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7 Nishchay • MNSSBY Initiative

Don’t let finances limit your Education.

Get a Student Credit Card worth up to ₹4,00,000 for higher studies. Simple application, minimal documentation, and Bihar Government's trust.

1%

Interest for Girls

4%

Interest for Boys

Zero

Collateral Needed

Bihar Student Credit Card

Empowering 5 Lakh+ Students in 2026

Apply with 7 Nishchay
About MNSSBY Scheme

Education Without
Financial Borders

Launched by the Government of Bihar, the **Bihar Student Credit Card Scheme** is more than just a loan—it's a launchpad. We ensure that your economic background never dictates your academic reach.

₹4 Lakhs

Maximum loan limit for higher studies.

1% - 4%

Subsidized simple interest rates.

No Collateral

Zero security or guarantor needed.

Job Ready

Repayment starts after your placement.

Student Success

Key Features

Why Bihar Student Credit Card is a game changer for your higher education journey.

₹4 Lakh Limit

Cover your entire tuition fee, hostel charges, and books with a generous education loan limit.

Minimal Interest

Only 1% interest for Girls, Divyang & Transgender students and 4% for Boys.

Zero Collateral

No guarantor or property required — Bihar Government backs your loan.

Moratorium Period

Repayment starts one year after course completion or employment.

75+ Courses Covered

Engineering, Medical, Management, Polytechnic, Fashion & more.

Ready to Start?

Secure your future with Bihar Student Credit Card.

Eligibility & Coverage

Please review the following requirements carefully before starting your application.

General Requirements

1

Residency

Applicant must be a permanent resident of Bihar state.

2

Academic Background

Completion of Class 12 (Intermediate) with at least 60% aggregate marks.

3

Age Limit

Students must be between 17 and 25 years of age at the time of application.

4

Income Status

Total family annual income should not exceed ₹6,00,000.

Approved Course Categories

Engineering & Technology Degree/Diploma
Medical & Healthcare MBBS/Nursing/BDS
Management & Business BBA/MBA/PGDM
Professional Studies Law/Pharmacy/BCA
General Academics BA/B.Sc/B.Com

* Note: The scheme covers over 75+ vocational and technical courses recognized by the State/Central regulatory bodies.

How to Apply

Follow these simple steps to apply for the Bihar Student Credit Card Scheme smoothly.

1️⃣

Online Application

Fill the online application form on the official portal or through designated banks.

2️⃣

Document Verification

Submit required documents for verification at the bank or nodal agency.

3️⃣

Loan Disbursement

Once approved, funds are directly transferred to the educational institution.

Documents Required

Keep the following documents ready to ensure a smooth verification and admission process.

🪪

Identity & Residence Proof

  • Aadhaar Card
  • PAN Card
  • Bihar Domicile Certificate
  • Passport-size photographs
🎓

Academic & Income Proof

  • Class 10 & 12 mark sheets
  • Admission letter from college/university
  • Fee structure of the course
  • Income certificate of parents
  • Bank statements (if applicable)

Benefits of the Scheme

Explore the key advantages of the Bihar Student Credit Card Scheme for your higher education.

🎓

Access to Quality Education

Enables students to pursue higher education in reputed institutions without worrying about finances.

💼

Career Advancement

Higher education leads to better job opportunities and improved earning potential.

🏛️

Government Support

Backed by the Government of Bihar, ensuring reliability and long-term benefits.

⏰

Flexible Terms

Low interest and deferred repayment make it student-friendly.

🌍

National & International

Applicable for courses in India and select foreign universities.

🤝

No Hidden Costs

Transparent process with no additional charges or hidden fees.

Get in Touch

Need Help with
Your Application?

Our team is here to guide you through the DRCC process and documentation. Don't let a doubt stop your education.

Helpline

8317795774

Trusted Platform

Guiding Bihar Students Since 2019