Bihar Student Credit Card
Study now, pay later. Get an education loan of up to ₹4,00,000 — and let our team handle the entire application for you, free of cost.
Loan up to ₹4,00,000 • Zero application charges • Full support from our experts
Check My EligibilityKey Benefits
Loan up to ₹4 Lakh
Financial assistance up to ₹4,00,000 for higher education after 12th.
No Guarantor Needed
Government-backed scheme — no family collateral or outside guarantor required.
Covers All Expenses
Tuition fee, hostel, books, laptop, exam fee and other study costs.
Repay After Course
Comfortable repayment that begins after your education is complete.
Eligibility
- ✔Applicant must be a permanent resident of Bihar.
- ✔Must have passed 12th (Intermediate) from a recognised board.
- ✔Age should generally be 25 years or below.
- ✔Admission taken in a recognised institution / course.
* Exact criteria are decided by the Government of Bihar and may be updated from time to time.
Documents Required
- 📄10th & 12th Marksheet + Certificate
- 📄Admission / Allotment letter of the college
- 📄Aadhar Card & PAN Card
- 📄Residence (Domicile) Certificate of Bihar
- 📄Income Certificate
- 📄Bank Passbook of student & co-applicant
- 📄Passport-size Photographs
- 📄Mobile Number & Email ID
How We Help You Apply
Eligibility Check
We verify your documents and confirm you qualify.
Online Registration
We register you on the official BSCC / e-Kalyan portal.
Document Upload
We prepare and submit all required documents correctly.
Verification & Approval
We coordinate with the DRCC office until your loan is sanctioned.
Frequently Asked Questions
How much loan can I get?＋
Under the Bihar Student Credit Card scheme, eligible students can get an education loan of up to ₹4,00,000 for higher studies.
Do I have to repay during my course?＋
No. Repayment generally begins after the completion of your course, giving you time to settle into a job first.
Which courses are covered?＋
Most recognised higher-education courses — engineering, medical, nursing, polytechnic, graduation, ITI and more are covered.
How does Admission Guru help?＋
We provide 100% free guidance — eligibility check, document preparation, online application and follow-up with the DRCC office until approval.
Apply for Your Student Credit Card Today
Don't let money stop your education. Our team will guide you through every step — free of cost.
Official portal: 7 Nishchay — e-Kalyan / DRCC, Government of Bihar. We are an independent education consultancy assisting students with the application.