BSCC Loan Eligibility for ITI Students

(Bihar Student Credit Card – BSCC)

The Bihar Student Credit Card (BSCC) Scheme is a Government of Bihar education loan scheme applicable to students          pursuing 2-year ITI courses and other higher or technical education programmes, subject to prescribed norms.

🎯 Basic Eligibility Requirements

To avail benefits under the BSCC Scheme, applicants must fulfill the following conditions:

✅ Bihar Domicile

  • The applicant must be a permanent resident of Bihar and possess a valid Bihar Domicile Certificate.

✅ Age Limit

  • Generally, the applicant should be below 25 years of age at the time of application for ITI courses, as per prevailing government guidelines.

✅ Minimum Educational Qualification

  • The applicant must have passed Class 10th (Matriculation) from a recognized board such as BSEB / CBSE / ICSE or equivalent.

✅ Admission in a Recognized Institute

  • The student must have secured admission in a 2-year ITI course at a Government-recognized and NCVT-affiliated Industrial Training Institute (ITI) like INDUS PVT ITI.

👥 Co-Applicant / Guarantor Requirement

  • A co-applicant / guarantor is mandatory under the BSCC scheme.

  • The co-applicant is usually a parent or legal guardian of the student.

  • The co-applicant must be a resident of Bihar with valid identity and address proof.

  • Guarantor details are verified by DRCC as per Government of Bihar norms.

  • The co-applicant / guarantor is responsible for supporting loan repayment in case of default, as per the loan agreement.

🧾 Documents Required

Personal & Identity Documents

  • Aadhaar Card

  • Bihar Domicile (Residential) Certificate

  • Caste Certificate (if applicable)

Educational Documents

  • Class 10th Mark Sheet and Certificate

  • Previous academic qualification documents (if any)

  • Admission Letter from the ITI

  • Fee Structure issued by the Institute

Financial & Bank Details

  • Recent passport-size photographs

  • Student’s Bank Account details

    • Student must provide active regular Savings Bank Account details.

    • Zero Balance / No-Frill accounts are not accepted.

    • Payment Bank accounts are not permitted under BSCC norms.

    • The bank account should be operational and in the student’s own name.

    • Account details must be valid for direct credit of BSCC funds.

  • Co-applicant / Guarantor documents (ID proof, address proof, and income details as per DRCC norms)

🏢 Application Process (Through DRCC)

Applications under the Bihar Student Credit Card Scheme are submitted online through the DRCC (District Registration & Counselling Centre) portal, operated by the Education Department, Government of Bihar.

Application Steps:

  1. Online Registration on BSCC Portal

  2. Upload of Required Documents

  3. DRCC Verification & Counselling

  4. Loan Sanction

  5. Agreement Signing & Loan Disbursement