Scholarship Details

Introduction:

Turn Dreams into Degrees with Financial Freedom
The Bihar Student Credit Card Scheme is a revolutionary initiative by the Government of Bihar that provides educational loans up to ₹4 lakhs to students pursuing higher education. This scheme is specially designed to remove financial barriers and allow students to focus on their academic goals without worrying about tuition or living expenses.

At New Lyf Education, we make it simple for you to apply, qualify, and get approval for the loan with step-by-step support from documentation to disbursement.

Who Can Apply?

To be eligible for the Bihar Student Credit Card Scheme, the applicant must:

Be a resident of Bihar.
Have passed Class 12th from Bihar School Examination Board or a recognized board.
Be up to 25 years old (relaxation for certain courses).
Be enrolled in a recognized graduate, technical, professional, or vocational course in India.
Be applying for financial assistance for the first time under this scheme.

What Courses Are Covered?

Students can apply for funding under this scheme for:

Engineering (B.Tech/BE)
Medical (MBBS, BDS, etc.)
Management (BBA, MBA)
Law (LLB, Integrated Law Courses)
Computer Applications (BCA, MCA)
Arts, Science & Commerce degrees
Polytechnic/Diploma Courses
Professional & Technical Courses approved by UGC/AICTE

Loan Benefits:

✅ Maximum loan amount: ₹4,00,000
✅ No collateral or security required
✅ Low interest rate: Just 1% for girls, transgender, and differently-abled students; 4% for others
✅ Easy repayment terms – Loan repayment starts after employment
✅ Covers tuition fees, books, hostel, and other related expenses
✅ No processing fees

How We Help:

At New Lyf Education, we specialize in helping students successfully apply for the Bihar Student Credit Card Scheme:

🔹 Eligibility Check – Know if you qualify
🔹 Document Preparation – Get the correct documents in order
🔹 Online Application Assistance – Guided support while filling the portal
🔹 Appointment & Interview Guidance – Prep for DRCC center visits
🔹 Loan Approval Follow-up – We track your status and notify updates
🔹 Post-Approval Support – Continued help even after you receive the loan

Documents Required:

Aadhaar Card of student and parent/guardian
PAN Card of student and parent (if available)
Class 10th & 12th Marksheet and Certificate
Admission Letter from College/University
Fee Structure from College
Passport-size photos
Income Certificate
Residential Certificate
Bank Passbook copy

Introduction:

Make Education Affordable, Accessible, and Achievable
The Guruji Student Credit Card (GSCC) Scheme is a flagship education financing initiative by the Government of Jharkhand, launched to empower students to pursue higher studies without worrying about financial constraints. Under this scheme, eligible students can avail an education loan of up to ₹15 lakhs to pursue professional, technical, or general courses in India or abroad.

At New Lyf Education, we guide you through every step of the application process—from eligibility checks to loan approval—making sure your academic journey is fully supported.

Key Features of GSCC Scheme:

✅ Maximum loan amount: ₹15,00,000
✅ Applicable for studies in India and abroad
✅ Low interest rates with interest subsidy
✅ Flexible repayment: Starts after course completion + 1 year grace period
✅ Covers tuition fees, hostel charges, study materials, equipment, travel expenses (for abroad)
✅ No requirement of collateral security

Eligibility Criteria:

To apply for the GSCC Scheme, the applicant must:

Be a domicile of Jharkhand
Have completed Class 10 and 12 from a recognized board
Be between 18 to 40 years of age
Be admitted or seeking admission into a UG, PG, professional, or technical course
The course must be approved by UGC, AICTE, MCI, BCI, or equivalent regulatory bodies

Courses Covered:

Engineering, Medical, Management, Law
Science, Commerce, Arts degree programs
Professional Diplomas and Certifications
Overseas UG/PG Programs in approved institutions
Vocational and skill-based higher education courses

Loan Coverage:

The loan under GSCC covers:

Tuition fees
Books, study materials, laptop
Hostel and mess charges
Travel expenses (for overseas students)
Exam, lab, library, and other institutional fees

How We Help:

At New Lyf Education, we are your trusted partner in navigating the GSCC Scheme process:

🔹 Free Eligibility Check
🔹 Online Registration & Application Assistance
🔹 Document Preparation and Uploading
🔹 Interview/Verification Support at DRCC or Bank
🔹 Loan Tracking & Status Follow-Up
🔹 Post-Approval Support

We handle the complexity so you can focus on your studies.

Documents Required

Aadhaar Card of student and parents
Domicile Certificate of Jharkhand
PAN Card of student and parent (if available)
Class 10th and 12th Marksheet
Admission Letter from College/University
Fee Structure from Institution
Income Certificate
Passport-size photographs
Recent bank account details

Introduction:

Your Right to Education, Funded by eKalyan
The eKalyan Scholarship Scheme is a student welfare initiative by the Government of Bihar and Jharkhand, designed to provide financial aid to students from SC, ST, and OBC categories pursuing post-matric and higher education. The scholarship is disbursed through a digital platform, making the process transparent, efficient, and accessible.

At New Lyf Education, we simplify your eKalyan journey by providing complete guidance—from registration to scholarship disbursal.

Key Features:

✅ Direct Benefit Transfer (DBT) into the student’s bank account
✅ Covers tuition fees, maintenance allowance, hostel, and other education-related costs
✅ No repayment – it’s a grant, not a loan
✅ Fully online application process through the eKalyan portal
✅ Separate schemes for Bihar and Jharkhand students
✅ Support available for Post-Matric, UG, PG, Technical, and Professional Courses

Eligibility Criteria:

To apply for the eKalyan scholarship:

The applicant must be a domicile of Bihar or Jharkhand
Belong to SC, ST, or OBC category
Family income should be below ₹2.5 lakhs per annum (SC/ST) and below ₹1.5 lakhs (OBC)
Must be enrolled in a recognized institution (government or private)
The applicant must have passed the previous academic examination

Courses Covered:

Post-Matric (Class 11 & 12)
Undergraduate & Postgraduate Programs
Engineering, Medical, Management, Law
ITI, Diploma, and Polytechnic Courses
Other technical and professional streams

What eKalyan Covers:

Tuition & examination fees
Maintenance allowance
Study materials & books
Hostel & mess charges (if applicable)
Travel allowance (for outstation students)

How We Help at New Lyf Education:

🔹 Eligibility Evaluation – We help you check whether you qualify
🔹 Online Registration – Creating and managing your profile on the eKalyan portal
🔹 Document Upload Support – Ensuring your documents are accurate and accepted
🔹 Application Tracking – Monitoring the status until approval and disbursal
🔹 Appeal/Correction Assistance – Handling rejected or returned applications

We offer end-to-end support so you never miss out on your scholarship benefits.

Documents Required:

Aadhar Card
Caste Certificate (SC/ST/OBC)
Income Certificate (Issued by competent authority)
Residential Certificate
Previous exam mark sheets
Admission proof (fee receipt or college ID card)
Bonafide Certificate from college/institution
Bank Passbook copy (linked to Aadhaar)
Passport-size photo

Welcome to New Lyf Education, where we passionately advocate for the profound belief that education serves as the cornerstone of both personal and societal growth.

Quick Links

Social Links

Contact Us

404, 1st Floor, 4th A Cross Rd,HBR Layout,2nd Block, Kalyan Nagar, Bengaluru, Karnataka 560043