Bihar Student Credit Card (BSCC)
Government education loan up to ₹4 Lakhs for GNM & B.Sc. Nursing at S.T. College of Health Education.
Bihar Government Initiative (MNSSBY)
Bihar Student Credit Card Scheme : Eligibility and Admission Procedure
The Bihar Student Credit Card Scheme is a significant educational loan initiative launched by the Bihar Government under the Mukhyamantri Nishchay Swayam Sahayata Bhatta Yojana (MNSSBY). Here are the key details, eligibility conditions, and application procedures.
S.T. College of Health Education
Courses Covered Under BSCC at S.T. College
| Course Name | Duration | Annual Intake | Recognition | BSCC Loan Support | Eligibility Criteria |
|---|---|---|---|---|---|
| General Nursing Midwifery (GNM)Diploma Course | 3 Years | 60 Seats | BUHS & BNRC | Up to ₹4,00,000 | Passed 10+2 with English and minimum 40% aggregate marks from any recognized board (Science/Arts/Commerce). Must be a permanent resident of Bihar. |
| Bachelor of Science in Nursing (B.Sc. Nursing)Degree Course | 4 Years | 60 Seats | BUHS & BNRC | Up to ₹4,00,000 | Passed 10+2 with Science (Physics, Chemistry, Biology) and English with minimum 45% aggregate marks from a recognized board. Must be a permanent resident of Bihar. |
Key Details
Overview of Bihar Student Credit Card Scheme
| Parameter | Scheme Description |
|---|---|
| Launch Date | Gandhi Jayanti, October 2, 2016 |
| Purpose | To provide financial support to students from economically weaker sections for pursuing higher education like Bachelor courses (B.A., B.Sc., B.Com) including professional courses like medical, nursing, engineering, and MBA. |
| Governing Scheme | Mukhyamantri Nishchay Swayam Sahayata Bhatta Yojana (MNSSBY) |
| Maximum Loan Amount | Up to INR 4,00,000 (Four Lakhs) |
| General Interest Rate | 4% Simple Interest per annum |
| Concessional Rates | Available for specific groups such as females, people with disabilities (PwD), and other marginalized categories (1% Simple Interest) |
| Accessibility & Inclusivity | Aims to make higher education accessible to financially deprived students, providing a robust financial backbone and promoting educational advancement in the state. |
| Application Process | Typically involves applying through designated online portal (MNSSBY) and government offices (DRCC) with necessary documentation. |
| Repayment Terms | Generally favourable, with options tailored to the financial capabilities of the beneficiaries. |
Objectives of Bihar Student Credit Card Yojana
| S.No. | Key Objective |
|---|---|
| 1 | To provide financial assistance or student credit card in Bihar to students from financially weaker sections to complete higher studies. |
| 2 | To increase admissions in higher education institutes located in Bihar thereby overall increasing in enrolment ratio. |
| 3 | For barring students from discontinuing education in the absence of adequate funds. |
| 4 | To circulate educational loan schemes with a minimum rate of interest. |
Features and Benefits
| Feature | Benefit Specification |
|---|---|
| Simple Interest Rate | The interest rate is 4% simple interest p.a unlike educational loans by banks which charge 6-14% interest. |
| No Collateral | Students who avail this loan scheme do not have to provide any collateral security. |
| Moratorium Period | Repayment of loan is generally initiated only after completion of 1 year of education/course program or after 5 years of loan disbursement whichever is earlier. |
| Longer Repayment Tenure | Students get 5-7 years to repay the loan sanctioned after the moratorium period. |
| Loan Amount | Eligible students can get a loan up to Rs. 4 lakhs for pursuing higher education. |
Bihar Student Credit Card Eligibility Criteria
| Criteria | Prescribed Rule |
|---|---|
| Domicile | He/She must be a resident of Bihar state. |
| Academic Qualification | He/she must have completed the 12th standard from Bihar. |
| Age Limit | The age of the applicant should be at least 18 years and a maximum of 25 years. |
| Family Income | Annual family income should not exceed Rs. 6 lakhs. |
| Minimum Qualifying Marks | Students should have scored at least 50% marks in the Class 12th exam. |
| Institution Approval | Admission to an educational institution approved by the regulatory authority. |
Bihar Student Credit Card Documents Required
| S.No. | Required Document | Description |
|---|---|---|
