Bihar Student Credit Card Yojana
LoanUp to ₹4 lakh
GuaranteeNo guarantee
EligibleResident of Bihar, 12th pass
Portal7nishchay-yojana.bihar.gov.in
⚠️ Confirm interest rate, repayment period and conditions with the portal/bank. The information here is general.
What is the scheme?
Under the Bihar Student Credit Card scheme, student residents of Bihar can take an education loan of up to ₹4 lakh, without guarantee, for higher, technical or professional courses.
Key benefits
- Education loan up to ₹4 lakh
- Without any guarantee/security
- Repayment after the course is completed (as per rules)
Eligibility – who can apply
- Permanent resident of Bihar
- 12th pass and admitted to a recognised institution
- Course/institution covered by the scheme
- Age limit and other conditions on the portal
Who is not eligible / things to note
- Those studying outside the scheme's course/institution list
- Those who are not residents of Bihar
Documents required
- Aadhaar card
- Residence certificate
- 12th marksheet
- Proof of admission / fee details
- Bank account details
- Passport photo
How to apply (step by step)
- Go to 7nishchay-yojana.bihar.gov.in
- Register for the Student Credit Card
- Fill the application and upload documents
- After checks at district level the application is sent to the bank
- After the bank's sanction, the fee goes to the institution/account
How to check your status
- Open 7nishchay-yojana.bihar.gov.in.
- Log in and view the application status.
- If the status says 'sent to bank', ask the bank branch about sanction.
Payment not received? Possible reasons
- Bank sanction or document checks are pending.
- Aadhaar is not linked to the bank account (NPCI mapping). Ask the bank branch, or check 'Bank Seeding Status' at myaadhaar.uidai.gov.in (the menu name may change).
- e-KYC / verification is pending. Complete it online, at a CSC or at the concerned office.
- Name or date of birth is different in the application and in Aadhaar/bank records.
- The bank account is closed or dormant, or the account number/IFSC on the portal is wrong.
- The instalment was released late because of government approval, funds or an election code of conduct. In that case payments are held for everyone in the state, not only for you.
Official sites are sometimes slow or down. If it doesn't open, try again later, or search the scheme name here: myScheme.gov.in ↗
Frequently asked questions
How much loan is given?
Education loan up to ₹4 lakh.
Is a guarantee needed?
No, the scheme is without guarantee.
What is the interest rate?
Confirm interest and repayment rules with the portal or bank, as they can differ by category.
How to check your status
1. Open 7nishchay-yojana.bihar.gov.in. 2. Log in and view the application status. 3. If the status says 'sent to bank', ask the bank branch about sanction.
Beware: Do not pay any agent or website in the name of applying for a government scheme. Applying on the official portal is generally free. Do not share OTP, PIN or confidential bank details with anyone.