Yojana Kya Hai?
Bihar sarkar ki 7 Nishchay scheme ke tahat shuru ki gayi yeh yojana un students ki madad karne ke liye bani hai jo 12th Class ke baad higher education karna chahte hain, lekin paisa nahi hai. Is yojana mein sarkar ek credit card deti hai jisse student seedha apni padhai ke kharche utha sakta hai.
Kitna Loan Milega?
Maximum loan amount 4,00,000 rupaye hai. Yeh raqam ek saath nahi milti, zaroorat ke hisaab se milti hai. College fees, hostel, books sab is mein cover hota hai.
Byaj Dar (Interest Rate)
- Saamanya students ke liye — 4% per annum
- Ladkiyon ke liye — 1% per annum
- Divyang (differently abled) ke liye — 1% per annum
- Transgender students ke liye — 1% per annum
- Padhai ke dauran koi EMI nahi bharni hoti
Kisko Milega? (Eligibility)
- Bihar ka mool niwasi hona zaroori hai
- 12th pass ya iske barabar koi qualification honi chahiye
- Kisi maanyata prapt college/university mein admission liya ho
- Umra 25 saal se kam ho
- Chahe family ameer ho ya garib — income limit nahi hai
- Sarkari ya private dono college ke students apply kar sakte hain
Kin Courses Ke Liye Milega?
Science/Technical:
- B.Tech / Engineering
- MBBS / BDS (Medical/Dental)
- B.Sc (Agriculture, Nursing, Pharmacy)
- Polytechnic Diploma
- B.Sc IT / Computer Science
Commerce/Management:
- B.Com
- BBA / MBA
- CA Foundation
Arts/Law/Others:
- B.A., M.A.
- LLB (Law)
- Hotel Management
- Mass Communication / Journalism
- BEd (Teacher Training)
- Fashion Designing
Paise Kahan Kharcha Kar Sakte Hain?
- College/University fees — tuition, admission, exam fees
- Hostel charges — agar bahar rehna pad raha ho
- Books aur stationery — padhai ka saaman
- Laptop/Computer — ek baar milega
- Uniform/Dress — agar college mein zaroor ho
- Study material — coaching notes Wagera
Zaroori Documents
- Aadhar Card (student ka)
- 10th aur 12th ki Marksheet + Certificate
- College mein Admission ka Proof (letter/receipt)
- Student ke naam ka Bank Account Passbook
- Niwas Praman Patra (domicile)
- Income Certificate (family ka)
- Passport size photograph (2-4)
- Mobile number (OTP ke liye)
- Agar hostel mein ho to hostel allotment letter
Apply Karne Ka Tarika
- Sabse pehle website par jaao — 7nishchay-yuvaupmission.bihar.gov.in
- Apne mobile number se registration karo, OTP verify karo
- Login karke poora form sahi sahi bharo — personal details, course details, bank details
- Saare documents scan karke upload karo
- Apne nazdeeki DRCC centre ke liye appointment lo
- DRCC par jaao, documents ki physical verification hogi
- Verification ke baad credit card aur loan approved ho jaayega
Loan Wapsi (Repayment) Ke Niyam
- Padhai khatam hone ke 1 saal baad repayment shuru hoti hai
- Ya naukri lagane ke 6 mahine baad — jo bhi pehle ho
- Agar naukri nahi lagi to sarkar ko suchi deni hogi
- EMI aasaan installments mein hogi
- Padhai ke dauran koi boj nahi — sirf baad mein bharna hai
Kuch Khaas Baatein
- Koi zameen ya property girvi nahi rakhni
- Koi guarantor nahi chahiye
- Income limit nahi hai — koi bhi apply kar sakta hai
- Loan seedha college ya student ke account mein jaata hai
- Ek baar reject hua to dobara apply kar sakte hain
- Yeh scheme pure Bihar mein lagu hai
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