Bihar Student Credit Card Scheme — Complete Overview

The Bihar Student Credit Card Scheme is a flagship programme introduced by the Bihar government to promote higher education among students in the state. Under this scheme, eligible students can avail themselves of an interest-free loan of up to Rs. 4 Lakh. The loan covers tuition fees, the cost of study materials such as books and laptops, and other necessary expenses related to education.

Key Features of the Scheme:

1. Loan Amount: Students can avail themselves of a loan of up to Rs. 4 Lakh.
2. Interest-Free Loan: The scheme offers loans without any interest, ensuring affordability for students and their families.
3. Eligibility: The scheme is available to students who are residents of Bihar and meet the educational and income criteria.
4. Approved Institutions: The loan is valid for courses pursued in institutions approved by the government of Bihar.

New 2026 Updates:

• The scheme now extends the interest-free loan benefit to male students as well, ensuring equal opportunities for all genders.
• Students studying outside Bihar can also apply, provided they meet the domicile and other eligibility requirements.

Pro Tip: If you are planning to apply, check the list of approved colleges and courses on the MNSSBY portal to ensure your eligibility.
 

Applying for the Bihar Student Credit Card Scheme is a straightforward process through the MNSSBY portal. Follow these steps to complete your application:

1. Visit the MNSSBY Official Website: Go to the official Mukhyamantri Nishchay Swayam Sahayata Bhatta Yojana (MNSSBY) portal.
2. Log In or Register: Use your registered mobile number or email ID to log in. If you are a new user, create an account by providing your details.
3. Verify Your Identity: Enter the OTP sent to your registered mobile number or email.
4. Navigate to the Student Credit Card Section: Click on the ‘Bihar Student Credit Card’ option.
5. Fill Out the Application Form: Provide accurate details about your personal information, educational qualifications, and family income.
6. Upload Required Documents: Attach scanned copies of the necessary documents (see the checklist below).
7. Submit the Application: Review your application and submit it. You can track the status of your application online or via SMS updates.

Pro Tip: Ensure that your details match the information in your documents to avoid delays in the verification process.

To successfully apply for the Bihar Student Credit Card Scheme, you need to submit the following documents:

1. Proof of Student Status: Admission letter or school/college ID card.
2. Domicile Certificate: Proof that you are a resident of Bihar.
3. Parent/Guardian Income Certificate: To verify financial eligibility.
4. Aadhaar and PAN Card: For both the student and the parent/guardian.
5. Course Fee Structure: Issued by the educational institution.

Pro Tip: Keep both hard and soft copies of your documents ready to avoid last-minute hassle during the application process.