BIHAR STUDENT CREDIT CARD SCHEME (BSCC)
Official Policy and Operational Information Document
The Bihar Student Credit Card Scheme (BSCC) is a government-backed education financing initiative under the “7 Nishchay” Programme, providing structured loans for higher education through a centralized digital and physical service delivery system involving DRCCs, banks, verification agencies, and state monitoring units.
1. Scheme Background and Legal Framework
The Bihar Student Credit Card Scheme was launched on 02 October 2016 under the Government of Bihar’s flagship “7 Nishchay” Programme. The scheme is administered by the Education Department, Government of Bihar and implemented through a centralized digital and physical service delivery system involving District Registration and Counselling Centres (DRCCs), banks, verification agencies, and state monitoring units.
Subsequent amendments and operational revisions were notified through:
• Departmental resolution dated 28 March 2018
• Departmental resolution dated 05 July 2019
• Consolidated operational guidelines
2. Scheme Objective
The primary objective of BSCC is to increase Bihar’s Gross Enrolment Ratio (GER) in higher education and improve youth employability by providing institutional credit support for higher education and professional courses. The scheme targets progressive expansion of beneficiary coverage, reaching up to 1,00,000 students annually in later implementation phases.
3. Beneficiary Coverage and Eligibility Framework
3.1 Domicile and Educational Qualification
| Be residents of Bihar |
| Have passed Class XII from Bihar-recognized institutions |
| Polytechnic applicants may apply based on Class X qualification |
| Border district students passing from institutions in Jharkhand, Uttar Pradesh or West Bengal are eligible if domiciled in Bihar |
3.2 Age Eligibility
| Maximum age at application: 25 years |
| For postgraduate programs requiring graduation: Maximum 30 years |
3.3 Course Eligibility (All-Inclusive Approved Course List)
Education loans under BSCC shall be sanctioned only for courses officially approved by the Education Department (Annexure-3). Categories include:
| Category | Programs / Courses |
|---|
| General Degree & Postgraduate Programs | B.A., B.Sc., B.Com., M.A., M.Sc., M.Com., Aalim, Shashtri |
| Computer Science & IT Programs | B.C.A., M.C.A., B.Sc. IT, B.Sc. Computer Application, B.Sc. Computer Science |
| Engineering, Polytechnic & Architecture | B.Tech/B.E. (All branches), B.Sc. Engineering, Polytechnic, B.Arch, Integrated M.Sc/M.Tech, Lateral entry B.Tech/B.E. |
| Medical, Health Sciences & Allied | M.B.B.S., B.D.S., B.A.M.S., B.H.M.S., B.U.M.S., B.V.M.S., B.Pharmacy, B.Sc. Nursing, G.N.M., BPT, BOT |
| Management, Commerce & Hospitality | B.B.A., M.B.A., B.H.M.C.T., Hotel Management Courses, Diploma in Hotel Management |
| Education, Law & Physical Education | B.A./B.Sc.–B.Ed., B.P.Ed., BL / LLB (5-Year Integrated) |
| Media, Arts, Design & Creative Programs | B.F.A., Mass Communication / Journalism, B.Sc. Fashion Technology, Apparel/Footwear Designing |
| Agriculture, Library Science & Yoga | B.Sc. Agriculture, B.Sc. Library Science, Bachelor in Yoga |
| Food Technology & Nutrition | Diploma in Food Processing, Food Production, Food & Beverage Services, Food/Nutrition/Dietetics |
| Aviation, Shipping & Specialized Professional | Aeronautical Engineering, Pilot Training, Shipping & Maritime Programs |
3.4 Scheme Course Update Provision
The Education Department retains authority to add, modify, or remove courses through periodic notifications and guideline updates.
4. Institutional Eligibility for Outside Bihar Admissions
Eligibility requires:
- NAAC Accreditation with minimum Grade ‘A’, OR
- NBA Accreditation for the concerned program, OR
- Inclusion under National Institutional Ranking Framework (NIRF) rankings
5. Loan Financial Framework
| Maximum Loan Amount | ₹4.00 lakh |
| Laptop Purchase (Technical Courses) | One laptop up to ₹35,000 included in loan ceiling; amount credited directly to student bank account |
6. Interest Structure and Moratorium
| General applicants interest | 4% simple interest |
| Women, Divyang & Transgender applicants interest | 1% simple interest |
| Moratorium Period | Course duration + 1 year or 6 months after employment, whichever occurs earlier |
| Interest during moratorium | ₹0.25 per month per ₹1000 loan amount |
7. Online Application System Architecture
Applications must be submitted via official web portal or mobile app. System components include:
- OTP-based registration
- Auto-generated PDF acknowledgement
- SMS and email confirmation
- Applicant tracking dashboard
- Zero document upload at online stage
8. DRCC Physical Verification Framework
| Verification Layer | Responsibility / Action |
|---|
| Multi-Purpose Assistant (MPA) | Initial verification of applicant details |
| Aadhaar Authentication | Verify identity against government records |
| Document Scanning | Scan and generate receipts |
| Assistant Manager Verification | Check documentation and eligibility |
| Third Party Verification Agency (TPVA) | Authenticate documents independently |
| Education Dept Nodal Officer | Final approval and submission to bank |
9. Time-Bound Service Delivery Standards
| Process | Timeline |
|---|
| MPA verification | 15 minutes |
| Assistant Manager review | 15 minutes |
| TPVA verification | 15 working days |
| Bank sanction upload | 15 working days |
| Fund release | 10 working days |
10. Loan Disbursement Mechanism
Disbursement is conducted semester-wise:
- Institutional fees paid via RTGS / NEFT / Demand Draft
- Living expenses and study allowances credited to student account
- DRCC academic continuation verification required before release
11. Repayment Framework
| Loan up to ₹2 lakh | Maximum 60 EMIs |
| Loan above ₹2 lakh | Maximum 84 EMIs |
| Early repayment incentive | Interest rebate of 0.25% on early closure |
12. Unemployment Protection Provision
If borrower remains unemployed or self-employed:
- Repayment recovery deferred
- Mandatory June and December affidavit submission at DRCC required
13. Recovery and Default Management
In case of default:
- Recovery proceedings initiated under Public Demand Recovery Act (PDRA)
- Legal enforcement applicable to borrower and co-borrower
14. Monitoring and Governance Structure
Oversight is conducted through:
- State Project Management Unit (SPMU)
- Bihar State Education Finance Corporation
- District Magistrate supervision
- District Programme Implementation Committees
- MIS-based reporting system
15. Call Center and Grievance Support System
Support infrastructure includes:
- Dedicated state call center
- Application status enquiry support
- Scheme awareness assistance
Conclusion
The Bihar Student Credit Card Scheme functions as a digitally governed, institutionally verified, financially regulated and legally enforceable education financing system. The scheme integrates online application technology, physical verification architecture, bank-linked disbursement mechanisms, repayment safeguards, and state-level monitoring to ensure transparent and inclusive higher education financing.
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