State Welfare SchemeEducation & ScholarshipsVerified Sovereign Gazetteactive

Bihar Student Credit Card Scheme (BSCCS - MNSSBY)

बिहार स्टूडेंट क्रेडिट कार्ड योजना (एमएनएसएसबीवाई)

Implementing Ministry:Education & Planning Department, Government of Bihar

Scheme Key Parameters

Gazette Verified

Benefit / Amount

Up to ₹4,00,000 (4 Lakhs)

Beneficiaries

12th Pass Youth pursuing Higher Education (BA, BSc, BTech, MBBS, MBA)

Scheme Type

state

Apply Mode

online

Launch Year

2016

Scheme Code

CENTRAL-GOV

Primary Scheme Benefit & Assistance

Up to ₹4,00,000 (4 Lakhs)

Education loan up to ₹4 Lakh at simple interest of 1% for female/transgender/PwD and 4% for male students, guaranteed by the State Government.

Collateral-free higher education loan up to ₹4,00,000

Simple interest rate of 1% for girls, transgender, and PwD; 4% for boys

Moratorium period: Course duration + 1 year or 6 months after securing job

Covers tuition fees, hostel, books, laptop, and living expenses

State Government acts as guarantor (zero third-party guarantee required)

Civic Notice: Digital Dwara is an independent public information gateway. We do not collect scheme fees or sanction benefits. Applications are processed exclusively on sovereign government portals.

Official Scheme Overview

Detailed Scheme Overview & Guidelines

Collateral-free higher education loan up to ₹4,00,000 Simple interest rate of 1% for girls, transgender, and PwD; 4% for boys Moratorium period: Course duration + 1 year or 6 months after securing job Covers tuition fees, hostel, books, laptop, and living expenses State Government acts as guarantor (zero third-party guarantee required)

Beneficiary Eligibility

1. Who is Eligible? (Eligibility)

Beneficiaries must satisfy all statutory criteria prescribed by the Ministry.

Permanent resident of Bihar

Passed 10+2 / Intermediate from a recognized institution in Bihar

Age must not exceed 25 years at the time of application

Enrolled or accepted in NAAC/NBA/AICTE/UGC accredited institute

Mandatory Scheme Documentation

Documents Required for Application

Keep original documents and verified copies ready before starting your application to prevent verification delays.

Citizen Readiness Progress0 of 6 Ready (0%)

Tick documents below as you verify and assemble physical or scanned copies.

Aadhaar Card of student and co-applicant (parent)Mandatory

Download / Update Aadhaar

10th and 12th Marks Sheet and CertificateMandatory

Admission proof / offer letter from accredited collegeMandatory

Fee schedule issued by educational institutionMandatory

Residential / Domicile Certificate of BiharMandatory

Apply Domicile Certificate

Bank passbook copy showing IFSC and Account NumberMandatory

Tip: Ensure that the applicant name, father's name, and date of birth match character-for-character across all documents to prevent verification delays.