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Bihar Student Credit Card Yojana is a program that enables financially weak students for their higher education. The government wants to uplift all the people of Bihar by assisting them financially and by opening an opportunity for them. In August 2018, Bihar had 14.3% of the Gross Enrolment Ratio whereas India’s average Gross Enrolment Ratio was 24% in the same year.
| Benefit | You can issue an education loan up to 4 Lakh INR with minimal interest. |
|---|---|
| Courses Covered | The loan serves not only technical but also the general and political courses. |
| Special Interest Rate | Girls, Transgender, and Divyang students will get the loan at an interest rate of only 1%. |
| Usage | You can use this money to buy books, laptops, pay fees, and other educational needs. |
| Loan Guarantee | Don’t worry as the Government is owning your loan. In an extreme situation, the government will totally wipe out your loan. |
| Repayment | The repayment process will start once you complete your studies and land a permanent job. |
| Condition | You must have to be a resident of Bihar. |
|---|---|
| Education Requirement | You need to complete your Higher Secondary Education. |
| Age Limit | Your age must not cross the 25 years limit bar. |
| Institute Requirement | You must go to an authorised institute. |
| Course Completion | Once you get admission, you need to complete the course entirely. |
| Documentation | Must have the hard copy documentation of your 10th & 12th mark sheets. |
| Proof of Application | Proof that you have applied for the institute. |
| Bank & Co-applicant Proof | You need to submit your bank account statement and FORM 16. Submission of Co-applicant’s ID proof, address proof, Aadhar, and PAN card. |
| Eligibility Criteria |
|---|
| You must be a resident of Bihar. |
| You need to complete your Higher Secondary Education. |
| Your age must not exceed 25 years. |
| You must go to an authorized institute. |
| Once admitted, you need to complete the course entirely. |
| Must have hard copies of your 10th & 12th mark sheets. |
| Proof of application to the institute. |
| Submit your bank account statement and FORM 16. |
| Provide Co-applicant’s ID proof, address proof, Aadhar, and PAN card. |
| Steps to Apply |
|---|
| Visit the official website: 7nischayyuvaupmission.bihar.gov.in. |
| Click on the button ‘New Applicant Registration.’ |
| Enter your details and register using the OTP. |
| After registration, go to the home page and log in. |
| Set a new password and log in again. |
| Submit all your personal details and click submit. |
| Select ‘Bihar Student Credit Card’ from the drop-down menu. |
| Fill in all the required details, including financial information. |
| Click on the submit button. |
| You will receive an acknowledgment via email. |
Bihar Student Credit Card Yojana Bihar Student Credit Card is only for educational purposes. You can’t use it like a regular credit card. You can only buy devices and stuff that you can further use in your academics.
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