Patna: If you are a student, you should be aware of student credit. Nowadays, a large number of banks and credit card companies offer student credit cards. The Bihar government has launched the Bihar Student Credit Card Scheme under which education loans up to Rs 4,00,000 will be provided to 12th pass students at a zero percent interest rate.


The first question is who will be eligible to get the credit card?


In fact, the student's age for credit card application should be 18 years or older. This credit card is not for school students. Only college-going students can apply for it. The applicant should not be more than 25 years of age while applying for a loan in the scheme.


- Documents required for student credit card scheme-



  • An admission certificate or selection certificate from higher education institute should be provided.

  • Detailed document of fees to be issued by the institute.

  • Residence Certificate.

  • 12th pass certificate.

  •  Self-attested copy of the online filled application form with the latest passport size photo pasted on it.

  • PAN card.

  •  Two photos of each student, parent and guarantor.

  •  Previous year's family income certificate and form-16.

  • Parents' bank accounts details of last 6 months

  • Income tax, if advance tax, property tax, or municipal committee tax receipt.


Eligibility of Bihar Student Card Loan Scheme


the benefit of the scheme is basically for the residents of Bihar and the people of other states cannot take advantage. The applicant should have been selected in the state or a centrally recognized college or university. If for any reason the applicant leaves the education in between, the remaining amount will not be available to the applicant or to the institution.


Bihar Student Credit Card Scheme Registration (Student Credit Card Registration)



  • The state government of Bihar Student Card Loan Scheme has launched both portal and mobile app in which all applicants can apply online easily.

  • You have to register to log in to this website https://www.7nishchay-yuvaupmission.bihar.gov.in.

  • You need to enter your name, mobile number, email ID, Aadhaar card number for new registration. Your OTP will come on the registered mobile number.

  • After verifying the OTP, all the information will be registered after confirming the correct information.

  • The username and password register will be sent to the email ID.

  • Log in with this username and password, and change the password. Now log in with the new password again. Here the page will have a list of all plans in Bihar. Applicants can select a suitable plan from the list.

  • Click on BSCC for Bihar Student Card Loan Scheme, to open the form.

  • The applicant has to fill in personal information, income information, college, and course. Also, fill in all the other information given in the form.

  • After submitting the form, a confirmation message will appear along with a PDF copy that can be downloaded and printed.

  • The form will be submitted to the District Registration and counseling centre, where the day and time of the visit will be informed by the centre over email.

  • The applicant shall go and submit the form and all the papers to the office on the specific day where the authorities will check the form and documents.

  • The applicant will get the acceptance slip, after which the applicant will have to wait for at least 15 days.

  • The bank will inform the district registration and counselling centre after passing the education loan and also issue a letter in 15 days. Confirmation messages from the bank will also be sent to the applicant's mobile.

  • Messages and emails will be sent to the applicant by the district registration and counselling centre. In the mail, they will be informed about the time and day of the visit to the centre, where they will be given the student credit card and the bank's confirmation letter.

  • After obtaining the student credit card and confirmation of the bank from the District Registration and Counselling Centre, they will be given a specific time to go to the bank. The remaining papers have to be deposited in the bank here.


 


Education Loan Information:

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