EducationSaat Nischay — Yuva Upmission (Government of Bihar)
Bihar Student Credit Card Scheme
बिहार स्टूडेंट क्रेडिट कार्ड योजना
Financial support, through the banking system, for students from Bihar who have passed class 12 (Intermediate) but cannot pursue higher education due to financial constraints.
Part of: Saat Nishchay-2 — Yuva Upmission
Benefit type
Education loan
For
Student
Age
Any age
Highest education
Senior secondary (class 12) (or above)
Timeline
Launched 02-10-2016FY2024-25FY2025-26now
Who can apply
For
Student
Age
Any age
Highest education
Senior secondary (class 12) (or above)
Gender
Any
Social category
All categories
Income
No income bar
Domicile
Bihar resident
Details
- Benefit type
- Education loan
- Benefit detail
- Education loan up to ₹4 lakh for higher studies — now interest-free for all categories (Sept 2025 reform; previously 4% general / 1% for women & PwD). Repayment extended to 7 yrs (≤₹2L) or 10 yrs (>₹2L). Processed via the DRCC.
- Target beneficiary
- Students from Bihar who have passed class 12 and intend to pursue higher education.
- Launch date
- 02-10-2016
Status evidence
Active — official 7nishchay portal lists it live (DRCC-processed). Loans made INTEREST-FREE for all categories from Sept 2025 (was 4% / 1%), with repayment extended to 7 yrs (≤₹2L) / 10 yrs (>₹2L). Up to ₹4 lakh, 12th-pass, age ≤25 (30 for postgraduate). Verified 2026-06-19.
- Last budget year
- 2025-26
- Last notification
- —
- Last verified
- 19-06-2026 · 8 days ago
Data & impact
Public figures where available; where Bihar publishes nothing, the data request itself is shown. Every number is sourced — none are estimated.
| Fiscal year | Funds (₹ cr) | People |
|---|---|---|
| 2024-25 | ₹1,715.23 crdisbursed | 80,236students |
| 2025-26 | ₹1,013.23 crsanctioned | 1,27,000target |
Sources:thedailyjagran.com ↗
Data provenance
Budget & disbursement
Loans disbursed to 80,236 students (news report; cross-check vs budget.bihar.gov.in).
Reported · verify
District-wise distribution
District-wise disbursement / sanction not published. RTI filed via Bihar RTI Online to the Education Department (BSEFC) on 25 June 2026; awaiting reply.
Demographic breakdown
Breakdown by social category / gender not published. RTI filed via Bihar RTI Online to the Education Department (BSEFC), Bihar Student Credit Card Scheme, on 25 June 2026; awaiting reply.
Outcomes
Course-completion and loan-repayment outcomes not published. RTI filed via Bihar RTI Online to the Education Department (BSEFC) on 25 June 2026; awaiting reply.