Bihar Student Credit Card 2026:
The “Hidden” List of Approved Colleges
Everything you need to know about Bihar’s flagship education loan scheme — eligibility, the complete approved college list, loan amount, and the step-by-step application process.
Quick Reference — Bihar Student Credit Card 2026
Launched as part of Bihar Chief Minister Nitish Kumar’s Saat Nischay (Seven Resolutions) programme, the Bihar Student Credit Card Scheme has become one of the most significant education financing initiatives in eastern India. Since its inception, the scheme has disbursed loans to over 3 lakh students across Bihar, enabling first-generation college students and economically weaker families to pursue higher education without financial burden.
In 2026, the scheme continues with expanded coverage, a slightly revised list of approved institutions, and a streamlined digital application process. This article gives you the complete, updated picture — the college list, application steps, documents, and the lesser-known clauses you should be aware of before applying.
What Does the Bihar Student Credit Card Actually Cover?
The loan under BSCC covers a wide range of educational expenses beyond just tuition fees:
- College tuition fees and examination fees
- Hostel charges (boarding and lodging)
- Cost of books, study materials, and equipment
- Laptop or computer costs (relevant to the course)
- Travel expenses related to field work or project work
- Study tour or industrial visit costs
Eligibility Criteria (2026 Update)
- Must be a permanent resident (domicile) of Bihar state.
- Must have passed Class 12 (Intermediate) or equivalent from a recognised board.
- Age should not exceed 25 years at the time of application.
- Must have secured admission in an approved course at an approved institution.
- Applicable for undergraduate, postgraduate, polytechnic, and professional degree courses.
- No family income cap — however, the family should not have an existing default on any government-backed loan.
Approved Courses Under the Scheme
The scheme covers a broad range of courses across disciplines:
Approved Colleges — Selected Institutions by Category
The official approved list contains hundreds of institutions across Bihar and recognised institutions outside the state. Below is a categorised selection of key approved colleges. For the complete verified list, always check the official portal: 7nishchay-yuvaupmission.bihar.gov.in.
| # | Institution Name | District | Category | Status |
|---|---|---|---|---|
| 1 | Patna University | Patna | State Univ. | APPROVED |
| 2 | Magadh University, Bodh Gaya | Gaya | State Univ. | APPROVED |
| 3 | Veer Kunwar Singh University | Arrah | State Univ. | APPROVED |
| 4 | Lalit Narayan Mithila University | Darbhanga | State Univ. | APPROVED |
| 5 | B.R.A. Bihar University, Muzaffarpur | Muzaffarpur | State Univ. | APPROVED |
| 6 | Tilka Manjhi Bhagalpur University | Bhagalpur | State Univ. | APPROVED |
| 7 | NIT Patna | Patna | Central Inst. | APPROVED |
| 8 | IIT Patna | Bihta | Central Inst. | APPROVED |
| 9 | AIIMS Patna | Patna | Medical | APPROVED |
| 10 | Patna Medical College & Hospital | Patna | Medical | APPROVED |
| 11 | Nalanda Open University | Patna | Open Univ. | APPROVED |
| 12 | Chanakya National Law University | Patna | Law | APPROVED |
| 13 | Bihar Agricultural University, Sabour | Bhagalpur | Agriculture | APPROVED |
| 14 | Purnea University | Purnea | State Univ. | APPROVED |
| 15 | Darbhanga Medical College | Darbhanga | Medical | APPROVED |
Step-by-Step Application Process
Register on the Official Portal
Visit 7nishchay-yuvaupmission.bihar.gov.in. Click “New Applicant Registration” and create an account using your Aadhaar-linked mobile number.
Fill the Online Application Form
Select “Bihar Student Credit Card” from the scheme options. Enter your personal details, Class 12 marks, admission details, and the name of your college and course.
Upload Required Documents
Upload scanned copies of all required documents (see list below). Ensure each file is under 200 KB and in JPEG/PDF format.
Visit DRCC for Verification
After online submission, visit your District Registration and Counselling Centre (DRCC) on the scheduled date with original documents. Verification is mandatory before loan disbursement.
Loan Disbursement
Once approved, the loan amount is disbursed directly to the institution’s bank account (for fees) and to the student’s account (for living expenses). Disbursement typically takes 15–30 working days post-verification.
Documents Required
📚 Related Articles on ResultUpdate360
Frequently Asked Questions
Disclaimer: Information in this article is based on data available as of May 2026. Scheme details may be revised by the Bihar Government. Always verify with the official portal or DRCC before applying.
