Bihar Student Credit card Yojana 2024

A comprehensive step-by-step guide on how to apply for the scheme has been compiled by us to make the application process smoother for aspiring candidates, as part of the groundbreaking initiative, the Bihar Student Credit Card Yojana 2024, introduced by the government to support students in pursuing higher education.

बिहार स्टूडेंट क्रेडिट कार्ड योजना Online Apply 2024 

बिहार सरकार ने 2 अक्टूबर 2016 को राज्य में छात्र क्रेडिट कार्ड योजना शुरू की थी। बिहार एससीसी योजना में, राज्य सरकार 12 वीं पास छात्रों को 4 लाख रुपये तक का शिक्षा ऋण प्रदान करती है। छात्र अब आधिकारिक वेबसाइट पर Bihar Student Credit Card Scheme Online Application/Registration Form 2024 भरकर आवेदन कर सकते हैं। बीएससीसी योजना 2024 के लिए पूरी प्रक्रिया प्रवाह, उपयोगकर्ता पुस्तिका, आवश्यक दस्तावेज और अनुमोदित कॉलेजों की सूची भी देखें। बजट 2022-23 में, राज्य सरकार ने बिहार स्टूडेंट क्रेडिट कार्ड योजना के लिए 700 करोड़ रुपये आवंटित किए हैं।

बिहार सरकार ने बीएससीसी योजना के तहत छात्रों को ऋण वितरण के लिए एक शिक्षा वित्त निगम स्थापित करने का भी निर्णय लिया था। छात्रों की ऋण राशि की उचित गारंटी दिए जाने के बावजूद, बैंक ऋण वितरण में देरी कर रहे थे। इसलिए, यह नया एडुफिन कॉर्प बैंकों के बजाय छात्रों को 4 लाख रुपये तक का ऋण वितरित कर रहा है। छात्र अब ऑनलाइन आवेदन कर सकते हैं और साथ ही योजना का लाभ उठाने के लिए बिहार छात्र क्रेडिट कार्ड योजना के आवेदन पत्र पीडीएफ डाउनलोड कर सकते हैं।

Bihar Student Credit Card PDF

How to Apply for Student Credit Card Scheme Online in 2024

12 वीं पास छात्र जो योजना के लिए पात्र हैं, वे ऑनलाइन पोर्टल या मोबाइल ऐप पर जाकर आवेदन कर सकते हैं। योजना के लिए ऑनलाइन आवेदन करने के चरण नीचे दिए गए हैं

1.छात्रों को मोबाइल ऐप या ऑनलाइन पोर्टल पर मूल विवरण भरना होगा।

2.छात्रों को उनके मोबाइल नंबर और ई-मेल आईडी पर वन टाइम पासवर्ड प्राप्त होगा।

3.मोबाइल ऐप या पोर्टल में प्राप्त ओटीपी दर्ज करने के बाद, एक नया फॉर्म खुलेगा जहां छात्रों को अपना व्यक्तिगत विवरण जमा करना होगा। इसे सबमिट करने के बाद तीन ऑप्शन खुलेंगे।

4.तीन विकल्पों में से स्टूडेंट क्रेडिट कार्ड का चयन करें और एक नया आवेदन फॉर्म खुल जाएगा।

5.आवेदन पत्र में आवश्यक विवरण भरें और सबमिट बटन का उपयोग करके इसे जमा करें।

6.आवेदन पत्र जमा करने के बाद, छात्रों को एक विशिष्ट पहचान संख्या दी जाएगी। यह यूनिक 7.आईडी नंबर उनके मोबाइल नंबर और ई-मेल आईडी पर भेजा जाएगा।छात्रों को प्रस्तुत 8.आवेदन पत्र की पीडीएफ कॉपी और उनके ई-मेल आईडी पर आवश्यक दस्तावेजों का विवरण भी प्राप्त होगा। काउंटर पर आवेदन पत्र और दस्तावेजों की आवश्यकता होगी।

Students will be informed about the date of their visit to the counter on their mobile phones and e-mail ID The online student credit card application portal is:

Student credit card application portal:

How to Approve a Student Credit Card Loan in Bihar

All of the information and documentation that the students submit, including information on their acceptance from the individual educational institutions, will be reviewed and verified by government representatives. After the students’ documents are received, this will be completed in a period of fifteen days. Following verification, information and supporting documentation will be sent to the banks, who will decide whether to approve or deny the loan within 15 days.

