How The Bihar Student Credit Card Scheme is Reshaping Chaitanya International Business College (CIBC)
What is a Bihar Student Credit Card Scheme 2025?
The Bihar government has launched the Bihar Student Credit Card Scheme for the students of Bihar. In this scheme, the Bihar Government will give a maximum of Rs 4 lakhs to the students of Bihar. The Bihar Student Credit Card scheme is for those who are struggling financially but want to continue their study after the 12th.
Students who are interested in technical or management programs like BBA, BCA, BSc, IT, BBM, and PGDM but not able to pay their tuition fees due to a weak financial situation. So they leave their study after the 10th or 12th. The Bihar government wants to support them to continue their study. This was the purpose of the Bihar government to launch the Bihar Student Credit Card Scheme for financially weak students to continue their higher studies.
Benefits of The Bihar Student Credit Card Scheme 2025
Financial Empowerment: The actual goal of the Bihar Student Credit Card Scheme is to empower the students financially to pursue their higher studies. Bihar Student Credit Card Scheme is the medium to cover the various educational expenses of 12th passed-out students. With the help of the Bihar Student Credit Card, students can pay their educational expenses like tuition fees, examination fees, Laptop costs, Books, etc.
High-Interest Free Loans: The Bihar Government understands the financial situation of the students. So Bihar government focuses on providing low interest rates to make repayment manageable for students. It helps students to focus on their studies without the pressure of high – interest rates. Generally, the interest rate on a Bihar Student Credit Card is 4%. But the interest rate for females, handicapped, and Transgender is only 1%. But after higher education if you don’t get a job, no need to repay the Bihar Student Credit Card amount.
Flexible Repayment Period: In Bihar Student Credit Card scheme offers flexible repayment periods. The motive behind making the flexible repayment period is to have the freedom to complete their education and secure their career before commercing with repayments. A flexible repayment period makes the student’s financial pressure-free.
Coverage Of Diverse Courses: The best part of the Bihar Student Credit Card Scheme is that it is not limited to specific courses. Almost all courses are covered by the Bihar Student Credit Card Scheme. It allows students to choose the course based on their career goals.
Bihar Student Credit Card Scheme Eligibility Criteria 2025
The Bihar Government has designed the eligibility criteria for the Bihar Student Credit Card scheme in such a way that the maximum number of Bihar students can get the benefits of the Bihar Student Credit Card Scheme. Here is the list of Eligibility criteria for the Bihar Student Credit Card Scheme.
Resident Of Bihar:
The first and most important eligibility criteria for the Bihar Student Credit Card Scheme is the applicants must be residents of Bihar. It means that only those students can apply for the Bihar Student Credit Card whose birthplace is Bihar. Without these criteria, no one can qualify for the Bihar Student Credit Card scheme.
Educational Criteria:
The students who want to apply for the Bihar Student Credit Card must have a 12th pass from a recognized educational institute. If students have 10th passed out and have to get admission in Polytechnic, then also these students are eligible for the Bihar Student Credit Card Scheme.
Admission To Recognised Institutions:
As an applicant, the students have to confirm that they are getting admission to a recognized educational institution to be eligible for the Bihar Student Credit Card.
Only For Higher Education:
The Bihar Student Credit Card is only for those students who are interested in higher education. General courses, technical courses, and professional courses are covered in this Bihar Student Credit Card Scheme.
Documents Required For Bihar Student Credit Card 2025
Residence Proof:
Aadhar Card, voter ID, or passport are accepted as Bihar residency documents for the Bihar Student Credit Card.
Admission Confirmation:
Applicants have to provide admission confirmation documents from a recognized institute for a Bihar Student Credit Card.
Income Certificate:
To get a Bihar Student Credit Card, applicants have to show their family income documents to determine their eligibility. Such as Bank Statements for the last six months and tax receipts.
Email ID & Mobile No:
Email ID and Mobile number with OTP verification.
How To Apply For a Bihar Student Credit Card Scheme2025 ?
Step 1: Visit the official website for applying the Bihar Student Credit Card Scheme (https://www.7nishchay-yuvaupmission.bihar.gov.in/)
Step 2: On the main page of the official website, you will get the ‘New Applicant Registration’ option. Click on it to start registration for the Bihar Student Credit Card Scheme.
