The Bihar Student Credit Card Scheme 2025 (BSCCS), launched under the 7 Nischay Yojana, aims to empower students by providing education loans up to ₹4 lakh to pursue higher education without financial barriers.
To make sure only genuine students benefit from the scheme, the Bihar government has clearly defined eligibility guidelines. Applicants must meet the following Bihar Student Credit Card Eligibility Criteria before applying online.
Who Can Apply for the Bihar Student Credit Card Scheme?
The Bihar Student Credit Card Scheme covers a wide variety of post-12th courses, including:
Eligibility Criteria | Details |
| Domicile | Permanent resident of Bihar |
| Minimum Qualification | Passed Class 12 (Intermediate) |
| Admission Requirement | Admission in recognized college/university |
| Courses Covered | Technical, Professional & General courses |
| Maximum Age Limit | 25 years (relaxable) |
| Family Income | Preference to economically weaker families |
| Collateral Requirement | Not required (Govt. of Bihar is guarantor) |
| Parents’ Role | Co-obligants; must provide ID & income proof |
To ensure smooth verification and fast loan approval, applicants must keep all mandatory documents ready before applying online through the official Bihar Student Credit Card Portal at https://www.7nishchay-yuvaupmission.bihar.gov.in/.
Here’s the complete list of documents required for Bihar Student Credit Card Scheme 2025 — categorized for students and parents/guardians.
Document Name | Purpose |
| Aadhaar Card | Proof of identity |
| PAN Card | Financial identification |
| 10th & 12th Marksheets | Educational qualification proof |
| Admission Letter / College ID | Confirmation of admission |
| Fee Structure / Prospectus | Verifies course fee details |
| Passport-size Photographs | Required for form and ID |
| Residence Proof (if applicable) | Address verification |
| Caste Certificate (if applicable) | For SC/ST/OBC categories |
| Bank Account Details | For disbursement of funds |
| Bonafide Certificate | Proof of enrollment from institution |
Document Name | Purpose |
| Aadhaar Card | Identity verification |
| PAN Card | Financial verification |
| Income Certificate | Family income proof |
| Photograph of Parents/Guardian | For loan records |
| Signature / Consent Form | Co-obligant approval |
| Mobile Number & Email ID | Communication and updates |
Q1. Who is eligible for the Bihar Student Credit Card Scheme 2025?
Students who are permanent residents of Bihar, have passed Class 12, and have taken admission in a recognized college or university are eligible.
Q2. What is the age limit for applying?
Applicants should generally be below 25 years of age, though relaxation applies for longer courses.
Q3. Do I need to provide collateral for this loan?
No. The Government of Bihar acts as the guarantor — no collateral is required.
Q4. Can I apply if I am studying outside Bihar?
Yes. Students from Bihar studying in recognized institutions across India are eligible.
Q5. What documents are required from parents or guardians?
Parents need to submit Aadhaar, PAN, Income Certificate, and a signed co-obligant consent form.
Q6. Can students from private colleges apply?
Yes, if the college is recognized by UGC, AICTE, or the State Education Department.
Q7. What happens if I upload incomplete documents?
Incomplete or unclear uploads may result in application rejection — always double-check before submitting.
The Bihar Student Credit Card Scheme 2025 provides up to ₹4 lakh for higher education with no collateral, low interest rates, and easy online application. Ensure you meet all eligibility criteria and upload the correct documents for quick approval.