Bihar Student Credit Card Yojana
Ab paise ki kami aapki padhai nahi rokegi. Bihar ke students ke liye higher education loan — ₹4 Lakh tak, bina guarantor aur bina collateral ke.
- ₹4 Lakh tak ka education loan
- Girls, Divyang & Transgender students ke liye special benefit
- Course fee, laptop aur padhai ke zaroori kharche covered
Scheme at a Glance
Quick overview — ek nazar meStudent Credit Card Kya Hai?
Bihar Sarkar ki ek khaas yojana jo higher education ko sabke liye possible banati hai.
Padhai Ka Sapna, Ab Paisa Rukawat Nahi
Bihar Student Credit Card Yojana (BSCCY) Bihar Sarkar ki Mukhyamantri Nishchay Swayam Sahayata Bhatta Yojana (MNSSBY) ke antargat chalne wali yojana hai. Iska uddeshya yeh hai ki Bihar ka koi bhi yogya student paise ki kami ki wajah se apni uchch shiksha na chhode.
Is yojana me Bihar State Education Finance Corporation Ltd. (BSEFC) ke madhyam se students ko education loan diya jata hai, jise padhai ke baad aasan kiston me chukaya ja sakta hai.
Yojana Ki Mukhya Visheshtayein
Student Credit Card se milne wale sabhi fayde ek jagah.
Loan Amount
Higher education ke liye maximum ₹4 Lakh tak ka loan uplabdh.
Low / Subsidised Interest
Official portal ke anusaar interest-free / concessional loan. Girls, Divyang aur Transgender students ko aur bhi zyada laabh.
No Guarantor, No Collateral
Loan ke liye kisi guarantor ya jamin (security) ki zaroorat nahi.
Late Repayment Start
Repayment course khatam hone ke 1 saal baad ya job milne ke 6 mahine baad — jo pehle ho — se shuru.
Course Fee + Laptop
Loan ka upyog course fee, laptop aur padhai se jude zaroori kharchon me.
Early Repayment Rebate
Jaldi loan chukane par additional interest rebate ka laabh.
Kaun Apply Kar Sakta Hai?
Apply karne se pehle yeh sab pura kar lein.
Eligibility
- Applicant Bihar ka permanent resident ho.
- Class 12th (Intermediate) ya equivalent pass kiya ho.
- Student ka admission approved college / institute me ho (BSCC list me shamil).
- Polytechnic, technical, professional aur general courses ke liye valid.
- Pehle se kisi anya education loan ka laabh na liya ho.
Zaroori Documents
- Aadhaar Card (Student & Parent/Guardian)
- PAN Card (agar available ho)
- Residence / Domicile Certificate
- 10th & 12th ki Marksheet / Certificates
- College Admission Proof & Fee Structure
- Bank Passbook (Aadhaar seeded account)
- Passport size Photograph
Loan & Repayment Details
Loan ki saari shartein ek table me.
| Details | Jaankari |
|---|---|
| Yojana ka Naam | Bihar Student Credit Card Yojana (BSCCY) — Saat Nishchay-2 |
| Implementing Agency | Bihar State Education Finance Corporation Ltd. (BSEFC), Shiksha Vibhag, Bihar |
| Maximum Loan | ₹4,00,000 tak |
| Loan Kis Kaam Me | Course fee, laptop aur anya zaroori padhai ke kharche |
| Interest Rate | Official portal ke anusaar interest-free / concessional (Girls, Divyang & Transgender ko extra laabh) — latest rate guidelines page par check karein |
| Guarantor / Collateral | Zaroorat nahi |
| Repayment Start | Course complete hone ke 1 saal baad ya job ke 6 mahine baad (jo pehle ho) |
| Installments | ₹2 Lakh tak — max. 60 EMI | ₹2 Lakh se upar — max. 84 EMI |
| Early Repayment | Additional 0.25% interest rebate |
| Application Mode | Online (portal) + DRCC par document verification |
Apply Kaise Karein?
Sirf 6 aasan steps me apna Student Credit Card paayein.
Portal Visit Karein
Official website 7nishchay-yuvaupmission.bihar.gov.in par jayein aur Student Credit Card option chunein.
Registration
Mobile number / Aadhaar se register karein aur login karein.
Form Bharein
Personal, course aur college ki details sahi-sahi bharein aur form submit karein.
DRCC Verification
Online apply ke 60 din ke andar apne zile ke DRCC me original documents ke saath verification karayein.
Bank Process
Verification ke baad sanction letter milega — bank me documentation formalities poori karein.
Loan Milega
Approval ke baad loan seedhe college fee ke liye release hota hai.
MPI Campus — Jahan Banta Hai Aapka Future
Student Credit Card ke saath apni padhai MPI me poori karein.
Main Campus Building
Computer Lab
Central LibrarySmart Classroom
Induction Program
Placement & Recruiters
Industry VisitMPI me Student Credit Card se Admission
BBA, BCA aur MBA courses me admission lene wale yogya students Bihar Student Credit Card ka laabh utha sakte hain. Kisi bhi madad ke liye hamare admission team se sampark karein.
Aksar Pooche Jaane Wale Sawal
Student Credit Card ke liye kaun apply kar sakta hai?
Bihar ka permanent resident student, jisne 12th pass ki ho aur jiska admission BSCC list me shamil approved college/institute me ho.
Maximum kitna loan milta hai?
Is yojana me maximum ₹4 Lakh tak ka education loan uplabdh hai.
Kya guarantor ya collateral dena padta hai?
Nahi. Is loan ke liye kisi guarantor ya collateral ki zaroorat nahi hoti.
Repayment kab se shuru hota hai?
Course complete hone ke 1 saal baad ya job milne ke 6 mahine baad — jo pehle ho. ₹2 Lakh tak ka loan max. 60 kiston me aur usse upar ka max. 84 kiston me chukaya ja sakta hai.
Kya online apply ke baad DRCC jana zaroori hai?
Haan. Online application ke 60 din ke andar kisi bhi karya divas par subah 10 se shaam 5 baje ke beech DRCC me original documents ke saath verification karana anivarya hai.
Application ka status kaise check karein?
Official portal par "Application Status" section me apna application number daal kar status dekh sakte hain.
Yeh jaankari general guidance ke liye hai. Interest rate, eligibility aur dates me badlav ho sakta hai — kripya final jaankari ke liye official Bihar Sarkar portal (7nishchay-yuvaupmission.bihar.gov.in) zaroor check karein. Portal ke naam se aane wale fake email/message se savdhan rahein.
Apni Higher Education Aaj Hi Shuru Karein
Student Credit Card ke liye abhi online apply karein aur Magadh Professional Institute me apna career banayein.