बिहार स्टूडेंट क्रेडिट कार्ड स्कीम
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 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 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.
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.
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
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.
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
c.
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.
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