B.Tech Admission Made Easy with Bihar Student Credit Card Scheme

Introduction: Making BTech Dreams Possible for Bihar Students –

For many students in Bihar, pursuing a BTech degree (Bachelor of Engineering) has traditionally been a dream challenged by financial constraints and limited access to quality education. The high cost of tuition, books, accommodation, and other related expenses often stands as a barrier for talented students from modest backgrounds. Despite their potential and ambition, these students may find it difficult to secure the necessary resources to enroll in reputed engineering programs.

Recognizing these challenges, the Bihar government introduced the Bihar Student Credit Card Scheme, a transformative initiative designed to remove financial obstacles and empower students to pursue professional courses. This scheme provides accessible education loans at low interest rates, covering not just tuition fees but also essential academic expenses. As a result, deserving students can now focus on their studies and career goals without the constant worry of financial limitations.

Institutions like Usha Martin University (UMU), the top btech college in Jharkhand, have further opened doors for Bihar’s youth by offering quality BTech courses, robust academic support, and industry-oriented training. The combination of state-backed financial assistance and university-driven opportunities ensures that engineering aspirants from Bihar can confidently embark on their educational journey, turning aspirations into achievements and building a brighter future for themselves and their communities.

What is the Bihar Student Credit Card Scheme?

The Bihar Student Credit Card Scheme (BSCCS) is a flagship initiative by the Government of Bihar, aimed at enabling students from the state to pursue higher education without financial barriers. Launched on October 2, 2016, the scheme provides educational loans at minimal interest rates to students who have completed their 12th standard and wish to enroll in undergraduate or professional courses.

Usha Martin University, in association with the Bihar Student Credit Card Scheme, provides the students of Bihar with an opportunity to turn their dreams into reality without any financial hurdles getting in the way. Students of Bihar can apply for undergraduate, postgraduate, and diploma courses with confidence. Students who are eligible (native of Bihar) can avail education loans of up to Rs 4 lakhs at an economical interest rate of 4% per annum. The loan includes tuition fees, study materials, and other expenses related to academics.

Key Benefits of the Scheme for BTech Aspirants –

• Eligible students can avail loans up to Rs 4 lakhs at a 4% interest rate. It covers tuition fees, books, laptops, hostel charges, and other academic expenses essential for a btech degree.
• Repayment begins only after btech course completion and upon securing employment, reducing the financial burden during the study period.
• The loan is government-backed, so students and their families are not required to provide collateral or third-party guarantees.
• The loan can be used for a wide range of expenses, including tuition, books, laptops, hostel or rented accommodation, and other costs associated with BTech studies.
• The scheme is open to all residents of Bihar who have passed 12th standard and secured admission in authorized institutions, ensuring broad access to aspiring engineers.

Have any queries related to our courses? Visit our website https://www.umu.ac.in/ to raise your questions. Our team is here to provide solutions, guide you through the admission process, and assist you with any course-related inquiries.

Why Choose Usha Martin University for BTech?

• UMU offers BTech courses in multiple streams, including Computer Science, Mechanical, Mining, Civil, and Electrical and Electronics, catering to diverse interest and career ambitions.
• The curriculum is designed in collaboration with industry experts, focusing on both theoretical foundations and practical skills. Students gain hands-on experience through labs, workshops, and real-world projects, ensuring they are job-ready upon graduation.
• The university boasts a robust placement cell, with top recruiters recruiting students during the campus placement drives.
• UMU features state-of-the-art laboratories, workshops, and experienced faculty who mentor and inspire students, ensuring a high-quality learning environment.

BTech Admission Process at Usha Martin University—

The admission process for a Bachelor of Engineering at Usha Martin University is straightforward. The students who have cleared their 12th from a recognized board with 45% marks can only apply. The university accepts both online and offline applications from students. The application process includes filling out an application form, submitting necessary documents, and paying an application fee.

