Bihar Student Credit Card Scheme

The Bihar government is in news for coming up with an ingenious scheme to get more students to enrol for graduate or equivalent level courses across the state. To do this, the Nitish Kumar-led administration has come up with a novel Student Credit Card scheme, which will help students receive the much needed education.

Here’s a more detailed view of what the scheme is exactly about and how one can go ahead and avail this.

Bihar Student Credit Card Scheme: The Background
In an official communique, the government has stated that the Gross Enrolment Ratio (GER) for higher studies stands at 14.3% in the state as compared to 24% in the rest of the country. And, to get more and more Standard 12 passouts to choose higher education, the government has decided to offer a credit card, which will not only fund their education, but also take care of their other key expenses while their studies are underway.

What Are The Benefits Of The BSCCS?
The benefit of the scheme, first and foremost, is available to students who have passed their 12th standard. Basically, any student hailing from a poor background and is looking forward to complete their education can take care of their expenses through this scheme. The most important aspect here is that the government owns the loan in the borrower’s stead, which needs to be repaid once the education is complete and the student finds a job successfully.

How To Apply For Bihar Student Credit Card?
The Bihar government has come up with multiple ways for people to apply for this scheme. For ione, the students can either use the portal at or do so with the help of an app created for the purpose.

Credit Score
What Is The Eligibility Criteria For Bihar Student Credit Card Scheme (BSCCS)?
The Bihar government has set a specific eligibility criteria for people looking to take advantage of the novel credit card scheme. Here’s what it looks like:

  • Applicant and co-applicant’s Aadhaar card.
  • Applicant’s ID card (DL, passport etc.)
  • Applicant and co-applicant’s PAN card
  • Mark sheets of the applicant’s 10th and 12th standard
  • Certificate of admission provided by a higher education institute
  • Two photos each of the applicant, their parents, and the guarantors
  • Residence certificate
  • Bank account statement of the applicant’s parents
  • Family income certificate and Form 16


1 Diploma in Pharmacy (D.PHARM) 2 Yrs.
2 Bachelor of Pharmacy (B.PHARMA) 4 Yrs.
3 Diploma Engineering 3 Yrs.
4 B.TECH- Computer Science Engineering 4 Yrs.
5 B.TECH- Mechanical Engineering 4 Yrs.
6 B.TECH- Civil Engineering 4 Yrs.
7 B.TECH- Electrical Engineering 4 Ws.
8 B.Tech- Electronic & Communication 4 Yrs.
12 BBA 3 Yrs.
13 MBA 2 Yrs.

All in all, the Student Credit Card by Bihar government is one of the first projects of this kind in India which looks to address the issue of low enrollment in graduate courses across the state. The fact that the government owns the loan also brings very little financial pressure on the student which is an intuitive way of investing in the state’s future.

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