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The main objective of this scheme is to enhance the education level in Bihar and to encourage further education to the students who are unable to pursue further studies due to weak economic conditions. For this purpose, the government launched the "Bihar Student Credit Card Scheme", which will help the students to pursue their further studies.

Under this scheme, students of Bihar who have passed 12th standard from Bihar state and border states of Bihar, who are interested in getting loan for purse their higher education are provided education loan through Bihar State Education Finance Corporation.

Under this scheme Education loans will be sanctioned up to a maximum of four lakh rupees. The moratorium period on this loan amount which will not be payable till one year from the end of the course or maximum 6 months after the applicant is employed (which is first). The rate of simple interest on this loan amount will be 4 percent. Under this, women, disabled and transgender applicants are provided loans at the rate of 1 percent simple interest.


14/84, Bailey Rd, Officers Flat, Rajbansi Nagar, Patna, Bihar 800023.

Contact No.

Contact : 0612-2211718


Fax : 0612-2558412


Mail : dirdsw-bih@nic.in