The applicants would receive an SMS from the banks informing them of the loan acceptance or denial along with the rationale. Should their application be approved, the candidates must go to the bank office to finish the necessary paperwork. Following that, the banks will give the students credit cards that they can use to cover their tuition and other living expenses while attending college.

छात्रों द्वारा प्रस्तुत सभी जानकारी और दस्तावेज, जिसमें व्यक्तिगत शैक्षणिक संस्थानों से उनकी स्वीकृति की जानकारी शामिल है, की समीक्षा और सत्यापन सरकारी प्रतिनिधियों द्वारा किया जाएगा। छात्रों के दस्तावेज प्राप्त होने के बाद, यह पंद्रह दिनों की अवधि में पूरा हो जाएगा। सत्यापन के बाद, सूचना और सहायक दस्तावेज बैंकों को भेजे जाएंगे, जो 15 दिनों के भीतर यह तय करेंगे कि ऋण स्वीकृत करना है या अस्वीकार करना है। आवेदकों को बैंकों से एक एसएमएस प्राप्त होगा जिसमें उन्हें ऋण स्वीकृति या अस्वीकृति के साथ तर्क के बारे में सूचित किया जाएगा। क्या उनका आवेदन स्वीकृत हो जाना चाहिए, उम्मीदवारों को आवश्यक कागजी कार्रवाई पूरी करने के लिए बैंक कार्यालय जाना चाहिए। उसके बाद, बैंक छात्रों को क्रेडिट कार्ड देंगे जिसका उपयोग वे कॉलेज में भाग लेने के दौरान अपने ट्यूशन और अन्य रहने के खर्चों को कवर करने के लिए कर सकते हैं।

The list of colleges approved for the BSCC scheme:

Additionally, use the following link to view the approved list of colleges for the BSCC scheme:

Verify the status of your Bihar Student Credit Card application.

The state government recently unveiled the ambitious Bihar Student Credit Card plan. Students who pass their 12th grade can apply for 0% interest education loans from the state government up to a maximum of Rs. 4 lakh. The student credit card program, which went live on October 2nd, guarantees financial aid to students who wish to pursue higher education. Students can apply for the program online through a portal that the state government has developed. Students who are interested and have been admitted to accredited universities may apply for the program.

बिहार स्टूडेंट क्रेडिट कार्ड योजना हाल ही में शुरू की गई राज्य सरकार की एक महत्वाकांक्षी योजना है। इस योजना के तहत, राज्य सरकार 12 वीं पास छात्रों को 0% ब्याज दर पर 4 लाख रुपये तक का शिक्षा ऋण प्रदान कर रही है। 2 अक्टूबर को शुरू की गई, छात्र क्रेडिट कार्ड योजना उच्च शिक्षा प्राप्त करने के इच्छुक छात्रों को वित्तीय सहायता सुनिश्चित करती है। राज्य सरकार ने छात्रों के लिए योजना के लिए आवेदन करने के लिए एक ऑनलाइन पोर्टल लॉन्च किया है। जो छात्र रुचि रखते हैं और मान्यता प्राप्त विश्वविद्यालयों में भर्ती हुए हैं, वे कार्यक्रम के लिए आवेदन कर सकते हैं।

Application Status for the Student Credit Card Scheme

Once the application is finished, it is also possible to monitor the progress of the student credit card plan online. The applicants must click on the following link, enter their date of birth and registration number, or Aadhar number, as shown in the following screen, and then click “View Application Status.”

 Check the status of the Bihar Student Credit Card Scheme:

Edu Fin Corp. will loan money to students under the SCC program.

The Bihar government established the Education Finance Corporation to provide loans under the Bihar Student Credit Card (SCC) Program. Following this, Edu Fin Corp. began offering loans up to Rs. 4 lakh in the 2019 fiscal year. As a result, the government has given students this loan amount so they may continue their education in academic institutions.

The goal of the state government’s student credit card program in Bihar is to give a lot of young people access to high-quality education. Consequently, without the involvement of banks, the establishment of the Education Finance Corporation will aid in the successful execution of this strategy. 

A significant step toward the 7 Nischalay Yuva Mission’s goal of raising the gross enrollment ratio is the Bihar SCC Scheme. Interested parties may apply online at 7nishchay-yuvaupmission.bihar.gov.in for a student credit card in Bihar.

