Bihar Student Credit Card Course List:- Higher education is a crucial pathway for students aiming to build a bright future. However, for many in Bihar, financial constraints often become a major roadblock. Understanding this challenge, the Government of Bihar introduced the Bihar Student Credit Card Yojana (BSCCY) to ensure that lack of funds does not stop any student from pursuing their dreams. This article presents a detailed and fresh perspective on the Bihar Student Credit Card Course List 2025, including newly added courses, eligibility, loan details, and more.
Table of Contents
📌 What is Bihar Student Credit Card Yojana?
The Bihar Student Credit Card Scheme, launched under the umbrella of the Mukhyamantri Nishchay Swayam Sahayata Bhata Yojana (MNSSBY), is a state-government-funded education loan scheme. Under this scheme, students who have completed Class 12 from a recognized board and want to pursue higher education in Bihar or other states can apply for a loan of up to ₹4 lakhs.
This loan is provided at subsidized interest rates and is meant to cover expenses like tuition fees, books, equipment, and living costs during the course of study.
🔍 Why is the Course List Important?
The Bihar Student Credit Card loan is not available for all types of courses. The Department of Education, Government of Bihar, has released an official list of approved courses, which are eligible under this scheme. The 2025 course list includes 42 different academic and professional courses, expanding the scope for students from diverse educational backgrounds.
📘 Bihar Student Credit Card Course List 2025 – Overview
| Feature | Details |
|---|---|
| Scheme Name | Bihar Student Credit Card Yojana |
| Launched By | Government of Bihar |
| Purpose | To provide financial assistance for higher education |
| Loan Amount | Up to ₹4,00,000 |
| Interest Rate | 4% per annum (1% for girls, disabled & transgender students) |
| Total Eligible Courses | 42 Courses (Academic + Professional + Vocational) |
| Applicable Students | 12th Pass Students of Bihar |
| Application Mode | Online via MNSSBY Portal |
| Official Website | www.7nishchay-yuvaupmission.bihar.gov.in |
🎓 What Are the Newly Approved Courses in 2025?
In 2025, the government updated the BSCCY course list by including a mix of academic, professional, technical, medical, and vocational courses. The goal is to make the scheme more inclusive and help students in both traditional and modern fields of study.
Here is the complete list of approved courses:
✅ General Academic Courses
- B.A. (Bachelor of Arts) – All Subjects
- B.Sc. (Bachelor of Science) – All Subjects
- B.Com. (Bachelor of Commerce) – All Subjects
- M.A. (Master of Arts) – All Subjects
- M.Sc. (Master of Science) – All Subjects
- M.Com. (Master of Commerce) – All Subjects
✅ Technical and Computer Courses
- B.C.A. (Bachelor of Computer Applications)
- M.C.A. (Master of Computer Applications)
- B.Sc. – Information Technology / Computer Science / Computer Applications
- B.Tech / B.E. (All branches)
- B.Tech/B.E. (Lateral entry for Diploma holders)
- M.Sc./M.Tech Integrated Courses (+2 eligibility)
✅ Medical and Paramedical Courses
- M.B.B.S.
- B.D.S. (Bachelor of Dental Surgery)
- B.Sc. (Nursing)
- B.P.T. (Bachelor of Physiotherapy)
- B.O.T. (Bachelor of Occupational Therapy)
- B.V.M.S. (Bachelor of Veterinary Medicine and Surgery)
- B.A.M.S. (Ayurveda)
- B.U.M.S. (Unani)
- B.H.M.S. (Homeopathy)
- General Nursing & Midwifery (G.N.M)
- Diploma in Food, Nutrition and Dietetics
✅ Business and Management Courses
- B.B.A. (Bachelor of Business Administration)
- M.B.A. (Master of Business Administration)
✅ Law & Legal Studies
- B.L. / L.L.B (5 Year Integrated Law Program)
✅ Hospitality & Hotel Management
- Bachelor of Hotel Management & Catering Technology (B.H.M.C.T.)
