Bihar Student Credit Card (BSCC)
Education loan of up to ₹4 lakh with no security, backed by a state guarantee.
Bihar · Education · Checked October 2026
At a glance
- Loan amount
- Up to ₹4 lakh
- Security
- Not needed up to ₹4 lakh; the Bihar State Education Finance Corporation guarantees the loan
- Interest-free period
- From the loan until one year after the course ends, or six months after getting a job, whichever is earlier
- Interest afterwards
- 4% simple interest, and 1% for women, persons with disabilities and transgender applicants (as described on the portal)
- Courses
- General courses such as BA and BSc, and professional or technical courses such as engineering, medicine, management and law
Who can apply
- Bihar residents who passed Class 12 (or Class 10 for polytechnic) from a recognised institution in the state. Students from the bordering states of Jharkhand, Uttar Pradesh and West Bengal are also covered, as the portal describes.
- The student must already be admitted to, or selected for, a recognised higher education institution.
How to apply
- Apply online on the official Bihar Student Credit Card portal and choose BSCC from the scheme list.
- The district office coordinates your application and the bank confirms the sanction; collect your card and sanction letter from the district office.
Go to Bihar Student Credit Card portal ↗
Things to know
- Several pages on the portal date from around 2016. We could not confirm whether the interest terms or age limit have changed since, and some websites claim 0% interest from 2026 without an official source. Confirm the current terms on the portal or with the Bihar State Education Finance Corporation before you apply.
- The age limit stated on the portal (we saw 25 years) should also be confirmed.
Frequently asked questions
What is Bihar Student Credit Card?
Bihar Student Credit Card (BSCC): Education loan of up to ₹4 lakh for students who have passed Class 12 in Bihar, with a state guarantee and no security needed.
Who is eligible for Bihar Student Credit Card?
Bihar residents who passed Class 12 (or Class 10 for polytechnic) from a recognised institution in the state. Students from the bordering states of Jharkhand, Uttar Pradesh and West Bengal are also covered, as the portal describes. The student must already be admitted to, or selected for, a recognised higher education institution.
What do you get under Bihar Student Credit Card?
Education loan of up to ₹4 lakh with no security, backed by a state guarantee.
How do I apply for Bihar Student Credit Card?
Apply online on the official Bihar Student Credit Card portal and choose BSCC from the scheme list. The district office coordinates your application and the bank confirms the sanction; collect your card and sanction letter from the district office.
Sources
Details checked on October 2026 against:
General information from official sources, not legal or financial advice. SaveItIndia is not a government website. Schemes change, so confirm amounts, dates and eligibility on the official portal or with your bank before you apply.