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सिर्फ़ बिहार के छात्रों के लिए ONLY FOR BIHAR

Your ticket to the BBA, BCA, MCA, MBA is the Bihar Student Credit Card

Up to ₹4,00,000 at 0% interest to study at a NAAC A, A+ or A++ college. Ten strong options in Varanasi, Lucknow and Delhi NCR, and our counsellors help you apply for the card and the college together.

Fees ab rukawat nahi. Card banwaiye, seat pakki kijiye, ghar se nikal jaiye.

LIMIT ₹4 LAKHINTEREST 0%COLLATERAL NILGRADE NAAC A+
Call NowPrefer to talk? Speak to a counsellor now, free.
Route map — distance is part of the decision
Home, Bihar
PATNA / ARA / BUXAR
Varanasi
3–5 HRS
Lucknow
OVERNIGHT
Delhi NCR
12–14 HRS

ILLUSTRATIVE. THE BSCC IS AN OFFICIAL SCHEME OF THE GOVERNMENT OF BIHAR.

Reserve your counsellingFREE

Share your details. A counsellor helps with the card and the college, at no cost.

NO SPAM. DETAILS USED ONLY FOR ADMISSIONS AND THE CARD.

or call us directly
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The shortlist

Ten colleges, ranked for a Bihar student

Not a national ranking. This order weighs quality, placements and how far you would travel from home, so the strongest nearby options that fit your card come first.

Varanasi
वाराणसी
CLOSEST TO HOME · 3–5 HRS FROM MOST OF BIHAR
01SEAT NO.
NAAC AInstitution of Eminence

Institute of Management Studies, BHU

VARANASI, UP · FORMERLY FMS BHU

The most respected public business school within easy reach of Bihar. Heritage brand, strong faculty, and fees so low your card covers them with room to spare. A genuine stretch goal worth aiming for.

Entrance
CAT + GD/PI
Total fee approx
₹1,16,000
Flagship
MBA / MBA-IB / AB
Est.
1968

RecruitersIBM, Infosys, Wipro, Genpact, Cognizant, S&P Global

Average package
₹11.3 LPA
HIGHEST AROUND ₹35 LPA
Card covers
full fee
Get admission details →
The scheme

What is the Bihar Student Credit Card?

A scheme of the Government of Bihar under Saat Nishchay. It gives students of Bihar an education loan to study after Class 12, so fees never stop a good student from studying.

₹4 lakh
LOAN AMOUNT, UP TO
0%
INTEREST FOR ALL, PER THE 2025 UPDATE
NIL
COLLATERAL. THE STATE STANDS GUARANTOR
ALL INDIA
VALID AT RECOGNISED COLLEGES ACROSS STATES

How to use it for these colleges

Get your admission letter, then apply for the card. Our counsellors run both steps together so you do not lose time.

  1. Confirm your seatGet an admission or selection letter from a recognised college on this list.
  2. Register on the official portalApply for the Bihar Student Credit Card on the MNSSBY Saat Nishchay portal, 7nishchay-yuvaupmission.bihar.gov.in.
  3. Verify at your DRCCVisit your District Registration and Counselling Centre with original documents. The DRCC confirms your college and course.
  4. Collect the sanction, complete at the bankTake your sanction letter to the bank to finish disbursal. Fees can be paid directly to the college.

OFFICIAL HELPLINE: 1800 3456 444 · OR LET AN AAJNEETI COUNSELLOR GUIDE YOU FREE

Who can apply
  • Permanent resident of Bihar, with domicile or a Bihar address on Aadhaar
  • Passed Class 12 (Intermediate) from a recognised board, BSEB, CBSE, ICSE and others
  • Confirmed admission to a UGC or AICTE recognised institution and an approved course
  • Typically up to 25 years of age
  • No family income limit
Important. Before you count on the card, check that your exact college and course are on the approved list at your DRCC or on the MNSSBY portal. If a college is not approved, the loan can be declined.
Lucknow
लखनऊ
THE STATE CAPITAL · AN EASY OVERNIGHT TRAIN
03SEAT NO.
NAAC A++CGPA 3.55

University of Lucknow

LUCKNOW, UP · FIRST A++ UNIVERSITY IN UP

The strongest public university brand in the state capital, at public university fees that your card handles easily. A century old, highly ranked, and a safe, respected choice.

Entrance
CUET based
Fees
Public, low
Courses
MBA + integrated
Est.
1920

Why it fitsTrusted government brand, low fees, capital city exposure

Standing
Top 10 UP UNIV
GROWING BASE IN FINANCE, FMCG, IT
Card covers
full fee
Get admission details →
04SEAT NO.
NAAC A+SMS Group

School of Management Sciences, Lucknow

LUCKNOW, UP · THE SMS CAMPUS IN THE CAPITAL

If the state capital suits you better than Varanasi, this keeps you inside the same trusted SMS ecosystem, with fees your card covers in full. Management and technology programmes on one campus.

