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PNB BIHAR STUDENT CREDIT CARD SCHEME` Education Loan Scheme For Pursuing Higher Education For Students Of Bihar


The PNB Bihar Student Credit Card Scheme outlined below aims at providing financial support from the banking system to those students who have passed their Intermediate/ 12th class from institutions recognized by the Govt of Bihar, and are unable to pursue higher education due to financial constraints.The students belonging to Bihar can pursue higher education in or outside Bihar under Technical or Non-technical courses. The main emphasis is that students are provided with an opportunity to pursue higher education with the financial support from the banking system with reasonable and affordable terms and conditions.


1. Fee payable to college++/ school/ hostel* 2. Examination/ Library/ Laboratory fee 3. Insurance premium for student borrower 4. Caution deposit, Building fund / refundable deposit supported by Institution bills/receipts. ** 5. Purchase of books/ equipment / instruments / uniforms** 6. Purchase of computer at reasonable cost, if required for completion of the course** 8. Any other expense required to complete the course - like study tours, project work, thesis, etc.**

While computing the loan required, scholarships, fee waiver etc., if any available to the student borrower may be taken into account. If the scholarship component is included in the loan assessment, it may be ensured that the scholarship amount gets credited to the loan account when received from the Government.

Student Eligibility:

Should be an Indian national. Should be resident of Bihar with Maximum age of 25 Years. Intermediate exam passed student from Institutions recognized from Bihar School Exam Committee, 12th passed student from Institution recognised by Central Board of Secondary Education or Equivalent boards, Sub-Shastri passed students from Institutions recognized by Bihar State Sanskrit Education Board and Moulvi passed student from recognized Institute by Bihar State Madarsa Board will also be facilitated under this scheme. These Educational Institutes must compulsorily be located /situated in Bihar. If applicant is a degree holder of one level he will not be covered for degree of the same level under this scheme. This will not be applicable to technical and management courses. For instance, under this scheme, the loan shall not be provided to science graduate degree holder for pursuing graduate level courses for studying again in any other Faculty of Arts, Science or Commerce. But will be eligible for pursuing higher education under courses like MBA or MCA.

  • Courses Eligible for Studies:

  • General Courses non-technical,Financial Courses and Technical Courses e.g. B.A., B.Sc., B.Com, Engineering, Management, Medical, Law more

  • Quantum Of Finance

  • Need based finance to meet the expenses mentioned above will be considered taking into account margin subject to the following ceiling: Maximum up more

  • Security

  • Parents/legal guardians to be joint borrower's. No collateral security. No third party guarantee.The loan documents should be executed by the student and the parent/ guardian as.. read more

  • Repayment

  • Repayment of loan will be in Equated Monthly Installments of (EMI) for a period of 15 years... read more

Courses cover under Bihar Student Credit Card Scheme

List of courses cover under Bihar Student Credit Card Scheme are as follow-
  • B.A., B.Sc., B.Com. (All subject)
  • M.A., M.Sc., M.Com (All subject)
  • Aalim
  • Shashtri
  • B.C.A.
  • M.C.A.
  • B.Sc. (Information Technology/Computer Application/Computer Science)
  • B.Sc. (Agriculture)
  • B.Sc. (Library Science)
  • Bachelor of Hotel Management & Catering Technology (B.H.M.C.T.)
  • B.Tech/B.E. for laterally admitted candidates having degree of three years diploma courses approved by the State Technical Education Council
  • Hotel Management and Catering Technology
  • Hospital and Hotel Management
  • Diploma in Hotel Management (Three Year) (I.H.M. Course)
  • Bachelor in Yoga (Entry Level+2Pass)
  • B.Tech, B.E., B.Sc. (Engineering-all branches)
  • M.B.B.S.
  • B.Sc. (Nursing)
  • Bachelor of Pharmacy
  • Bachelor of Veterinary Medicine and Surgery (B.V.M.S.)
  • Bachelor of Ayurveda, Medicine and Surgery (B.A.M.S)

  • Bachelor of Unani Medicine & Surgery (B.U.M.S)
  • Bachelor of Homeopathic Medicine & Surgery (B.H.M.S.)
  • Bachelor of Dental Surgery (B.D.S.)
  • General Nursing Midwifery (G.N.M)
  • Bachelor of Physiotherapy
  • Bachelor of Occupational Therapy
  • Diploma in Food, Nutrition/ Dietetics
  • Bachelor of Mass Communication/Mass Media/Journalism
  • B.Sc. in Fashion Technology/Designing/Apparel Designing/Footwear Designing
  • Bachelor of Architecture
  • Bachelor of Physical Education (B. P. Ed.)
  • M.Sc/M.Tech Integrated course
  • Diploma in Food Processing/ Food Production
  • Diploma in Food & Beverage Services
  • B.A./B.Sc.
  • Bachelor of Business Administration (B.B.A.)
  • Master of Business Administration (M.B.A.)
  • Bachelor of Fine Arts (B.F.A.)
  • BL/LLB (5 Year integrated Course)
  • Degree/Diploma in Aeronautical, Pilot Training, Shipping
  • Polytechnic

How to Apply

  • Go to Department of Education, Planning and Development Department and Department of Labor Resources.
  • On this home page, you will see the option of New Applicant Registration , you have to click on this option. After clicking on the option, the next page will open on the computer screen in front of you.
  • On this page, you will open the registration form, in this form you will get all the information you asked for, such as applicant's name, email id, Aadhaar card number, mobile number, click on YES if the application is made from Vasudha center or else select NO. . *
  • Please enter the OTP sent on your mobile *, please enter the OTP sent on your email ID.
  • After filling the personal details you have to submit. After submitting you will have to open the other 3 options. The other option is to select the student credit card option after which a new application form will open. After which the application You have to fill in the information and details asked. Then you have to submit it using the submit button.
  • After submission of the application form, students will be given a unique identification number. This unique ID number will be sent to their mobile number and email ID.
  • Students will also get a PDF copy of the submitted application form and a description of the required documents on their e-mail ID. Application forms and documents will be required at the counter.
  • After which the applicant students and girl students will be informed on their mobile number and email ID on which day to go to the counter, where the rest of the process has to be completed.
बिहार स्टूडेंट क्रेडिट कार्ड योजना की संसोधित मार्गदर्शिका लागु करेने के सम्बद्ध में (PDF)
Bihar Student Credit Card Scheme blank form(PDF)

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