Study with the Bihar Student Credit Card Yojana
Are you a student from Bihar who passed Class 12th? Get an education loan of up to ₹4 Lakh at just 4% interest — with no guarantor needed. We guide you through the entire process, free of cost.
₹4 Lakh
Maximum Loan
4%
Simple Interest
₹0
Collateral / Guarantor
25 yrs
Max Age Limit
What is the Bihar Student Credit Card?
Launched by the Government of Bihar under the Saat Nishchay (Seven Resolves) programme, this scheme helps students from Bihar pursue higher education without worrying about finances.
Many talented students drop their dreams of higher studies because of money. The Bihar Student Credit Card Yojana removes that barrier by offering a low-interest education loan that the state government guarantees — so no bank rejection and no property to mortgage.
Key Benefits
Loan up to ₹4 Lakh
Financial support of up to ₹4,00,000 to cover tuition, hostel, books and other study costs.
Just 4% Interest
Simple interest of 4% per year — only 1% for female, transgender and differently-abled students.
No Collateral Needed
The Bihar Government acts as guarantor, so no property or guarantor is required from your family.
Covers Most Courses
Valid for graduation, polytechnic, diploma and professional courses across India.
Who Can Apply (Eligibility)
- You must be a permanent resident of Bihar.
- You must have passed Class 12th (Intermediate) from a recognised Bihar board or institution.
- Your age should generally be 25 years or below at the time of applying.
- You must have secured admission in a recognised college or university.
Documents Required
- Aadhaar Card of student and co-applicant (parents/guardian)
- Class 10th & 12th mark sheets and certificates
- Proof of admission / college allotment letter
- Residential (domicile) certificate of Bihar
- Bank account details (student & co-applicant)
- Recent passport-size photographs
- Fee structure of the course / college
How to Apply
The process is simple — and we help you with every step so nothing goes wrong.
Register Online
Apply on the official 7 Nishchay Yuva portal and fill the Student Credit Card form.
Visit DRCC
Submit your documents at your District Registration cum Counselling Centre (DRCC).
Verification
Your documents and admission details are verified by the authorities.
Loan Sanctioned
Once approved, the loan amount is paid directly towards your education.
Note: Apply through the official Bihar Government portal (7nishchay-yuvaupmission.bihar.gov.in). Scheme terms such as loan amount and interest rate are set by the government and may change — our counsellors will confirm the latest details for you.
Universities Available via DRCC
Take admission in these partner universities using your Bihar Student Credit Card. We help you choose and apply.
Desh Bhagat
Mandi Gobindgarh, Punjab
Diverse programs across many faculties. Desh Bhagat University is a private university in Punjab offering courses across hotel management, agriculture, engineering, management, law and performing arts.
IIMT University
Meerut, Uttar Pradesh
Industry-oriented education in NCR region. IIMT University, Meerut offers professional UG and PG programs in engineering, management, law, pharmacy and computer applications with a focus on employability.
MGM Patna
Patna, Bihar
Popular choice for Bihar students. A well-known institution in Patna offering professional courses, and a popular option for students applying through the Bihar Student Credit Card scheme.
Tula's Institute
Dehradun, Uttarakhand
Reputed engineering & management institute. Tula's Institute, Dehradun is known for its engineering, management and computer application programs, with strong placement and a scenic campus.
GNIOT
Greater Noida, Uttar Pradesh
Established institute in the NCR. GNIOT offers AICTE-approved programs in engineering, management and computer applications, with good industry connections in the Delhi-NCR region.
NIU
Greater Noida, Uttar Pradesh
Multidisciplinary university near Delhi. Noida International University is a private multidisciplinary university offering programs across engineering, medical, management, law and sciences.
PP Savani
Surat, Gujarat
Modern campus with diverse programs. PP Savani University, Surat offers contemporary UG and PG programs across engineering, science, management, design and commerce.
Marwadi University
Rajkot, Gujarat
NAAC A+ accredited university. Marwadi University, Rajkot is a well-regarded private university with strong programs in engineering, management, computer applications and sciences.