| 1 | Photograph & Signature | Recent passport size photo and signature of student & parent |
| 2 | Class 12th Mark Sheet | Passing certificate and mark sheet of 10+2 / Intermediate |
| 3 | Admission Letter | Admission confirmation letter from S.T. College of Health Education |
| 4 | Fee Structure Details | Fee schedule issued by the college for GNM or B.Sc. Nursing |
| 5 | Domicile / ID Proof | Residential certificate of Bihar / Aadhaar card / Voter ID |
| 6 | Family Income Certificate | Annual income certificate issued by competent authority |
| 7 | Bank Account Details | Passbook copy / cancelled cheque of applicants savings account |
Online Registration & Procedure
Step-by-Step Application Process for Bihar Student Credit Card Apply
This online application process is designed to be user-friendly and accessible, ensuring that eligible students can easily apply for and benefit from the Bihar Student Credit Card Scheme:
| Step | Process Stage | Detailed Action / Instructions |
|---|---|---|
| 1 | Visit Official Portal | Visit the official portal of Bihar student credit card website: https://www.7nishchay-yuvaupmission.bihar.gov.in/ (MNSSBY official portal). |
| 2 | Register as a New User | Click on the New Applicant Registration link. Fill in required details such as your name, email ID, mobile number, and create a password. |
| 3 | Receive Credentials | Submit the registration form to receive a registration ID and password on your registered email and mobile number. |
| 4 | Log In to Your Account | Use your registration ID and password to log in to the MNSSBY portal. |
| 5 | Fill Application Form | Select the Bihar Student Credit Card Scheme from the available schemes. Complete the online application form with the necessary personal, educational, and financial details. Ensure you provide accurate information and double-check all entries before proceeding. Select S.T. College of Health Education with GNM or B.Sc. Nursing. |
| 6 | Upload Required Documents | Scan and upload required documents: Recent passport-sized photograph, 12th-grade mark sheet, Admission letter / offer letter from college, Residential proof (Aadhaar card, voter ID), Income certificate of parents/guardians, Bank account details, PAN card or Aadhaar card of applicant. |
| 7 | Submit Application & Print | Review the filled application form and uploaded documents. Click on the Submit button to complete the application process. After submitting the form, take a printout of the application form for future reference. |
| 8 | Application Tracking | You can track the status of your application through the MNSSBY portal using your registration ID and password. |
| 9 | DRCC Verification | The submitted application and documents will be physically verified by the authorities at the District Registration and Counselling Centre (DRCC). You may be contacted for further information or clarification if needed. |
| 10 | Approval & Disbursement | Once verified, the loan approval process will begin, and you will be notified of the approval status. Upon approval, the loan amount will be disbursed to the designated bank account. |
Official Government Coverage
Bihar Student Credit Card Course List
Below is the official list of courses eligible for the Bihar Student Credit Card Scheme. At S.T. College of Health Education, BSCC loan is provided for General Nursing Midwifery (GNM) and B.Sc. (Nursing):
| S.No. | Course Name | Discipline / Category | Duration | S.T. College Availability |
|---|---|---|---|---|
| 1 | General Nursing Midwifery (GNM)S.T. College Course | Nursing / Paramedical | 3 Years | Yes (BSCC Available) |
| 2 | B.Sc. (Nursing)S.T. College Course | Nursing / Undergraduate | 4 Years | Yes (BSCC Available) |
| 3 | B.A. / B.Sc. / B. Com. (All subjects) | General Degree | 3 Years | No |
| 4 | B.Tech / B.E. (All branches) | Engineering | 4 Years | No |
| 5 | B.C.A. | Computer Applications | 3 Years | No |
| 6 | M.C.A. | Computer Applications | 2-3 Years | No |
| 7 | M.B.B.S. | Medical | 5.5 Years | No |
| 8 | B.Sc. (Agriculture) | Agriculture | 4 Years | No |
| 9 | B.Sc. (Library Science) | Library Science | 3 Years | No |
| 10 | B.Sc. in Fashion | Design / Fashion | 3 Years | No |
Official Guidance For Bihar Student credit Card
List of all 38 District Registration and Counselling Centres (DRCC) across Bihar:
| Sr. No. | Manager | District | Mobile | Address Of DRCC |
|---|---|---|---|---|
