Bihar Student Credit Card Renewal & Repayment Guide 2026 - Complete Process

Bihar Student Credit Card Renewal & Repayment Guide 2026

Bihar Student Credit Card (BSCC) se loan liya tha toh sabse bada sawaal hai: repayment kaise hoga? Bahut se students ko process pata nahi hai. Is guide mein moratorium, EMI, renewal, aur foreclosure sab clear karenge.

Quick Info: Bihar Student Credit Card Repayment 2026

Detail	Information
Scheme Name	Bihar Student Credit Card (BSCC)
Portal	7 Nishchay Yuva Upmission
Official Website	www.7nishchay-yuvaupmission.bihar.gov.in
Maximum Loan Amount	Up to ₹4,00,000
Interest Rate	0% for All Students (since September 2025)
Moratorium Period	Course complete hone ke 1 saal baad repayment start
Repayment Period	Maximum 15 years (moratorium ke baad)
Repayment Mode	Online (Portal/Bank) aur Offline (Bank Branch)
Foreclosure	Allowed, koi penalty nahi
Helpline	1800-3456-444 (Toll Free)

7 Nishchay Portal - Login, Application aur repayment status check karo

Moratorium Period: Repayment Kab Start Hota Hai?

Condition	Moratorium Period	Repayment Start
Course complete kiya	Course completion ke 1 saal baad	Completion + 12 months
Job lag gayi	Job start ke 6 months baad	Employment + 6 months
Course chhod diya (Dropout)	Dropout ke 6 months baad	Dropout + 6 months

Example: B.Tech July 2025 mein complete hua toh repayment August 2026 se start hoga.

Interest rate 0% hai (Sep 2025 se), toh moratorium mein koi interest accumulate nahi hota. Afford kar sako toh principal payment karo, jaldi loan khatam hoga.

EMI Schedule

Interest rate 0% hai (Sep 2025 se), toh EMI sirf principal ka equal division hai:

Loan Amount	EMI (10 Year)	EMI (15 Year)	Total Payable
₹1,00,000	~₹833	~₹556	₹1,00,000
₹2,00,000	~₹1,667	~₹1,111	₹2,00,000
₹3,00,000	~₹2,500	~₹1,667	₹3,00,000
₹4,00,000	~₹3,333	~₹2,222	₹4,00,000

Purane loans (Sep 2025 se pehle): Interest 4% (general/male) aur 1% (female/Divyang/Transgender) tha. DRCC office se updated repayment schedule confirm karo.

Step-by-Step Repayment Process

Step 1: Course Completion Intimation

Course complete hone ke baad DRCC office jao, Degree/Completion Certificate ki copy submit karo. Moratorium period start ho jayega.

Step 2: Repayment Schedule Lo

Moratorium khatam hone se 1-2 months pehle DRCC office ya 7 Nishchay portal pe login karke repayment schedule download karo. EMI amount, due dates, total payable sab likha hoga.

Step 3: Bank Account Link Karo (ECS/NACH)

DRCC office ya bank branch mein ECS/NACH mandate form bharo. Har month EMI auto-debit ho jayegi.

Documents: Cancelled cheque/passbook copy, Aadhaar, Student Credit Card copy, NACH form.

Step 4: Monthly EMI Payment

Online: 7 Nishchay Portal pe login karo, "Loan Repayment" mein jao, Net Banking/UPI/Debit Card se pay karo.

Offline: Designated bank branch mein loan account number batao, cash/cheque se EMI jama karo. Receipt zaroor lo.

Step 5: Payment Tracking

Har EMI ke baad receipt save karo. Portal pe payment history aur outstanding balance regularly check karo. Discrepancy dikhe toh DRCC office ya helpline pe contact karo.

Loan Renewal Process

Agar course 1 saal se zyada ka hai toh har saal renewal hota hai:

1. Previous year ka result/marksheet collect karo
2. 7 Nishchay Portal pe login karo
3. "Renewal Application" select karo
4. Current year ki fee structure upload karo
5. Previous year marksheet aur attendance certificate upload karo
6. Submit karo. DRCC review karega, approval ke baad next year ka amount disburse hoga

Renewal documents: Marksheet, fee receipt/demand letter, attendance certificate, Aadhaar, updated bank details.

Note: Previous year fail ho gaye toh renewal mein problem aa sakti hai. DRCC se baat karo.

Foreclosure (Loan Jaldi Band Karna)

Pura loan ek saath repay karna chahte ho:

1. DRCC office ya bank branch jao
2. Foreclosure request do (written)
3. Outstanding amount pay karo (sirf principal, 0% interest)
4. NOC (No Objection Certificate) lo aur safely save karo

Koi penalty nahi hai. Jab chaho pura loan repay kar sakte ho bina extra charge ke.

Scam Alert

WARNING: Student Credit Card ke naam pe bhi fraud hota hai!

Scam Type	Warning
"Loan maaf karwa denge" agents	100% fraud. Koi maafi scheme abhi tak nahi aayi
"Processing fee do, jaldi approve hoga"	Fake. BSCC mein koi processing fee nahi
Fake calls claiming "DRCC officer"	Personal details phone pe mat do
"₹5000 do, interest rate kam karwa denge"	Interest already 0% hai. Ye fraud hai
WhatsApp pe "Student Credit Card Maafi"	Government ne koi maafi announce nahi ki

Yaad Rakho: Pura process FREE hai. Kisi agent ko paisa mat do. Fraud ho toh Scam Database pe report karo.

FAQs

Q: Bihar Student Credit Card ka loan maaf ho sakta hai? A: February 2026 tak koi blanket loan maafi scheme announce nahi hui hai. Repayment plan bana ke rakhein. Future mein scheme aaye toh update karenge.

Q: EMI miss ho gayi toh kya hoga? A: Turant NPA nahi hota, lekin jaldi overdue pay karo. 3 se zyada consecutive EMI miss karna serious hai. Bank notice bhej sakta hai aur CIBIL score kharab hoga.

Q: Moratorium period mein payment kar sakte hain? A: Haan! Compulsory nahi hai lekin jo amount doge wo principal se katega aur loan jaldi khatam hoga.

Q: Loan liya tha lekin course nahi kar paaya, ab kya? A: Dropout ke 6 months baad repayment start hoga. Jitna disburse hua utna wapas karna padega (0% interest). DRCC se milke discuss karo.

Q: NOC kaise milega loan repay hone ke baad? A: Last EMI ke baad bank ya DRCC se NOC maango. Ye proof hai ki loan fully repaid ho gaya. Safely preserve karo, future financial transactions mein kaam aayega.