Under this scheme, a financial support initiative by the Jharkhand Government to help students pursue higher education without financial constraints. Under this scheme, eligible st...
गुरुजी छात्र क्रेडिट कार्ड (GSCC) योजना Jharkhand सरकार की योजना है (Education & Scholarship श्रेणी), जो Jharkhand में लागू है। जानकारी का स्रोत/विभाग: Higher and Techical Education Department। आवेदन पूरे साल खुले हैं या अंतिम तिथि घोषित नहीं है। आधिकारिक पेज: gscc.jharkhand.gov.in।
मुख्य जानकारी
विभाग / मंत्रालय: Higher and Techical Education Department
Education loans up to ₹15,00,000/- at a subsidized 4% interest rate.
Long Repayment Term: Maximum repayment tenure of up to 15 years.
No Processing Fees: No additional fees for loan processing, sanctioning, or disbursement.
पात्रता (कौन ले सकता है)
The applicant should be a student.
The student should be an Indian national.
The student should have completed class 10th to pursue a diploma and class 10th and 12th to pursue undergraduate or higher courses from a recognized school in Jharkhand.
The student should have secured admission in institutions like IITs, IIMs, IIESTs, ISIs, NLUs, AIIMSs, NITs, XLRI, IISCs, BITS, SPA, NID, IIFTs, ICFAI Business School etc within and outside of the state (within India) which are ranked up to 200 in the overall list or ranked up to 100 in their respective individual category of NIRF Rankings or have been accredited grade either “A" or above by NAAC.
The student should not be aged more than 40 (forty) years at the time of application for loan.
The student should not be a prior beneficiary of the scheme.
The student should not have availed education loan from any State Co-operative Banks, Central Co-operative Banks, District Central Co-operative Banks, or any Public or Private sector Banks for the course in which he/she is applying for a loan under the Scheme.
आवेदन कैसे करें
**Online**
> **Registration Process:**
- Interested candidate visits the official website GSCCS: Student Credit Card Scheme – Jharkhand
- Click on “Registration” and fill name, email id, captcha, verify the OTP.
- After verification, you get a registration number via SMS.
> **Login Process:**
- Enter user ID, Password and captcha
- Click on “Login”, after that fill the application form basic detail, address
ज़रूरी दस्तावेज़
Aadhaar Card.
Colour Passport-size Photograph.
Admission Document/Letter.
Ration Card.
Resident Certificate.
Income Certificate.
Caste Certificate.
Bank Passbook.
Birth Certificate.
त्वरित जवाब
What is the Guruji Student Credit Card Scheme?
The scheme provides financial support for Jharkhand students to pursue higher education with education loans up to [?]15,00,000/- at a subsidized 4% interest rate.
Who is eligible for this scheme?
Students who completed their 10th and 12th grades in Jharkhand and secured admission to recognized institutions for diploma, undergraduate, or higher courses are eligible.
Is there an age limit for applying?
Yes, applicants must be 40 years or younger at the time of application.
Which courses are covered under this scheme?
Courses such as engineering, medical, law, and research at reputed institutions like IITs, IIMs, and AIIMS are covered.
What is the maximum loan amount I can get?
Students can avail up to [?]15,00,000/- as an education loan.
How is the interest rate calculated?
A 4% simple interest rate applies, and an additional 0.5% reduction is available for female students.
Are collateral or guarantees required?
No collateral is required; however, a co-obligation from parents or legal guardians is necessary.
How can I apply for the scheme?
Register on the GSCC web portal, fill out the application form, and submit necessary documents like admission letters and fee schedules.
Can I choose any bank for the loan?
You must select a Member Lending Institution (MLI) from the onboarded banks listed on the portal.
What expenses does the loan cover?
The loan covers institutional fees, hostel expenses, and a portion for non-institutional costs like travel, rent, and study materials.