Entrance
CAT/MAT/CMAT/SMS
Total fee approx
₹1,41,000+
Courses
MBA, B.Tech, BBA+
Standing
Top 50, Business Today

RecruitersCapgemini, SBI Life, British Paints, Indus Towers

Average package
₹4.5 LPA
HIGHEST AROUND ₹16 LPA
Card covers
full fee
Get admission details →
05SEAT NO.
NAAC A+SIRO recognised

Integral University, Lucknow

LUCKNOW, UP · LARGE MULTIDISCIPLINARY CAMPUS

A big, well equipped private university with a strong placement engine and MBA fees that your card can cover. Green campus, modern facilities, and a wide alumni network.

Entrance
IUET / merit / CAT
Total fee approx
₹1–2.3 lakh
Alumni
50,000+
Valid to
2028 (NAAC)

Why it fitsScale, specialisations and a busy placement cell

Placement rate
~90%
FULL MENU OF SPECIALISATIONS
Within your
₹4 lakh card
Get admission details →
06SEAT NO.
NAAC A+AACSB · NBA

Jaipuria Institute of Management, Lucknow

GOMTI NAGAR, LUCKNOW · DEDICATED BUSINESS SCHOOL

The premium, placement focused choice in Lucknow, internationally accredited by AACSB, which puts it in the top six percent of business schools worldwide. Fees run higher, so use your card as a base and top up with a regular loan.

Entrance
CAT/XAT/CMAT/MAT
Total fee approx
₹18,20,000
Programme
PGDM (= MBA, AIU)
NIRF 2025
Mgmt rank 67

RecruitersDeloitte, Accenture, Genpact, HDFC Bank, Amul, Adani

Average package
₹11.8 LPA
HIGHEST AROUND ₹24.11 LPA
Plan a top-up
above ₹4 lakh
Get admission details →
07SEAT NO.
NAAC A+Amity network

Amity University, Lucknow

LUCKNOW, UP · PART OF AMITY UNIVERSITY UP

The Amity brand and corporate network in the state capital, on a large, facility rich campus. Strong industry links and a wide choice of specialisations, with fees that usually need a small top-up over the card.

Entrance
Amity / national scores
Fees
Mid range private
Courses
MBA + wide UG/PG
Strength
Corporate tie-ups

Why it fitsRecognised private brand with strong placement machinery

Network
Amity GROUP
CAMPUSES ACROSS INDIA AND ABROAD
Plan a top-up
above ₹4 lakh
Get admission details →
Delhi NCR
दिल्ली एनसीआर
FOR A BIGGER CITY · 12–14 HRS BY TRAIN, WORTH IT FOR THE NETWORK
08SEAT NO.
NAAC A+Global tie-ups

Amity University, Noida

NOIDA, DELHI NCR · FLAGSHIP AMITY CAMPUS

A flagship NCR private university with a wide specialisation menu and a heavyweight recruiter base. Worth the distance for the network, with your card as a starting base and a top-up for the rest.

Entrance
CAT/XAT/NMAT/GMAT
Programme
MBA, 25+ tracks
NIRF 2024
Mgmt rank 29
Placement
90%+ record

Why it fitsMetro network, brand strength, wide specialisation choice

Standing
Top 30 INDIA MBA
OVERSEAS CAMPUSES, GLOBAL PARTNERS
Plan a top-up
above ₹4 lakh
Get admission details →
09SEAT NO.
NAAC A+NBA accredited

Galgotias University, Greater Noida

GREATER NOIDA, NCR · KNOWLEDGE PARK

A fast rising NCR university with heavy corporate engagement and strong placement volume, commonly accepted under the credit card. International tie-ups with Purdue, Goethe and Kent State add global exposure.

Entrance
CAT/MAT/CMAT/GU
Programme
MBA, 10+ tracks
Recruiters
850+ on campus
Partners
Purdue, Goethe

RecruitersCognizant, Accenture, TCS, Capgemini, Infosys

Placement drive
850+ RECRUITERS
HIGH OFFER VOLUME EACH SEASON
Card covers
much of the fee
Get admission details →
10SEAT NO.
NAAC A+CGPA 3.27

Sharda University, Greater Noida

GREATER NOIDA, NCR · SHARDA SCHOOL OF BUSINESS STUDIES

One of NCR's most globally diverse campuses, with students from more than 95 countries. A good pick for students who want international exposure alongside their MBA, with a top-up over the card.

Entrance
SUAT/CAT/MAT/XAT
Programme
MBA, SSBS
Ranking
QS South Asia
Diversity
95+ countries

Why it fitsGlobal campus, modern facilities, international exposure

Campus reach
95+ COUNTRIES
RECRUITERS INCLUDE DELOITTE
Plan a top-up
above ₹4 lakh
Get admission details →

One card, one counsellor, one seat.

Tell us your district and preferred city. An AAJneeti counsellor helps you apply for the Bihar Student Credit Card and secure your MBA seat, at no cost to you.