Step 3: Now new window will be opened. Here you have to enter your first name, middle name, last name, email ID, Aadhaar number, and mobile number to continue the Bihar Student Credit Card registration process.
Step 4: After entering all the details correctly, Click on the ‘Send OTP’ button.
Step 5: Check your mobile number and email ID for the OTP. Once you receive the OTP, enter the OTP that you have received on your email ID and mobile number. Now click on the ‘Submit’ button to complete the Bihar Student Credit Card registration process.
Step 6: Once the registration process for the Bihar Student Credit Card is completed, you will receive the login details via email and SMS.
Step 7: Now again go to the official website of MNSSBY and click on the login option.
Step 8: Now you have to Enter the username, password, and captcha details and click on the ‘Login’ button.
Step 9: Now You will have to change the password and complete the login process again with the new password.
Step 10: Here On the next page, your details must be entered.
Step 11: Now again click on the ‘Submit’ button.
Step 12: You have to choose the “Bihar Studnet Credit Card” option Under the ‘Select Scheme’ menu option.
Step 13: After selecting the Bihar Student Credit Card option, The applicant’s and the co-applicant’s details must be entered.
Step 14: Once the general and financial details have been entered, click on the ‘Submit ‘ button for final submission.
Step 15: After the final submission, You will receive further information via email.
Can Chaitanya International Business College Helps The Poor Students To Complete BBA/BCA Under Bihar Student Credit Card Scheme 2025?
Chaitanya Business College is one the best BBA and BCA College in Patna Gaya.It is our responsibility to help the weaker economic background students pursue their higher education at Chaitanya International Business College.
So Chaitanya International Business College supports the Bihar Student Credit Card Scheme. The Bihar Student Credit Card Scheme provides financial support to those students who are good at studying but due to weaker economic backgrounds can pursue their higher education.
Students after getting admission to BCA/BBA at Chaitanya International Business College Patna Gaya may apply under the Bihar Student Credit Card Scheme.
Under this scheme girls, transgender, and disabled students can get loans up to Rs 4 lakh at a 1% interest rate only. But other students have to pay a 4% interest rate on the same amount
Chaitanya College is doing a great job by joining this program. We help students who need it the most. This helps not only the students but also makes education fair for everyone.
FAQs Regarding Bihar Student Credit Card Scheme?
After getting BBA/BCA Admission at CIBC, under the Bihar Student Credit Card Scheme, you can use this card to pay your higher education fees. Under the Bihar Student Credit Card Scheme, you spend the available funds for purchasing laptops, uniforms, books, stationaries, hostel fees, etc.
The Bihar Government provides Bihar Student Credit Cards to weaker economic backgrounds students for pursuing their higher studies. In the Bihar Student Credit card scheme, The applicants get the maximum limit of Rs.4 Lakh on this card. It means students can spend up to Rs 4 Lakh only on educational expenses and accommodation.
If you are a new user, then you will have to apply for a Bihar Student Credit Card Scheme through the Bihar government’s official website. But if you want to get admission to BBA/BCA under the Bihar Student Credit Card Scheme, then Chaitanya International Business College can help you to get the Bihar Student Credit Card.
To check the status of your Bihar student Credit Card, you will have to log into your account on the MNSSBY portal. After logging in, you have to enter the application number mentioned on the acknowledgment slip received after the completion of the application process via Chaitanya Business College.
The students who are residents of Bihar and successfully passed their 12th grade.,can apply for the Bihar Student Credit Card Scheme. However, you can choose any technical or nontechnical course in this scheme. Here maximum age limit is 25 years for undergraduate students. So please keep this in mind.
Under the MNSSBY Bihar Student Credit Card Yojana, you will get a maximum amount of Rs.4 Lakhs as a loan for completing higher education.
It is not mandatory to show the income proof documents while opting for a Bihar Student Credit Card.
If you are enrolling in a bachelor’s program like BBA & BCA, then your age should not be more than 25 years. The maximum age limit is 30 years if you want to pursue for master’s degree.
Yes, you can buy a laptop for your studying with the help of a Bihar Student Credit Card. You can also use this card to purchase books and accommodation purposes.
Generally, a 4% simple interest rate is charged on Bihar Student Credit Card. But for girls, transgender people, and students with disabilities, the interest rate is only 1%
Yes, you can extend the moratorium period up to one year after completing the course.
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