The Bihar government has expanded its flagship Bihar Student Credit Card Scheme in 2025 to make higher education more accessible for youth across the state. This initiative empowers students from economically weaker backgrounds to pursue professional, technical, and academic courses without financial barriers.

Bihar Student Credit Card Scheme 2025

Bihar Student Credit Card Scheme 2025 is a cornerstone of Bihar’s youth empowerment strategy, enabling thousands of aspiring scholars—especially from economically weaker sections—to pursue professional, technical, and academic courses without the burden of upfront costs. With simplified application processes, broader course coverage, and increased loan limits, the scheme reflects the state’s commitment to building a skilled and educated workforce for a brighter future

Main Objectives of the Bihar Student Credit Card Scheme 2025

Here is main objectives of Bihar Student Credit Card Scheme 2025.

• Promote Higher Education Access
  Ensure that students from economically weaker backgrounds can pursue graduation, technical, and professional courses without financial constraints.
• Build a Skilled Workforce
  Support youth in acquiring qualifications that align with Bihar’s development goals and national employment trends.
• Reduce Dropout Rates
  Minimize the number of students abandoning education due to lack of funds, especially after Class 12.
• Provide Affordable Education Loans
  Offer low-interest, collateral-free loans with flexible repayment options to ease the financial burden on families.
• Encourage Digital & Technical Literacy
  Enable students to access modern education tools—like laptops, online courses, and vocational training—through loan coverage.
• Empower Rural & Semi-Urban Youth
  Extend educational opportunities beyond urban centers, targeting students in remote and underserved areas.
• Simplify Loan Access
  Streamline the application process through Aadhaar-based verification and online portals for faster approvals.

PMAY-U 2.0: Pradhan Mantri Awas Yojana (Urban) Scheme Online Apply

What’s New in the 2025 Expansion?

The scheme now covers:

• More courses: Including diploma, certificate, and skill-based programs
• Higher loan limit: Increased from ₹4 lakh to ₹5 lakh for select professional courses
• Simplified application: Faster online approval and Aadhaar-based verification
• Private institution inclusion: Select private colleges now eligible under the scheme

Eligibility Criteria for Bihar Student Credit Card Scheme 2025

• Educational Qualification: Must have passed Class 12 from a recognized board.
• Course Admission: Should be enrolled in a recognized institution offering higher education—UG, PG, diploma, technical, or professional courses.
• Approved Courses: Only UGC, AICTE, or government-approved programs are eligible (e.g., engineering, medical, management, polytechnic).
• Age Limit: Must be between 18 to 25 years at the time of application.
• Financial Need: No strict income cap, but financial need should be evident.
• Required Documents:

1. Aadhaar card
2. Residence certificate
3. Class 12 marksheet
4. Admission proof
5. Passport-size photo
6. Bank account details

How to Apply for Bihar Student Credit Card Scheme 2025

1. Visit the Official Portal

Go to the official website of the scheme:
www.7nishchay-yuvaupmission.bihar.gov.in
This is the central hub for all applications under the Mukhyamantri Nishchay Swayam Sahayata Bhata Yojana (MNSSBY).

2. Register as a New Applicant

• Click on “New Applicant Registration”.
• Fill in basic details: Name, mobile number, email ID, Aadhaar number, and create a password.
• Verify via OTP sent to your mobile/email.

3. Login and Select Scheme

• Use your registered credentials to log in.
• Choose “Student Credit Card Scheme” from the available options.

4. Fill the Application Form

• Enter personal details, educational background, and course information.
• Upload scanned copies of required documents:

• Aadhaar card
• Residence certificate
• Class 12 marksheet
• Admission proof
• Passport-size photo
• Bank account details

5. Submit the Application

• Review all details carefully.
• Submit the form online.
• Take a printout or screenshot of the acknowledgment for future reference.

6. Visit DRCC for Document Verification

• Within 60 days of online submission, visit your District Registration and Counseling Center (DRCC).
• Carry original documents for verification.
• DRCC will process your application and forward it to the bank.

7. Loan Approval & Disbursement

• After verification, the bank will assess your application.
• Once approved, the loan amount (up to ₹4 lakh) will be disbursed directly to your institution or as per the scheme guidelines

Key Benefits

• No collateral required
• Government guarantee-backed loan
• Encourages higher education in rural and semi-urban areas
• Supports students pursuing engineering, medical, law, management, and vocational courses

📞 Helpline & Support

• Toll-Free Number: 1800-345-6345
• Email: support@yuvaupmission.bihar.gov.in
• District-level facilitation centers available for offline assistance