar Student Credit Card

To apply for a Bihar student credit card online, simply follow these steps:

  • Step 1: Go to the MNSSBY website.

  • Step 2: Click on the ‘New Applicant Registration’ option.

  • Step 3: Enter some basic information and click on the ‘Send OTP’ option.

  • Step 4: Enter the OTP you receive on your registered phone number or email ID.

  • Step 5: Click on the ‘Go to the Home Page’ option and log in using the credentials received via email/SMS during your initial registration.

  • Step 6: Create a new password for the account and log in again. 

  • Step 7: Fill up the blank fields in the next window with your personal details and click ‘Submit’. 

  • Step 8: Under the ‘Select Scheme’ button, pick the ‘Bihar Student Credit Card’ option. 

  • Step 9: Complete the credit card form with details about you and your co-applicant. 

  • Step 10: Click ‘Submit’ after reviewing the information. You will receive an acknowledgement slip that should be kept safely for future reference. 

Bihar Student Credit Card Customer Care

For any query related to the Bihar Student Credit Card Yojana, candidates can call on the helpline number – 1800 3456 444. Alternatively, they can also send an email on

FAQs on Bihar Student Credit Card Scheme

✔️How can I use the Bihar Student Credit Card?

Bihar Student Credit Card can be used to pay the fees, insurance premium, caution deposit, building fund, purchase books, stationery, uniforms, purchasing computers, etc.

✔️What is a Bihar student credit card?

The Bihar student credit card does not work like the usual credit card. In simple words, it doesn’t offer you the same benefits and rewards that regular credit cards do. The reason is simple. The primary purpose of the card is only to fund your education and thus, it does not provide the benefits like a normal credit card.

✔️How can I get a Bihar student credit card?

To apply for a Bihar student credit card online, you will first have to register on the MNSSBY website. You can do so under the ‘New Applicant Registration’ option by filling up the online form and logging in the OTP you receive. Then navigate to the homepage where you need to log in and create a new password for your account. 

Once that’s done, you can fill in the basic details and click submit to complete your account. Next, under the ‘Select Scheme’ option, you can click on the ‘Bihar Student Credit Card’ option and fill up the required details about you and your co-applicant. Now all you have to do is click on ‘Submit’ and save the acknowledgement for later.

✔️How can I check the status of my student credit card in Bihar?

You can check your Bihar student credit card status online by visiting the site and enter your registration number or Aadhaar number and date of birth. On submission, you will be provided with your Bihar student credit card application status information

✔️Who can apply for a Bihar student credit card?

You need to be a resident of Bihar and should have successfully cleared the 12th grade.


✔️How much loan can I get under the MNSSBY Bihar Student Credit Card Yojana?

You can get a maximum amount of ₹4 Lakhs as a loan under the MNSSBY Bihar Student Credit Card Yojana.


✔️Are there income proof documents I need to submit while opting for Bihar Student Credit Card?

To opt for the Bihar Student Credit Card, you must submit Form 16 and an income certificate as income proof documents

✔️What is the age criteria for Bihar Student Credit Card?

You need to be younger than 25-years of age to be eligible for the MNSSBY Bihar Student Credit Card Yojana.


✔️How can I track the application for a Bihar Student Credit Card?

You can check the status of your loan application by calling the Bihar Student Credit Card helpline number 1800-3456-444. You can also visit the Nischay Yuva Mission website to review your application’s status.


✔️Can I use my Bihar student credit card to buy a laptop?

Yes. When you apply for a Bihar student credit card, you’re eligible for a loan amount of up to ₹4 Lakhs. As a student, you can use this BSCC loan to buy a laptop to facilitate your education. In general, the credit line offered through the MNSSBY’s student credit card scheme can be used to purchase books, pay fees, or meet any other course requirement.