| 1 | Gajendra Kumar | Drcc Araria | 7903233798 | Campus of Sadar Prakhand karyalaya, Post Araria, Pincode: 854311 |
| 2 | Garima | Drcc Arwal | 7739639697 | Pipra Bangla, Arwal, Post Shahpur, Pincode: 804401 |
| 3 | Sneha Kumari | Drcc Aurangabad | 9939502331 | Next to Town Inter School, Shahpur, Old G.T.Road, Aurangabad, Pincode: 824101 |
| 4 | Rajnish Raj | Drcc Banka | 9899175409 | Banka Samarhalaya Parisar, Dabutola, Banka, Pincode: 813102 |
| 5 | Babu Sarvjeet Akela | Drcc Begusarai | 9852017757 | Sadar Prakhand Parisar, Begusarai, Pincode: 851218 |
| 6 | Ravi Ranjan Kumar | Drcc Bhagalpur | 8709104442 | Government Polytechnic College, In front of Kanchangarh, Pincode: 812001 |
| 7 | Ravi Shankar Prasad | Drcc Bhojpur | 9934070190 | Dhanpura, Opposite DAV school Ara, Pincode: 802301 |
| 8 | Sunita Singh | Drcc Buxar | 8002655944 | ITI Campus, Ward Number 13, Pincode: 802101 |
| 9 | Vikas Kumar | Drcc Darbhanga | 06272247018 | Kadirabad Bus Stand (Next to Government Polytechnic College), Post Lalbagh, Pincode: 846004 |
| 10 | Satyendra Kumar | Drcc Gaya | 9955645336 | State Polytechnic, Gaya Bodhgaya Road,Kendui, Pincode: 824231 |
| 11 | - | Drcc Gopalganj | - | Sasdila, Near Panchayat Bhawan, Post: Gopalganj, Pincode: 841428 |
| 12 | Binay Shankar | Drcc Jamui | 7261054576 | Dhadhaur, Sikandara, Post Itasagar |
| 13 | Kavita Kumari | Drcc Jehanabad | 9934679183 | Kako Road,Near Jehanabad bus stand, Pin-804408 |
| 14 | Md. Akhatar Ali | Drcc Kaimur | 8002591927 | Gram Dumdum, Prakhand Bhabhua Kaimur, Pincode: 821101 |
| 15 | Amarjeet Kumar Vishwasi | Drcc Katihar | 8864020100 | Sadar Prakhand Karyalaya, Mirchabadai,Katihar, Pincode: 854109 |
| 16 | Shyam Sundar Kumar | Drcc Khagaria | 7903092321 | Jila Krishi Karyalaya Campus, Post Khagaria, Pincode: 851204 |
| 17 | Raj Kishor | Drcc Kishanganj | 8709497107 | Block Campus (Prakhand Parisar), Kishanganj, Pincode: 855108 |
| 18 | Sanjay Kumar | Drcc Lakhisarai | 8210903244 | Near Mahisona Panchayat Bhawan, Lakhisarai, Pincode: 811315 |
| 19 | Shailesh Kumar Pandey | Drcc Madhepura | 9955424051 | Behind Sadar Anchal Karyalaya Madhepura, Pincode: 852113 |
| 20 | Akhilesh Kumar Bharti | Drcc Madhubani | 8407870135 | Mitholi, Post Madhubani, Pincode: 847211 |
| 21 | Sunira Prasad | Drcc Munger | 9113305561 | Sujawalpur, Sadar Prakhand Parisar, Munger, Pincode: 811201 |
| 22 | Manoj Kumar Pradhaan | Drcc Muzaffarpur | 9431273541 | Behind Nehru Stadium, Sikandarpur, Pincode: 842001 |
| 23 | Kalpana Kumari Prasad | Drcc Nalanda | 7762892556 | Sipah More, Aadarsh Thana,Deep Nagar ke Pichhe, Deep Nagar, Biharsharif Bihar-803101 |
| 24 | Sumedha Rani | Drcc Nawada | 9308661190 | Near Budhaul Bus Stand, Budhaul, Post-Nawada, Pincode-805110 |
| 25 | Prem Prakesh Dewakar | Drcc Pashchim Champaran | 9709449771 | Areraj Road, Bettiah, ITI Training Center, Near Jaiprakash Nagar, Pincode: 845438 |
| 26 | Kumari Poonam Pal | Drcc Patna | 06122508008 | Chajijubag, In Front of Bihar State Cooperative Federation, Pincode: 800001 |
| 27 | Chandan Kumar | Drcc Purbi Champaran | 9934633195 | Near Polytechnic College Motihari, Panchayat Lutaha, Post Motihari, Pincode: 845401 |
| 28 | Pankaj | Drcc Purnia | 9471867656 | Fire Brigade Centre, Near Maranga, Post Purnia, Pincode: 854301 |
| 29 | Indu Chakrawarty | Drcc Rohtas | 9508648676 | Mokar, Sasaram In Aara- Patna road Pin code- 821113 |
| 30 | Rajeev Ranjan | Drcc Saharsa | 9341575199 | Next to Rajkiya Kanya Vidhyalaya, Pincode: 852201 |
| 31 | Sandhya Kumari | Drcc Samastipur | 7631851992 | 3 km from District Magistrate office, Sadar Prakhand, Near Samstipur, Samstipur Rosada Road, Pincode: 848101 |
| 32 | Leena Kumari | Drcc Saran | 9939273911 | Ratanpura, Bidtoliya Road, Chapra, Saran, Pincode: 841301 |
| 33 | Navin Bhaskar Choudhary | Drcc Sheikhpura | 9123410614 | South of Navodaya Vidyalaya, Sheikhpura, Pincode: 811105 |
| 34 | Satish Kumar | Drcc Sheohar | 8709373092 | Block Campus, Sheohar, Pincode: 843329 |
| 35 | Kushwaha Kumar Amalendu | Drcc Sitamarhi | 9934900747 | ITI Campus, Shanti Nagar, Sitamarhi, Post Dumrah, Pincode: 843301 |
| 36 | Bhaskar | Drcc Siwan | 9304565382 | Mahadeva J.B.R. Vidyalaya (Mahila Prashikshan Kendra), Siwan, Pincode: 841226 |
| 37 | Shailesh Kumar | Drcc Supaul | 9798291295 | ITI Campus Supaul, Pincode: 847452 |
| 38 | Roshan Ara | Drcc Vaishali | 7909075628 | Harvanshpur, Konhara Ghat, Gandhi Setu Main Road, Pincode: 844101 |
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