You Will Get Admission Through Bihar Student Credit Card



बिहार स्टूडेंट क्रेडिट कार्ड स्कीम (बीएससीसीएस या BSCCS)


MNSSBY – Bihar Student Credit Card Yojana: Eligibility & Benefits

Introduced on 2 October 2016, Bihar Student Credit Card Yojana is loan scheme that helps students who have passed the 12th standard to realise their higher education dreams. This government initiative aims to bridge the gap between the Gross Enrolment Ratio (GER) in Bihar and that in other parts of the country by ensuring that students do not stop studying due to lack of finances. As a student in Bihar, you can fund your higher education course by applying for a Bihar Student Credit Card online. To help you make the most of this unique financial initiative, here is a rundown on the Bihar Student Credit Card Scheme, it’s benefits, eligibility terms and application procedure.

What is Bihar Student Credit Card Yojana?

Introduced by the government in Bihar, the Bihar Student Credit Card Yojana is a scheme that provides funding to students who require financial assistance for their higher education. In August 2018, the state’s Gross Enrolment Ratio (GER) was pegged at 14.3% while the average across the country was 24%.

The scheme intends to boost this ratio to 30% in 5 years. Beneficiaries of the Student Credit Card Yojana in Bihar get financing of up to Rs.4 lakh at nominal interest rates. The money can be used to finance a B.A., B.Sc., M.B.B.S., or B.Tech course.

What are the benefits of the MNSSBY Bihar Student Credit Card Yojana?

Here are some of the advantages you get as a beneficiary of the Bihar Student Credit Card Scheme.

  • Get an educational loan of up to Rs.4 lakh

  • The loan is available to those pursuing general and polytechnic courses, and not just technical courses

  • Financing is available at an interest rate as low as 1% for girls, transgender and divyang students

  • Monetary assistance can be used to pay fees, buy books, purchase laptops, etc.

  • The loan is owned by the government and hence has lenient recovery procedures. In extreme cases, the government may waive off the balance entirely

  • Repayment begins once the course is complete and you secure a job

Eligibility terms for MNSSBY Bihar Student Credit Card Yojana

To apply for Bihar student credit card, you must follow the following Bihar student credit card guidelines

  • Be a resident of Bihar

  • Complete your 12th standard education

  • Be under 25 years of age

  • Seek education at an authorised institute

  • Complete the higher education course in its entirety

In addition, to apply for the Bihar government Student Credit Card, you will need to prove your eligibility with documents like 10th and 12th standard mark sheets, proof of admission to a higher education institute and applicant and co-applicants ID proof address proof, Aadhaar and PAN card. You will also have to submit bank account statements of the applicant’s parents as well as a family income certificate and Form 16.

How to apply for MNSSBY(Bihar Student Credit Card online)

To benefit from the Bihar Student Credit Card, apply online and make your higher education dreams a reality. Here’s how.

  • Visit http://www.7nishchay-yuvaupmission.bihar.gov.in/

  • Click on ‘New Applicant Registration’

  • Fill in the details and click on ‘Send OTP’

  • Enter the OTP received on your mobile number/email ID and click on ‘Submit’

  • You have successfully registered yourself. Next, click ‘Go to Home Page’

  • Login using the credentials received via SMS/email

  • Set a new password and login once again with the new password

  • Enter your personal details in the fields and click on ‘Submit’

  • Pick ‘Bihar Student Credit Card’ from the ‘Select Scheme’ drop-down menu

  • Enter personal information of the applicant and co-applicant

  • After filling all general and financial information, click on ‘Submit’

  • Make note of the acknowledgment that you will receive via email

While beneficial, the Bihar government student credit card is not like a conventional credit card you get from a financial institution. This is because its main purpose is to finance education and hence it doesn’t give you the other benefits that a credit card offers. As a result, it may be more beneficial for you to apply for a regular credit card that gives you access to revolving credit and other standout features, such as the Bajaj Finserv RBL Bank SuperCard. This 4-in-1 credit card lets you make 50-day, interest-free cash withdrawals from ATMs, obtain a 90-day, interest-free loan, and split purchases over Rs.3,000 into manageable EMIs as well.


बिहार स्टूडेंट क्रेडिट कार्ड स्कीम के बारे में जानें 5 बड़ी बातें

BSCCS योजना का लाभ बिहार के ऐसे विद्यार्थी उठा सकते हैं, जो राज्य से 12वीं की परीक्षा पास कर चुके हैं.

