Admission Through Bihar Student Credit Card Scheme
Get up to ₹4,00,000 (Four Lakhs) collateral-free higher education loan with subsidized interest rates. Study B.Tech, Medical, Nursing, B.Pharm, or Management in India’s premier NAAC & DRCC-approved institutions.
Key Features of Bihar Student Credit Card Scheme
Launched by the Govt. of Bihar under MNSSBY to empower students to complete higher professional education without financial obstacles.
Zero Collateral / Third Party
The State Government acts as the guarantor. Neither land mortgage nor fixed deposit collateral is required from parents.
Extended Moratorium Period
Repayment starts after course completion plus 1 year grace period, or 6 months after securing employment, whichever is earlier.
Comprehensive Fee Coverage
Covers institutional tuition fees, laboratory fees, hostel and mess charges, laptop purchase allowance, and textbook expenses.
Mandatory Documents Required for DRCC Verification
10th & 12th Certificates
Marksheets, Admit Card, and Passing Certificates
College Bonafide & Fee Structure
On college official letterhead with NAAC/DRCC code
Bihar Residential Certificate
Official Aawasiya Praman Patra with barcode
Aadhaar & PAN Cards
For both Student & Co-applicant (Parent/Guardian)
Bank Passbook Copy
Active savings bank account with clearly printed IFSC
Passport Size Photographs
Recent color photographs (Student + Parent)