The BSCC scheme offers education loans up to ₹4 lakh to permanent residents of Bihar who have passed their 12th standard or equivalent examination. The loan can be utilized for a variety of academic expenses including tuition fees, study materials, and essential devices like laptops. The BSCC supports students pursuing courses in fields like engineering, medicine, management, law, nursing, and more, thereby encouraging academic excellence regardless of financial background.
Loan Amount: Up to ₹4,00,000 per student for educational expenses
Interest Rate: 4% per annum for general students; 1% per annum for female, differently-abled, and transgender students
Repayment Terms: Start repayment one year after course completion or six months after employment
Course Coverage: Professional, technical, and general degree courses at government-recognized institutions
Verification Process: Offline document verification at designated counseling centers for authenticity
Eligibility:
Must be a permanent resident of Bihar
Passed 12th standard or equivalent
Age generally below 25 years (with applicable relaxations)
Enrollment in recognized educational institutions
Step 1: Register online at the Meri Shiksha portal: https://www.merishiksha.org/
Step 2: Receive login credentials via SMS and email.
Step 3: Complete the Bihar Student Credit Card loan application form online.
Step 4: Submit original documents at your nearest District Registration and Counseling Center (DRCC) for verification.
Step 5: Upon approval, get your Bihar Student Credit Card and proceed with loan disbursement.
Aadhaar Card and PAN Card (if applicable)
Class 10th and 12th mark sheets and certificates
Proof of admission to educational institution
Income certificate and tax documents of parents or guardians
Bank passbook with recent transactions
Residence proof such as voter ID, passport, or utility bills
Recent passport-sized photographs
This scheme addresses the major hurdle of funding higher education among students from economically weaker sections. By offering loans at heavily subsidized interest rates and flexible repayment options, the Bihar Student Credit Card encourages more students to complete their education and acquire professional skills needed for the workforce. The scheme’s inclusivity towards female and differently-abled students further showcases Bihar’s dedication to equitable education.
Bihar students aspiring to pursue higher education can visit merishiksha.org for detailed guidance, eligibility criteria, FAQs, and step-by-step application support related to the Bihar Student Credit Card scheme. Make the most of this opportunity to transform your educational ambitions into reality.
For Further updates and application, visit Meri Shiksha