The Bihar Student Credit Card Scheme 2025 (BSCCS), launched under the 7 Nischay Yojana, provides financial assistance of up to ₹4 lakh to students for pursuing higher education after Class 12.
One of the major highlights of this scheme is that it covers a wide range of courses — from general degree programs to technical, professional, and vocational streams — ensuring that every deserving student gets the opportunity to pursue a career of their choice.
The Bihar Student Credit Card Scheme supports education across multiple disciplines including Engineering, Medicine, Management, Science, Arts, Commerce, Law, Agriculture, and Skill Development programs.
Students enrolled in UG, PG, Diploma, and Professional programs recognized by the UGC, AICTE, MCI, PCI, ICAR, INC, or the State Government are eligible for financial aid under this scheme.
Course Category | Examples of Courses Covered | Recognition / Approval |
| 1. General Degree Courses | B.A., B.Sc., B.Com., M.A., M.Sc., M.Com. | Recognized by UGC / State Universities |
| 2. Technical Courses | B.Tech, B.E., M.Tech, Polytechnic Diploma, ITI | AICTE-approved institutions |
| 3. Professional Courses | BBA, MBA, BCA, MCA, B.Ed, M.Ed, BSW, MSW | UGC or State Govt.-recognized |
| 4. Medical & Paramedical Courses | MBBS, BDS, B.Sc. Nursing, GNM, D.Pharm, B.Pharm, Physiotherapy, Radiology | Approved by NMC / INC / PCI |
| 5. Agriculture & Allied Courses | B.Sc. Agriculture, Horticulture, Dairy Technology, Fisheries, Veterinary Science | Recognized by ICAR |
| 6. Law & Judicial Studies | LLB, LLM, BA LLB | Bar Council of India (BCI)-approved institutions |
| 7. Vocational & Skill Development Courses | Hotel Management, Aviation, Tourism, Animation, Fashion Designing, Journalism | NSDC / Skill Development Council approved |
| 8. Arts & Humanities | Fine Arts, Performing Arts, Sociology, Psychology, Literature | UGC-recognized universities |
| 9. Commerce & Management | B.Com, M.Com, BBA, MBA, Accounting, Finance | AICTE / UGC-recognized programs |
| 10. Computer & IT Programs | BCA, MCA, Computer Science, Data Analytics, AI, Cyber Security | AICTE / UGC-approved |
| 11. Agricultural Sciences & Forestry | Forestry, Horticulture, Food Technology | ICAR / State Agricultural Universities |
| 12. Research-Oriented Programs | M.Phil., Ph.D. (subject to DRCC approval) | UGC / AICTE recognized |
While the Bihar Student Credit Card Scheme covers a wide range of programs, a few courses are not eligible for funding:
To qualify for financial assistance, students must study in an institution recognized by one of the following regulatory bodies:
Regulatory Body | Type of Courses Approved |
| UGC (University Grants Commission) | General & professional degree programs |
| AICTE (All India Council for Technical Education) | Engineering & technical courses |
| NMC (National Medical Commission) | MBBS & Medical programs |
| INC (Indian Nursing Council) | Nursing & Paramedical courses |
| PCI (Pharmacy Council of India) | Pharmacy & Allied Health |
| ICAR (Indian Council of Agricultural Research) | Agriculture & Veterinary Sciences |
| BCI (Bar Council of India) | Law programs |
| NSDC (National Skill Development Corporation) | Vocational & skill-based courses |
Here’s a list of some of the most popular programs students from Bihar choose under the BSCC scheme:
Stream | Top Courses Covered |
| Engineering & Technology | B.Tech (CSE, Civil, Electrical, Mechanical, IT), M.Tech |
| Medical & Health Sciences | MBBS, BDS, Nursing, B.Pharm, D.Pharm, Physiotherapy |
| Management & Commerce | BBA, MBA, B.Com, M.Com |
| Arts & Humanities | BA, MA, Fine Arts, Journalism, Psychology |
| Law | LLB, LLM, BA LLB |
| Agriculture & Allied | B.Sc. Agriculture, Dairy Science, Fisheries |
| IT & Computer Science | BCA, MCA, Data Science, Cyber Security |
| Vocational Courses | Hotel Management, Fashion Design, Travel & Tourism |
Q1. Does the Bihar Student Credit Card Scheme cover all undergraduate courses?
Yes, The scheme covers almost all UG degree programs such as BA, B.Sc., B.Com, and other general courses recognized by UGC or State Universities. Students from arts, science, and commerce streams are all eligible.
Q2. Are engineering and technical courses eligible?
Absolutely, The BSCC Scheme includes engineering and technical programs such as B.Tech, B.E., Diploma in Engineering, and ITI courses offered by AICTE-approved institutions across India.
Q3. Can medical and nursing students apply for BSCCS?
Yes, Students pursuing MBBS, BDS, Nursing, Pharmacy, or Paramedical programs in colleges recognized by NMC, INC, or PCI are eligible to receive financial support under this scheme.
Q4. Are postgraduate programs like MBA or M.Tech covered?
Yes, The scheme also supports PG and professional degrees like MBA, M.Tech, MCA, M.Ed, and other UGC-recognized courses, ensuring students can continue higher education after graduation.
Q5. Is distance learning or online education eligible?
Only UGC-approved distance or online programs offered by recognized universities are accepted. Non-recognized correspondence courses are not covered under the scheme.
Q6. Can I take this loan for foreign universities?
No, The Bihar Student Credit Card Scheme 2025 applies only to Indian institutions recognized by national or state regulatory bodies. Education abroad is not included in this scheme.
Q7. What if my college is private?
You can still apply if your private college is recognized by AICTE, UGC, or the State Government. The institution’s approval status is crucial for loan eligibility under BSCC Bihar 2025.