बिहार सरकार ने बिहार स्टूडेंट क्रेडिट कार्ड (एससीसी) कार्यक्रम के तहत ऋण प्रदान करने के लिए शिक्षा वित्त निगम की स्थापना की। इसके बाद, Edu Fin Corp. ने 2019 वित्तीय वर्ष में 4 लाख रुपये तक के ऋण की पेशकश शुरू की। नतीजतन, सरकार ने छात्रों को यह ऋण राशि दी है ताकि वे शैक्षणिक संस्थानों में अपनी शिक्षा जारी रख सकें। बिहार में राज्य सरकार के छात्र क्रेडिट कार्ड कार्यक्रम का लक्ष्य बहुत सारे युवाओं को उच्च गुणवत्ता वाली शिक्षा तक पहुंच प्रदान करना है। नतीजतन, बैंकों की भागीदारी के बिना, शिक्षा वित्त निगम की स्थापना इस रणनीति के सफल निष्पादन में सहायता करेगी। सकल नामांकन अनुपात बढ़ाने के 7 निश्चय युवा मिशन के लक्ष्य की दिशा में एक महत्वपूर्ण कदम बिहार एससीसी योजना है। इच्छुक पार्टियां स्टूडेंट क्रेडिट कार्ड बिहार के लिए 7nishchay-yuvaupmission.bihar.gov.in पर ऑनलाइन आवेदन कर सकती हैं।

The necessity of creating an education finance corporation under the Bihar SCC plan:

In Bihar, the current Gross Enrollment Ratio (GER) for postsecondary education is 13.9%. The state government hopes to increase GER to a minimum of 30%. The Bihar government offers a guarantee of Rs. 160 for each Rs. 100 that a student borrows under the SCC Scheme. The banks continued to postpone paying qualified recipients, and their response did not match expectations either.

In order to address and fix this issue, the state government decided to establish an Education Finance Corporation. As a result, the state government has been carrying out the SCC scheme independently of banks.

बिहार में, उत्तर-माध्यमिक शिक्षा के लिए वर्तमान सकल नामांकन अनुपात (जीईआर) 13.9% है। राज्य सरकार को उम्मीद है कि जीईआर को न्यूनतम 30% तक बढ़ाया जाएगा। बिहार सरकार प्रत्येक 100 रुपये के लिए 160 रुपये की गारंटी प्रदान करती है जो एक छात्र एससीसी योजना के तहत उधार लेता है। बैंकों ने योग्य प्राप्तकर्ताओं को भुगतान करना स्थगित करना जारी रखा, और उनकी प्रतिक्रिया अपेक्षाओं से मेल नहीं खाती थी।

इस मुद्दे को हल करने और ठीक करने के लिए, राज्य सरकार ने एक शिक्षा वित्त निगम स्थापित करने का निर्णय लिया। नतीजतन, राज्य सरकार बैंकों से स्वतंत्र रूप से SCC योजना चला रही है।

Cabinet Approves Bihar Student Credit Card Scheme (SCCS):

On September 14, the Bihar government’s much-awaited and ambitious Student Credit Card Scheme (SCCS) finally received cabinet clearance. Under the program, the state government will assist students in obtaining education loans for postsecondary study.

The Student Credit Card Scheme (SCCS), which will be administered by the education department, would make it easier for students who want to pursue higher education to get an education loan. By serving as a guarantee, the state government will make education loans from nationalized banks possible up to a maximum of Rs. 4 lakh.  Students who pass the 12th grade and are accepted into any accredited institution of higher learning, regardless of their financial situation, are eligible to apply for the loan.

The state government has set a goal of providing education loans to five crore students by the end of 2016–17 under the plan.As part of the program, students will submit their loan applications to the district registration centers rather than directly to the banks. The applications will be delivered to the banks when the district centers have physically verified the documentation. The loan applications will be approved by the banks within a 15-day period.

The banks will designate a different day during the following 15 days to sign the loan agreement document and finish any remaining formalities when the loan application is approved. The key dates and loan status will be communicated to the application students through text messages and emails.

Application Form for Bihar Student Credit Card Scheme (PDF Download)

The official Bihar Government website now offers a sample application form for the student credit card scheme for download.

•  The following link, students can get the offline Bihar SCC Scheme form immediately.