MMU Haryana
Mullana, Ambala, Haryana
Reputed for medical & engineering. Maharishi Markandeshwar University (Mullana) is known for its medical, dental, engineering and management programs with a large residential campus.
ITM Gwalior
Gwalior, Madhya Pradesh
Multidisciplinary university in MP. ITM University, Gwalior offers a broad range of programs across engineering, management, agriculture, law, nursing and aviation.
Mangalmay
Greater Noida, Uttar Pradesh
Management & technology institute. Mangalmay Group of Institutions, Greater Noida offers management, computer application and technology programs with a focus on practical learning.
GB Institute
Greater Noida, Uttar Pradesh
Engineering & technology programs. GB Institute of Technology offers AICTE-approved engineering and computer application programs with a focus on skill-based education.
Sandip University
Nashik, Maharashtra
Multidisciplinary private university. Sandip University, Nashik provides UG and PG programs across engineering, pharmacy, management, science and nursing with modern infrastructure.
Ganpat University
Mehsana, Gujarat
Established university with strong placements. Ganpat University, Gujarat is a reputed private university offering programs in engineering, pharmacy, management, computer science and design.
Guru Kashi
Talwandi Sabo, Bathinda, Punjab
Diverse UG & PG programs. Guru Kashi University offers a wide range of programs across agriculture, engineering, management, education and sciences in Punjab.
Mangalyatan
Aligarh, Uttar Pradesh
Multidisciplinary university in UP. Mangalyatan University, Aligarh offers programs across engineering, management, journalism, fine arts, nursing and sciences.
Helping Students from Every District of Bihar
From Patna to Purnia, Colleges Compass helps students across all districts of Bihar secure college admission using the Bihar Student Credit Card.
Bihar Student Credit Card — Frequently Asked Questions
Everything Bihar students ask about the Student Credit Card Yojana, eligibility and admission.
What is the Bihar Student Credit Card Yojana?
The Bihar Student Credit Card Yojana is a Government of Bihar scheme (under Saat Nishchay) that gives students who passed Class 12th from Bihar an education loan of up to ₹4 lakh at just 4% simple interest, with the state government acting as guarantor.
How much loan can I get under the Bihar Student Credit Card?
You can get an education loan of up to ₹4,00,000 (₹4 lakh) to cover tuition fees, hostel, books and other study-related expenses.
What is the interest rate on the Bihar Student Credit Card?
The interest rate is 4% simple interest per year. For female, transgender and differently-abled (divyang) students, it is only 1%.
Which colleges and universities accept the Bihar Student Credit Card?
Many private universities across India accept the Bihar Student Credit Card through DRCC — including VGU Jaipur, Jagannath University, Jaipur National University, Marwadi University, Sandip University, IIMT University and many more. Contact us for the full updated list and to check your course.
Who is eligible for the Bihar Student Credit Card?
You must be a permanent resident of Bihar, have passed Class 12th (Intermediate) from a recognised board, be generally 25 years or younger, and have secured admission in a recognised college or university.
What documents are required for the Bihar Student Credit Card?
You need your Aadhaar card (student and co-applicant), Class 10th & 12th mark sheets, admission/allotment proof, Bihar residential (domicile) certificate, bank account details, passport photos and the course fee structure.
How do I apply for the Bihar Student Credit Card online?
Register on the official 7 Nishchay Yuva portal (7nishchay-yuvaupmission.bihar.gov.in), fill the Student Credit Card form, then submit your documents at your nearest DRCC (District Registration cum Counselling Centre). Colleges Compass guides you through every step for free.
Can I use the Bihar Student Credit Card for colleges outside Bihar?
Yes. The loan can be used for recognised graduation, polytechnic, diploma and professional courses across India — not just within Bihar.
Is a guarantor or collateral needed for the Bihar Student Credit Card?
No. The Bihar Government acts as the guarantor, so no property, collateral or third-party guarantor is required from your family.
We Make the Whole Process Easy
- Check your eligibility for the scheme in minutes
- Help you choose the right college & course
- Assist with online registration & DRCC documents
- Guide you until your loan is sanctioned
💡 100% free guidance — we never charge students for counselling.
Apply with Free Guidance
Fill the form and our Bihar education experts will call you.