The entire process of online application is done through the official website, and for offline applications, students collect the form from the university campus, fill it out, and send it along with Xerox copies of necessary documents and a DD of the application fee through courier or registered post to the university.

The admission for the BTech degree is based on the scores of the entrance exam and the scores of the personal interview. The students who are selected receive the admission offer. Once they receive the admission offer, they need to pay the prescribed fee and complete the joining process.

How to Apply for the Bihar Student Credit Card Scheme at UMU?

• First, obtain admission to your chosen btech course at Usha Martin University. You will need the admission letter and fee structure as part of your loan application.
• Visit the official portal: www.7nishchay-yuvaupmission.bihar.gov.in
• Click on “New Application Registration.”
• Enter your name (as per 10th board), email ID, and mobile number.
• Verify your registration using the OTP sent to your email and mobile.
• After successful registration, you will receive a username and password via email/SMS. Log in to the portal and set a new password.
• Select “Bihar Student Credit Card” from the scheme dropdown.
• Enter all required personal, academic, and co-applicant (usually a parent/guardian) details.
• Provide information about your admission to UMU, including course details and fee structure.
• Upload the necessary documents like the admission letter from UMU, the fee structure, 10th and 12th mark sheets and certificates, and PAN and Aadhaar cards of the applicant and co-applicant. Proof of residence (ID/Passport/Voter ID/driving license), recent passport-size photographs, income certificate/Form 16 of last year, last two years’ income tax returns, last 6 months’ bank statement, and any scholarship letters (if applicable).
• Review all details carefully. Once submitted, you cannot edit the application.
• Download or print the acknowledgement PDF for your records.
• You will receive an appointment date via SMS/email.
• Visit the DRCC with self-attested copies of all documents for verification and biometric authentication.
• After verification, your application is forwarded to the bank.
• Upon approval, you will receive the sanction letter and Student Credit Card.
• Complete documentation at the bank to enable disbursement of the loan directly to UMU or as per approved expenses.

Conclusion: Your Pathway to a Bright Engineering Future –

Choosing a BTech degree at Usha Martin University, which is the top btech college in Jharkhand, supported by the Bihar Student Credit Card Scheme, sets you firmly on the path to a bright engineering future. UMU’s industry-driven curriculum, hands-on learning, and modern infrastructure ensure students graduate with both theoretical knowledge and practical skills demanded by today’s employers. Whether students pursue Mechanical, Electrical & Electronics, Civil, Computer Science, or Mining, the university’s strong placement cell and industry tie-ups open doors to diverse career opportunities and competitive salary packages.

The Bihar Student Credit Card Scheme removes financial barriers, making quality technical education accessible to talented students across the state. With flexible loan repayment and comprehensive coverage of academic expenses, you can focus on building expertise and confidence throughout your studies.

Kickstart your engineering career with UMU’s industry-aligned BTech programs in Computer Science, Mechanical, Mining, Civil, and Electrical and Electronics. Affordable fees with easy financing options including Bihar Student Credit Card Scheme. Apply now and secure your seat for a bright engineering future!

Frequently Asked Questions (FAQs) –

How can I apply for BTech admission at Usha Martin University?

You can apply online through the UMU official website or offline by submitting a filled application form along with required documents and the application fee.

Does UMU accept the Bihar Student Credit Card Scheme for fee payment?

Yes, students admitted to UMU can avail the Bihar Student Credit Card Scheme to finance their BTech education, covering tuition fees and other academic expenses.

What specializations are offered in BTech at UMU?

UMU offers BTech in Computer Science, Civil, Mechanical, Electrical and Electronics, and Mining.

What is the interest rate under the Bihar Student Credit Card Scheme?

Interest is 4% per annum under the Bihar Student Credit Card Scheme.

How do I apply for the Bihar Student Credit Card Scheme at UMU?

After securing admission at UMU, register online on the Bihar Student Credit Card portal, fill in personal and academic details, upload required documents including the UMU admission letter, and complete verification at the district center.