Here is the whole scheme in one place: what you get, who qualifies, how to apply, and what to check.
| Scheme | Guruji Student Credit Card Yojana (Jharkhand) |
|---|---|
| Department | Education Department, Government of Jharkhand |
| Benefit | Education loan up to Rs 15 lakh |
| Interest | Simple interest of 4 per cent a year |
| Who can apply | Students of Jharkhand who want higher education |
| Apply at | gscc.jharkhand.gov.in or the bank listed for the scheme |
| Cost to apply | Free |
Key points
- Loans go up to Rs 15 lakh for higher education.
- Interest is simple, at 4 per cent a year.
- Only residents of Jharkhand can apply.
- Apply online on the official portal and keep documents ready.
So what exactly does a student get?
The scheme gives an education loan through a credit card, up to Rs 15 lakh.
The interest is simple, at 4 per cent a year. This is much lower than normal education loans.
The loan is meant for higher education. Check the portal for the exact courses and institutions covered.
Amounts and terms can change, so confirm the current figures on the official site.
Who can apply, and who cannot?
This scheme is only for residents of Jharkhand. Students from other states cannot apply.
The student should be planning or pursuing higher education. Check the official portal for the exact class and course rules.
Income and other limits may apply. Confirm the current conditions on the official site before applying.
Why was this scheme started?
The Jharkhand government runs this scheme under the Education Department.
It was launched to help students who cannot afford higher education costs.
Recently, the Chief Minister distributed the cards to beneficiaries, and the scheme has reached over 2,400 students so far.
What documents should you keep ready?
Keep your Aadhaar card and a valid mobile number ready.
Keep your school or college mark sheets and admission proof.
Keep your bank account details and a recent passport size photo.
Keep your residence proof and family income details, as the portal may ask for them.
How do you apply online, step by step?
Go to gscc.jharkhand.gov.in and look for the registration or apply option.
Fill in your personal details, education details and bank details carefully.
Upload your documents in the format and size the portal asks for.
Submit the form and save the application number for future checks.
- 1Go to the official portalVisit gscc.jharkhand.gov.in and look for the registration or apply option.
- 2Fill in your detailsEnter your personal, education and bank details carefully.
- 3Upload your documentsUpload documents in the format and size the portal asks for.
- 4Submit and save the numberSubmit the form and save the application number for future checks.
Graphic: News Anek, from the facts in this report
Can you apply offline?
Some students may apply through the bank or a designated office for the scheme.
Ask at the bank or the education office in your district about the offline process.
How do you check status, and what if it is stuck?
Use the status check option on the official portal with your application number.
If your application is delayed, check that your documents are correct and uploaded clearly.
For any problem, contact the education department office in your district.
Important tips and warnings
Never pay any agent or person to get this loan. Apply only through the official portal or the bank.
Do not share your OTP or bank password with anyone who calls you.
Confirm all current amounts and rules on the official site before you apply.
Frequently asked questions
What is the maximum loan under this scheme?
The scheme gives loans up to Rs 15 lakh for higher education. Check the official site for the latest details.
What is the interest rate?
The interest is simple, at 4 per cent a year.
Can students from other states apply?
No. This scheme is only for residents of Jharkhand.
Is there any fee to apply?
No. You should not pay any agent. Apply only through the official portal or the bank.
Where can I check the latest rules?
Visit gscc.jharkhand.gov.in for the current rules, amounts and application process.
Official links
This guide is based on official scheme rules. Rules and amounts can change, so always confirm on the official website before you apply. News Anek is not a government website.
