Bihar Student Credit Card (BSCC)

(Government Education Loan Scheme for Students of Bihar)

The Bihar Student Credit Card Scheme (BSCC) is an EDUCATION LOAN SCHEME launched by the Government of Bihar under the 7 Nischay – Yuva Mission.

BSCC is a EDUCATION LOAN SCHEME (not a scholarship), designed to support students who wish to pursue higher, technical, or vocational education but face financial constraints.

Key Features of BSCC

  • Maximum Loan Amount:

    • Up to ₹2,00,000 for ITI students

  • Government-backed education loan

  • Covers tuition fees and academic expenses

  • Includes living expenses, books, and stationery

  • Repayment starts after completion of the course

  • Simple and transparent online application process

  • Verification through DRCC (District Registration & Counselling Centre)

BSCC helps students continue their education without immediate financial burden on parents.

BSCC Loan Details for ITI Students

Students enrolled in NCVT-affiliated Industrial Training Institutes (ITI) are eligible under the BSCC scheme, subject to government norms.

💰 Expenses Covered Under BSCC

The loan amount can be used for the following purposes:

  • ITI / Course Fee

    • Course fee is directly transferred to the institute

  • Books and Stationery

  • Living Expenses (Hostel / Rent / Food)

    • Living expenses are credited to the student’s bank account

💵 Loan Amount for ITI Students

  • Maximum loan limit: ₹2,00,000

  • Actual loan amount depends on:

    • Approved fee structure

    • Eligible living and academic expenses

📉 Interest Details

As per the current Government of Bihar policy:

  • BSCC is an interest-free education loan scheme (subject to government rules).

  • Students are required to repay only the principal loan amount in easy installments.

Education Loan Scheme – Not a Scholarship

The Bihar Student Credit Card (BSCC) is a Government of Bihar–backed education loan scheme, applicable for technical and professional courses, including ITI trades at Indus Pvt. Industrial Training Institute.

⚠️ Important Clarification

  • BSCC is a LOAN, not a scholarship or grant.

  • The sanctioned loan amount must be repaid by the student after completion of the course, as per government-approved repayment norms.

Repayment After Completion of Studies

After completing the ITI course from Indus Pvt. ITI:

  • The student is required to repay the loan amount

  • Repayment is done in easy and affordable monthly installments (EMIs)

  • A moratorium period is generally provided
    (Course duration + additional grace period)

  • Repayment usually starts after course completion or employment, as per BSCC guidelines

BSCC for ITI Students at Indus Pvt. ITI

The institute provides guidance and support to eligible students regarding:

  • BSCC application process

  • Documentation