- Diploma in Hotel Management (Three Year)
- Diploma in Food Processing / Food Production
- Diploma in Food & Beverage Services
- B.Sc. Hospitality / Hotel Management / Tourism
✅ Arts and Design
- B.F.A. (Bachelor of Fine Arts)
- B.Sc. – Fashion Designing / Apparel Design / Footwear Design
✅ Physical Education and Sports
- B.P.Ed. (Bachelor of Physical Education)
✅ Media and Communication
- Bachelors in Mass Communication / Mass Media / Journalism
✅ Religious & Classical Studies
- Aalim (Islamic Theology)
- Shastri (Sanskrit Studies)
✅ Aviation & Specialized Fields
- Degree/Diploma in Aeronautical Engineering
- Pilot Training Courses
- Shipping and Maritime Studies
✅ Education Courses
- B.A.-B.Ed. / B.Sc.-B.Ed. (Integrated Courses)
✅ Polytechnic Courses
- 3-Year Polytechnic Diploma Courses (All recognized branches)
📥 Download Bihar Student Credit Card Course List PDF 2025
Students can directly download the official PDF of the updated course list from the MNSSBY website. This PDF will be helpful for reference while filling the application form and choosing eligible institutions.
📎 Click here to download the official course list PDF
💼 How Much Loan Can You Get?
Under the BSCCY scheme, students are eligible to get a maximum education loan of ₹4 lakhs, which can be used to cover:
- Tuition Fees
- Books and Study Material
- Laptop and other educational gadgets
- Hostel / Accommodation Expenses
- Project Work and Industrial Training Costs
💰 Interest Rates and Repayment Terms
| Category | Interest Rate |
|---|---|
| General Students | 4% per annum |
| Female Students | 1% per annum |
| Divyang / Disabled Students | 1% per annum |
| Transgender Students | 1% per annum |
The repayment starts after the course is completed + 1 year grace period. In some cases, if the student gets a job earlier, repayment may start after employment.
📑 Eligibility Criteria
To be eligible for the Bihar Student Credit Card Scheme 2025, applicants must:
- Be a resident of Bihar
- Have passed 12th standard from a recognized board
- Be aged between 18 to 25 years
- Have taken admission in an eligible course/institution
- Must not have availed a similar loan from another source
📋 Documents Required
Before applying, students should prepare the following documents:
- Aadhaar Card
- PAN Card
- Class 10th and 12th Marksheet
- Admission Proof in a recognized college/university
- Bonafide Certificate
- Fee Structure from Institution
- Bank Passbook
- Passport-size Photograph
- Income Certificate
- Residential Certificate
📝 How to Apply for Bihar Student Credit Card Scheme 2025?
The application process is online through the official portal:
Step-by-Step Process:
- Visit https://www.7nishchay-yuvaupmission.bihar.gov.in
- Click on “New Registration” under Student Credit Card Yojana
- Fill in your personal and academic details
- Upload necessary documents
- Submit your course details from the approved list
- Verify mobile number through OTP
- Submit the final application and take a printout
- Wait for approval and document verification call from DRCC (District Registration and Counseling Center)
🧾 Summary: Why This Course List Matters?
The 2025 course list update reflects the government’s commitment to making education accessible across all fields—from engineering and medicine to arts and hotel management. By expanding the list, the scheme now allows more students from diverse backgrounds to benefit from government-funded loans and shape their future without financial hurdles.
📢 Final Thoughts
The Bihar Student Credit Card Course List 2025 is more inclusive, practical, and student-friendly. If you are a student from Bihar with dreams of pursuing higher education, now is the time to explore your options and grab this opportunity. Whether you want to be a doctor, engineer, journalist, hotel manager, or legal professional—the government has got your back.
Just make sure to choose a course from the approved list, keep your documents ready, and apply through the official portal.
