Jharkhand government is inviting Guruji Student Credit Card Scheme Online Registration Form 2025 at gscc.jharkhand.gov.in. Under GSCCS, the state govt. will provide soft loans upto Rs. 15 lakh to students at just 4% interest rate. For this purpose, applicants will have to apply for Guruji Student Credit Card Yojana at the official website. Read this article till the end to know how to apply online for Jharkhand Student Credit Card scheme, what is the eligibility criteria, list of documents required and other aspects regarding the scheme.
STEP 1: First of all, visit the Guruji Student Credit Card Scheme official website at https://gscc.jharkhand.gov.in/ STEP 2: At the homepage, click at “Registration” tab present in the main menu. STEP 3: Direct Link – https://gscc.jharkhand.gov.in/Student/Student/Registration STEP 4: Upon clicking the link, Guruji Student Credit Card Scheme Registration Form 2025 will open. Guruji Student Credit Card Scheme Registration Form STEP 5: Enter name, mobile number, email ID, password and click at “Register” button. STEP 6: Enter 6 digit OTP received on your registered email and verify it to complete GSCCS registration process. STEP 7: Once registered, applicant students can make sign in using the “Login” button present at the homepage. STEP 8: Accordingly, the Guruji Student Credit Card portal login page will appear as shown below:- Guruji Student Credit Card Portal Login STEP 9: Enter mobile no/email ID, password and click “Login” button to open Guruji Student Credit Card online application form. Guruji Student Credit Card Scheme Apply Online STEP 10: Fill in all the asked details accurately in the Guruji Student Credit Card scheme form to complete its apply online process.
Eligibility Criteria for GSCCS in Jharkhand
Applicant must be a permanent resident of Jharkhand State.
He/She must be studying from any college in India only.
He/she must not be a loan defaulter previously.
Maximum age of the applicant eligible to apply is 40 years.
Eligibility Criteria for Guruji Student Credit Card Yojana
List of Documents Required for GSCCS Jharkhand
Aadhar Card
Residence Certificate
Educational Certificate
Age Certificate
Active Mobile Number
Copy of Bank Passbook
2 Passport Size Photographs
GSCCS Interest Rate, Loan Amount, Duration
Guruji Student Credit Card maximum limit for each student shall be Rs. 15 lakh.
Students can spend upto 30% (Rs. 4.5 lakh) for non-institutional expenses such as lodging, food, books, laptops, etc.
The 30% percent component will go to the student, while the remaining 70% amount will go to institution as fees.
Students will get this credit at an interest rate of 4% and they will get 15 years time to repay the loan.
The EMI will start one year after completion of the course.
Banks will get 100% guarantee cover on loan amount by Jharkhand government.
There is no processing fee for loans taken under Guruji Student Credit Card Scheme.
Facility of 1% interest concession to students on returning full interest while studying.
No collateral security would be taken from students on taking loans.
Need for Guruji Student Credit Card Scheme Jharkhand
One of the major objectives of the Jharkhand govt. is to ensure that no student is denied the opportunity to pursue higher education because of their financial condition. To achieve this objective and to facilitate meritorious students from financially weaker sections to pursue higher studies, the state government proposes to support the students. This is done by providing an education loan, having a maximum limit of Rs. 15 lakhs (Rupees fifteen lakhs) available at subsidised rate of 4% simple interest rate per annum, so that the students can avail necessary funds as and when needed for their education.
Overview of Jharkhand Student Credit Card Scheme
Name of Scheme
Guruji Student Credit Card Scheme (GSCCS)
in Hindi
गुरुजी स्टूडेंट क्रेडिट कार्ड योजना
State
Jharkhand
Launched by
CM Hemant Soren
Implementation Year
2022 to present
Aim
To provide soft loans upto Rs. 15 lakh to students
Loan Repayment Period
15 years
Interest Rate on Loans
4%
When to Start Paying EMI
1 year after completion of course
Beneficiaries
Students
Background of Guruji Student Credit Card Yojana
Jharkhand Student Credit Card Scheme was announced by chief minister Hemant Soren at a function to mark two years of the JMM 1.0 on December 29, 2021. Now after being selected for the second time in a row, CM is continuing this scheme. The functionality to enroll in GSCC is now active. Please log in to proceed with your enrollment.
