It is crucial to understand the
Guruji Student Credit Card eligibility
requirements to be able to apply for the scheme. The eligibility requirements for the scheme include that you must be a student, an Indian citizen, and have successfully cleared the 10th and 12th standards. To take advantage of the Yojana, there are various factors you must fulfil that are relevant to the
Guruji Student Credit Card Scheme (GSCC)
eligibility criteria. These criteria include qualifying for higher secondary education, whether the educational institution is recognised, whether you have reached the eligible age of applying for an education loan, and whether you have taken a loan before.
The scheme is a student financial assistance scheme launched by the Government of Jharkhand to aid students with financial constraints looking to pursue higher studies. If you are eligible, you can access education loans up to INR 15 lakh at a subsidised interest rate, and with loan disbursement made to the educational institution directly.
Also Read:
| How to Apply for Guruji Student Credit Card Yojana Jharkhand? | How to Check GSCC Loan Status Online? |
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| Guruji Student Credit Card College List | Is GSCC Loan Interest-Free? |
Guruji Student Credit Card Eligibility Criteria
The GSCC was designed to help students who are pursuing their studies in higher education, and to apply for the scheme, certain eligibility criteria must be adhered to. Below is the main criterion for eligibility for the scheme:
- You should be a student and a citizen of India.
- For diploma students, you must have passed Class 10. For undergraduate and higher-level courses, you must have passed Class 10 and Class 12 from an institution that is recognised by Jharkhand.
- You must have taken admission in a recognised college in Jharkhand or outside. Such as IIT, IIMs, NITs, AIIMS, XLRI, BITS, NID, IIFT, etc. The college must be ranked in the top 200 overall or in the top 100 in a category on the NIRF Rankings or must have an NAAC ‘A’ grade or higher.
- You must be in the age group of 20-40 at the time of submission of a loan application.
- You must not have previously availed of any benefits under the scheme.
- You must not have availed an education loan from any State Co-operative Bank, Central Co-operative Bank, District Central Co-operative Bank, or Public or Private sector bank for the same course for which he/she is seeking assistance under the scheme.
How to Apply Guruji Student Credit Card?
The Guruji Student Credit Card Scheme offers a simple online application process that allows access to financial assistance to support progression into higher education. Below is a quick guide on all stages of your application, login, and approval for your loan:
Registration Process
- Visit the official GSCCS website.
- Click "Registration."
- Enter your name, email ID, and the captcha code.
- Verify your mobile number with the OTP sent to your mobile.
- Then, you will get a registration number via SMS after successful verification.
Login & Application Form
- You will receive a User ID, Password, and a captcha that you will enter to log in.
- In the application form, you write your basic details and your address.
- Upload your profile photo and signature.
- Hit "Submit" and you're done! You will be given your application ID.
Knowing the Guruji Student Credit Card eligibility criteria of the scheme is important to have a seamless process while completing your application and to maximise your benefit from the scheme. There are several eligibility criteria to fulfil, from age to academic qualification to the institutions recognised, to the previous loan history. Anyone not fulfilling the conditions specified in the eligibility criteria will not be able to avail of the scheme under this Yojana. If you fulfil all of the stipulated conditions, you can avail of loans of up to INR15 lakh with a highly subsidised interest rate and relaxed repayment periods, lessening your financial burden during your student years.
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FAQs
The maximum loan amount provided under the Guruji Student Credit Card Scheme is up to INR15 lakh in education loans at a subsidized 4% interest rate, repayable over 15 years.
No, a student who has already taken an education loan cannot apply under this scheme. Students who have already availed an education loan from any Co-operative or Public/Private bank for the same course are not eligible.
Yes, students studying outside Jharkhand can apply for this scheme. Students studying outside Jharkhand are eligible, provided the institution is recognized by NIRF (Top 200/100) or has an NAAC accreditation of ‘A’ grade or higher.
Yes, there is an age limit for applying to the GSCC Scheme. The applicant must be between 20 to 40 years of age at the time of submitting the loan application.
To be eligible to apply for the Guruji Student Credit Card Scheme in Jharkhand, the applicant must be an Indian citizen, a student who has passed Class 10 and 12 (depending on the course), and must be enrolled in a recognized institution.
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