कई लड़के-लड़कियां इच्छा के बावजूद उच्च शिक्षा हासिल नहीं कर पाते हैं. पैसे की कमी के चलते कुछ बेहतर प्रयास करने की उनकी हसरत दम तोड़ देती है.

ऐसे ही गरीब विद्यार्थियों की मदद के लिए बिहार की सरकार ने एक शानदार योजना (BSCCS) शुरू की है. इसे 2 अक्टूबर 2016 को लॉन्च किया गया था. BSCCS योजना को लागू करने के लिए सरकार ने शिक्षा वित्त निगम (Education Finance Corporation) की स्थापना की है.

किसे मिल सकता है BSCCS योजना का लाभ?

बिहार स्टूडेंट क्रेडिट कार्ड स्कीम (बीएससीसीएस या BSCCS) का लाभ ऐसे विद्यार्थी उठा सकते हैं, जो 12वीं की परीक्षा पास कर चुके हैं. BSCCS योजना के तहत गरीब छात्रों को बैंक से आगे की पढ़ाई के लिए लोन मिलता है.

BSCCS योजना की खास बात यह है कि इसके तहत लिए गए कर्ज की गांरटर राज्य सरकार खुद है.

BSCCS में कितना लोन मिलेगा?

BSCCS योजना के तहत विद्यार्थी बैंक से 4 लाख रुपये तक का लोन हासिल कर सकते हैं. राज्य सरकार ने इसके लिए एक दर्जन से ज्यादा बैंकों के साथ समझौता किया है.

कैसे करें BSCCS में आवेदन?

BSCCS योजना इसलिए भी अच्छी है कि विद्यार्थी एप या पोर्टल के जरिए आवेदन कर सकते हैं. उन्हें बैंक की शाखाओं का चक्कर लगाने की जरूरत नहीं है.

बिहार के ऐसे विद्यार्थी को हमारे WEBSITE APPLY करना होगा.

BSCCS के लिए कौन-कौन से दस्तावेज जरूरी?

BSCCS योजना का लाभ उठाने के लिए कई दस्तावेज जरूरी हैं. इसलिए अगर आप इस योजना में आवेदन करना चाहते हैं तो आपको ये दस्तावेज पहले से तैयार रखने चाहिए.

  • आवेदक और सह-आवेदक के आधार कार्ड

  • आवेदक और सह-आवेदक का पैन

  • 10वीं और 12वीं के सर्टिफिकेट एवं मार्क्सशीट

  • उच्च शिक्षण संस्थान में दाखिले का प्रमाणपत्र

  • विद्यार्थी, माता-पिता और गांरटर में से सभी के 2-2 फोटो

  • निवास प्रमाण पत्र

  • परिवार का आय प्रमाणपत्र और फॉर्म 16

  • माता-पिता के बैंक खाते का छह महीन का स्टेटमेंट

  • आवदेक का पहचान पत्र (आधार कार्ड, पासपोर्ट, मतदालात पहचान पत्र, ड्राइविंग लाइसेंसे आदि)

क्या है BSCCS का मकसद?

BSCCS योजना के जरिए राज्य सरकार कई मकसद पूरा करना चाहती है.

  • पहला, वह राज्य में उच्च शिक्षा के लिहाज से साक्षरता के आंकड़े को सुधारना चाहती हैं. राज्य में विद्यार्थियों का बड़ा हिस्सा 10वीं-12वीं के बाद पढ़ाई छोड़ देता है.

  • दूसरा, सरकार राज्य में मौजूद टैलेंट को बढ़ावा देना चाहती है. साल 2021 तक राज्य भर के विद्यार्थियों को इस स्कीम के दायरे में लाने का लक्ष्य है.

  • तीसरा, सरकार चाहती है कि लोन के लिए छात्र को बैंक का चक्कर नहीं काटना पड़े. करीब एक महीने में इस स्कीम में लोन की प्रक्रिया पूरी हो जाती है.


PURPOSE

Our Purpose is providing the best possible guidance to students from India who intends to study. We understand that every student has different goals and each one has a different path to those goals. We guide each of our clients through the process of identifying the course best suited to him/her based on individual strengths, needs and aspirations. Our approach ensures that long- term satisfaction of all our students as well as the institutions they enrol in.




Courses Eligible for Studies:

B.A./ B.Sc./ B. Com. (All subject)

M.A./M.Sc./M.Com (All subject)

Aalim

Shashtri

B.C.A.

M.C.A.

