Bihar Student Credit Card Scheme – Eligibility Criteria & Admission Guide

Education is the best weapon for constructing a better future, and Usha Martin University (UMU), Ranchi, believes in the same. In an effort to encourage students from Bihar to pursue higher education, UMU confidently provides admissions under the Bihar Student Credit Card Scheme (BSCCS)—a pioneering scheme of the Bihar Government.

No matter what your dream is—to be an engineer, a doctor, a journalist, a lawyer, or an entrepreneur—UMU welcomes you with open arms and the financial aid you deserve.

What is the Bihar Student Credit Card Scheme?

Initiated on October 2, 2016, the Bihar Student Credit Card Scheme is under the Mukhyamantri Nishchay Swayam SahayataBhata Yojana (MNSSBY). The scheme is aimed at providing financial help to Bihar students to pursue professional and higher education.

Under this scheme, students can take education loans up to ₹4 lakhs at a simple interest rate of merely 4% per annum—a significantly lower rate than bank loans.

Major Objectives of the Scheme

• To assist students from economically backward families in Bihar.
• To enhance higher education enrollment throughout the state.
• To discourage merit students from dropping out of school owing to financial constraints.
• To encourage skill-oriented and professional education among Bihar youth.

Eligibility Criteria to Apply?

To avail of this scheme at Usha Martin University, a student should:

• Be a resident of Bihar.
• Have passed Class 12th from a Bihar-recognized board.
• Be between 18 and 25 years.
• Be from a family with an annual income of less than ₹6 lakhs.
• Have obtained at least 50% marks in Class 12.
• Have obtained admission to a recognized course in UMU.

List of Courses Under the BSCC Scheme at Usha Martin University –

According to the MNSSBY-approved list, the following are the most popular courses offered by UMU under the Bihar Student Credit Card Scheme:

Undergraduate Courses:

• B.A.
• B.Sc. (including Agriculture and Nursing)
• B.Com
• B.C.A.
• Bachelor of Pharmacy (B.Pharm)
• Bachelor of Business Administration (B.B.A.)
• Bachelor of Physiotherapy (BPT)
• Bachelor of Journalism and Mass Communication (BJMC)
• BL/LLB & BA-LLB/BBA-LLB
• B.Tech in Civil, Mechanical, Computer Science, Electrical, or Mining Engineering

Postgraduate Courses:

• M.A.
• M.Sc.
• M.Com
• M.C.A.
• MBA and similar courses
• M.Sc./M.Tech. Integrated in Civil, Mechanical, and Computer Science

Diploma Courses:

• Diploma & Polytechnic Courses
• Diploma in Civil Engineering
• Diploma in Computer Science
• Diploma in Mechanical Engineering
• Diploma in Electrical and Electronics Engineering
• Polytechnic courses in various branches

Advantages of the Bihar Student Credit Card Scheme –

• Low Interest Rate: Just 4% simple interest annually, and even less for differently abled candidates and female students.
• No Collateral Needed: Unlike the vast majority of bank loans, no guarantor or security is required.
• Moratorium Period: You start repayment of the loan after one year of completion of your course or five years from the time of disbursement, whichever is earlier.
• Flexible Repayment Terms: It is done in 5–7 years, which is easy and tension-free.
• Easy Application and Support: Usha Martin University provides complete support to assist Bihar students in applying and going through the process without any ambiguity.

Documents Required for Application 2025 –

While applying for the Bihar Student Credit Card Scheme, prepare the following documents:

• Recent passport-sized photograph and signature
• Class 12th mark sheet
• Admission confirmation letter by UMU
• Fee structure of the selected course
• Bihar domicile certificate
• Family income certificate
• Aadhaar card/voter ID/PAN card
• Bank account information

Step-by-Step Application Process 2025 for Bihar Student Credit Card –

Visit the Official Portal.

• Go to the website of the Bihar Student Credit Card: https://www.7nishchay-yuvaupmission.bihar.gov.in

Access the MNSSBY Portal.

• Use the above link to open the official Mukhyamantri Nishchay Yojana page.

Register Yourself

• Click on “New Applicant Registration.”
• Fill in your name, mobile number, and email ID, and create a password.
• You’ll receive a registration ID on your mobile and email.

Log In

• Use your registration ID and password to log in to the portal.

Choose the Scheme

• Select “Bihar Student Credit Card Scheme” from the list.
• Fill in your personal, educational, and income details.
• Upload Documents
• Scan and upload documents as needed, such as
• Recent photo
• 12th-grade mark sheet
• Admission/offer letter
• Residential proof (Aadhaar/voter ID)
• Income certificate
• Bank details
• PAN or Aadhaar of the student

Submit Your Application

• Verify all the information and click “Submit.”
• Take a printout of the application for future reference.

Track Your Application

• Use your registration ID and password to track the status of your application on the same portal.

Why Choose Usha Martin University?

• Approved by UGC, AICTE, PCI, and other bodies
• High variety of career-driven and vocational courses
• Reasonable fee structure with easy payment options
• State-of-the-art infrastructure and educational facilities
• Special placement assistance for students
• Student-centric policies and assistance for scholarships and loans
• Special facility for Bihar students applying under BSCCS

The Bihar Student Credit Card Scheme is more than a loan—it’s an opportunity that transforms the lives of thousands of students in Bihar. Usha Martin University proudly stands as a supporter of this scheme through world-class education and complete support in the loan application and admission process.

If you’re a student from Bihar with big dreams but limited financial resources, UMU is your gateway to a better future. Don’t let money stop you—apply today and start your journey toward success!

For more information about BSCCS and admissions at UMU, visit www.umu.ac.in or call our admission helpline.