Bihar Student Credit Card - ₹4 Lakh Education Loan
Agar aap 12th pass hain aur aage padhna chahte hain but paison ki dikkat hai, toh Bihar sarkar ne aapke liye Student Credit Card Scheme launch ki hai. Isme aapko ₹4 Lakh tak ka loan milta hai wo bhi bina kisi property guarantee ke.
Scheme Highlights
| Feature | Details | |---------|---------| | Maximum Loan | ₹4,00,000 | | Interest Rate | 0% (Female) / 1% (Male) | | Collateral Required | No | | Guarantor Required | No | | Repayment Start | After course completion + 1 year grace period | | Repayment Period | 82 months (approx 7 years) |
Kaun Apply Kar Sakta Hai? (Eligibility)
Basic Requirements:
- Bihar ke nivasi hone chahiye
- 12th pass hona zaroori hai
- Age: 25 saal se kam (General Course) / 30 saal (Professional Course)
- Recognized institution mein admission mila ho
Courses Covered:
- BA, B.Sc, B.Com, BBA, BCA
- Engineering (B.Tech, BE)
- Medical (MBBS, BDS, BAMS, BHMS)
- Law (LLB)
- Polytechnic, ITI
- Hotel Management
- Mass Communication
- Fashion Designing
- Nursing, Pharmacy
- MBA, MCA, M.Tech
- And 40+ more courses
Loan Mein Kya Kya Cover Hota Hai?
- Tuition Fees - College ki poori fees
- Hostel Fees - Agar hostel mein rehte ho
- Book & Study Material - Kitaben aur notes
- Laptop/Computer - Technical courses ke liye
- Exam Fees - Registration aur exam costs
- Field Visit - Agar course mein required hai
Documents Required
Mandatory Documents:
- Aadhar Card
- 10th & 12th Marksheet
- Residential Certificate
- Income Certificate
- Admission Letter (Provisional bhi chalega)
- Bank Account Details
- Passport Size Photo
- Parent's Aadhar Card
If Available:
- Caste Certificate (SC/ST/OBC)
- Disability Certificate
- Student ID from College
Step-by-Step Application Process
Step 1: Online Registration
- 7nishchay-yuvaupmission.bihar.gov.in pe jaayein
- "New Applicant Registration" pe click karein
- Mobile number verify karein (OTP aayega)
- Basic details fill karein
Step 2: Form Fill Up
- Login karein apne credentials se
- Personal details bharein
- Educational details bharein
- Course & Institution details add karein
- Bank details add karein
Step 3: Document Upload
- Scan karein saare documents
- PDF format mein upload karein
- File size 500KB se kam rakhein
- Clear aur readable hone chahiye
Step 4: Submit & Print
- Preview dekh lein
- Submit kar dein
- Application receipt download kar lein
- Reference number note karein
Step 5: DRCC Verification
Application submit hone ke baad District Registration cum Counselling Centre (DRCC) se call aayega. Wahan jaake documents verify karane honge.
Step 6: Bank Processing
DRCC approval ke baad file bank jaayegi. Bank verify karke loan sanction karega. Direct college mein fees transfer ho jaayegi.
Common Rejection Reasons
1. Document Issues
- Blurry scan
- Name mismatch
- Old certificates
2. Eligibility Issues
- Overage
- Gap year issues
- Non-recognized institution
3. Technical Issues
- Wrong bank details
- Incorrect mobile number
- Incomplete form
Pro Tips for Approval
- Apply jaldi - Admission milte hi apply karo
- Documents ready rakho - Sab pehle se scan karke rakho
- Mobile active rakho - DRCC ka call miss mat karo
- Follow up karo - Portal pe status check karte raho
- Correct details - Ek bhi spelling mistake mat karo
Helpline Numbers
- Toll-Free: 1800-3456-444
- State Level: Check DRCC list on portal
Important Links
- Apply Here: 7nishchay-yuvaupmission.bihar.gov.in
- Check Status: Same portal pe login karke
- DRCC List: Available on portal
FAQs
Q: Kya already admission lene ke baad apply kar sakte hain?
A: Haan, 1st year ke students bhi apply kar sakte hain.
Q: Private college ke liye milega?
A: Haan, agar college AICTE/UGC recognized hai.
Q: Loan wapas kab dena hoga?
A: Course complete hone ke 1 saal baad EMI start hogi.
Q: Agar job nahi mili toh?
A: Employment na milne pe additional moratorium mil sakta hai.
Final Note
"Ye loan hai, maafi nahi. Padhke kamaake wapas karna hai."
Is scheme ka faayda uthao but responsibly. Padhai complete karo, job lo, aur loan repay karo taaki aur students bhi benefit le sakein.