            Bihar SCC Scheme link- download FREE

How to Apply Bihar Student Credit Card, Step-by-Step:

Step – 1 : सबसे पहले हम 1.step मे  अपने google crome पर जायेगे और https://www.7nishchay-yuvaupmission.bihar.gov.in/ टाइप कर search करेंगे।  फिर आपके सामने एक ऐसा dashboard open होगा , नीचे दिए गए box मे New Application Registration का option को click करते हैं। 

 

Step – 2 : दुसरे step मे हम अपना Name , Email , Adhaar no. , Mobile डालकर अपना ईमेल और मोबाइल को verify करते हैं। 

 

Step – 3 : 3rd step मे जब email और mobile verify  sucessful होते ही reset पासवर्ड का option आता है उसको click करके अपना पासवर्ड reset केर सकते हैं। 

 

 

step 4: 4th  step मे अपना पासवर्ड create करना है , सबसे पहले पासवर्ड का तीन बॉक्स आएगा , पहले और उपर वाले box मे Old पासवर्ड fill करेंगे ,फिर दूसरे वाले मे अपना new पासवर्ड create करके डालेंगे ,और कन्फर्म password मे same यही डालेंगे ,फिर आपका new  पासवर्ड create हो जायेगा। 

 

Step – 5  : पांचवे और लास्ट step मे आप अपना personal जानकारी (infomation ) को fillup करेंगे, और फिर आपसे आपका doucument (दस्ताबेज ) upload करना होता है और फिर आपका आवेदन sucessful अप्लाई हो जाता है। 

 

Video: Online Apply Step by Step

Students’ Education Loan Waiver under the Student Credit Card (SCC) Program:

The Student Credit Card (SCC) Scheme allows students who have taken out bank loans for schooling to have their loans waived by the Bihar government. The government waived student loans under the Loan Waiver for Students program in the event that the students were unable to secure employment following their completion of professional courses.

Additionally, the student must return the loan balance in 82 convenient payments once they obtain a job. Students who have completed their class 12 education and wish to advance their careers in technical or general education can apply for loans under the Bihar SCC scheme. Before this, on March 7, 2018, the state government established the Bihar State Education Finance Corporation (BSEFC) to provide students with interest-free loans up to Rs. 4 lakh.

The state government continuously emphasizes the value of education and works to raise public awareness of it. The enrollment ratio in Bihar is 13%, which is quite low, compared to the national Gross Enrollment Ratio (GRE) of 24%. However, the state government intends to raise it to 30% and then to 35% and 40%. According to CM, the government needs to educate females and take proactive measures to empower women.

All students who pass the 12th grade and are enrolled in the Bihar SCC program are eligible to apply for loans for general or technical further education. Additionally, all Matric (10th grade) graduates are eligible to use this resource to help pay for their polytechnic education.

There would be no interest charged on the education loan up to Rs. 4 lakh under the arrangement. The students may use the loan to cover other expenses such as books, computers, equipment, and institutional fees. Furthermore, it is noteworthy that students who identify as feminine, transgender, or have different disabilities only pay 1% interest.

The overall number of girls enrolled in high schools has increased from 1 lakh to over 9 lakh in the last ten years. To facilitate the easy provision of loans up to Rs. 4 lakh under the SCC plan, the Bihar State Education Finance Corporation (BSEFC) was established in March 2018. Students who wish to pursue higher education beyond intermediate (12th standard) might benefit from this. This announcement had been widely known.

Bihar student credit card application List: 5-step 

 

Conclusion

 The Bihar Student Credit Card Yojana stands as a transformative initiative, breaking down financial barriers that often hinder the pursuit of higher education. As we traverse the comprehensive application process and eligibility criteria, it becomes evident that this scheme is not merely a financial aid program but a beacon of hope for countless aspiring students in Bihar.

By providing a structured approach to the application process, the scheme ensures that eligible students can access education loans seamlessly. The emphasis on residency, admission confirmation, and maintaining a commendable academic record adds a layer of accountability, promoting a commitment to educational excellence.

The provision of a transparent online portal further enhances the accessibility of the scheme, enabling applicants to submit necessary documents and track their application status effortlessly. The real-time updates on the application process empower students with information, fostering a sense of confidence and transparency.

As the scheme continues to evolve, the list of approved colleges becomes a crucial aspect, assuring students that their credit cards can be utilized across diverse fields and in recognized institutions. This not only broadens the scope of education but also instills a sense of assurance and credibility in the choices made by aspiring scholars.

In essence, the Bihar Student Credit Card Yojana is not just a financial aid scheme; it is a catalyst for educational empowerment. By removing the financial hurdles that often stand in the way of academic dreams, the Yojana paves the path for a brighter, more educated future for the youth of Bihar. It stands as a testament to the government’s commitment to nurturing talent, fostering a culture of learning, and ultimately building a society where education is a right, not a privilege.