B.Sc. (Information Technology/Computer Application/Computer Science)

B.Sc. (Agriculture)

B.Sc. (Library Science)

Bachelor of Hotel Management & Catering Technology (B.H.M.C.T.)

B.Tech/B.E. for laterally admitted candidates having degree of threeb years diploma courses approved by the State Technical Education Council

Hotel Management and Catering Technology

Hospital and Hotel Management

Diploma in Hotel Management (Three Year) (I.H.M. Course)

Bachelor in Yoga (Entry Level+2Pass)

B.Tech/B.E./B.Sc.(Engineering-all branches)

M.B.B.S.

B.Sc. (Nursing)

Bachelor of Pharmacy

Bachelor of Veterinary Medicine and Surgery (B.V.M.S.)

Bachelor of Ayurveda, Medicine and Surgery (B.A.M.S)

Bachelor of Unani Medicine & Surgery (B.U.M.S)

Bachelor of Homeopathic Medicine & Surgery (B.H.M.S.)

Bachelor of Dental Surgery (B.D.S.)

General Nursing Midwifery (G.N.M)

Bachelor of Physiotherapy

Bachelor of Occupational Therapy

Diploma in Food, Nutrition/ Dietetics

Bachelor of Mass Communication/Mass Media/Journalism

B.Sc. in Fashion Technology/Designing/Apparel Designing/Footwear Designing

Bachelor of Architecture

Bachelor of Physical Education (B. P. Ed.)

M.Sc/M.Tech Integrated course

M.A./M.Sc./M.Com (All subject)

Diploma in Food Processing/ Food Production

Diploma in Food & Beverage Services

B.A./B.Sc.-B.Ed. (Integrated Courses)

Bachelor of Business Administration (B.B.A.)

Master of Business Administration (M.B.A.)

Bachelor of Fine Arts (B.F.A.)

BL/LLB (5 Year integrated Course)

Degree/Diploma in Aeronautical, Pilot Training, Shipping

Polytechnic



Documents Required for the Bihar Student Credit Card Scheme

The following documents are required for the Bihar Student Credit Card Yojana 2022 –

  • Mark Sheet of 10th and 12th Class

  • Residential Certificate of the candidate

  • Detailed Document of Fee for Higher Education, issued by the Institute.

  • Selection Certificate from the recognized Institute for Higher Education

  • PAN Card

  • Self-Attested Copies of the application form with passport-size photographs

  • Last 6 months bank statement of your parent’s

  • Income Tax Return of the last two years

  • Other Identification Documents such as Aadhaar Card/Voter ID Card/Passport/ Driving License etc.


Loan Approval Process for Bihar Student Credit Card Card

After submitting all the documents successfully, the Government then verifies all the documents. The BSCC Credit Card verification process takes around 10 to 15 days after receiving the documents from the student. Thereafter, the successful verification of the documents, the details are then transferred to the banks which then approve or disapprove the loan.

However, the approval and disapproval of the loan are shared by the banks through SMS on registered mobile number shared at the process of form filling. So, once, the loan is approved, the applicant has to visit the bank branch to complete the rest of the formalities.



Interest Rates of MNSSBY Bihar Student Credit Card

The Interest Rates for the Bihar Student Credit Card Yojana vary with the banks. Earlier, the Interest Rate of Canara Bank was 12% and Madhya Bihar Gramin Bank was 12.5% per year. But according to the latest information, the Bihar Government is providing loan at 4% simple interest. However, 1% is for the women, PWD, and transgender, through “Bihar Student Education Finance Corporation”.

Moreover, no interest is applicable for the course duration of 4 years (B.Tech) plus an additional year. Therefore, you need to pay your loan after 5 years of admission to the course in installments. However, you can also extend the deadline, by informing the DRCC. All you have to do is write an application form twice a year (July and December).



Quantum Of Finance

Need based finance to meet the expenses mentioned above will be considered taking into account margin subject to the following ceiling: Maximum up to Rs. 4 lakhs #

# For loan above Rs. 4 lakhs student can apply for loan under our PNB Saraswati, PNB Pratibha and PNB Udaan Schemes.



Security

Parents/ legal guardians to be joint borrower(s). No collateral security. No third party guarantee.

The loan documents should be executed by the student and the parent/ guardian as joint-borrower.

All the loans will be covered under the financial assistance scheme of Bihar Government.


Repayment

Repayment of loan will be in Equated Monthly Installments of (EMI) for a period of 15 years.