🌾 Jharkhand State SchemeActive since 2022
Target: Education🏛️ Department of Higher and Technical Education, Government of Jharkhand
Guruji Student Credit Card Yojana (GSCCY) 2026: Rs. 15 Lakh Collateral-Free Education Loan @ 4% Interest, Eligibility & Online Portal Status
Financial Benefit: Collateral-free Education Loan up to Rs. 15,00,000/- at 4% Simple Interest with 15-Year Repayment Window
Objective & Key Highlights / योजना के मुख्य उद्देश्य
Guruji Student Credit Card Yojana (GSCCY) is a flagship higher education loan scheme launched by the Government of Jharkhand to ensure that underprivileged students are not deprived of professional and higher education due to financial distress. Under the scheme, students pursuing engineering, medical, law, management, civil services, and other undergraduate/postgraduate degrees can avail up to ₹15 Lakhs loan without collateral security or third-party guarantors. The government acts as the guarantor through a dedicated credit guarantee fund. The loan carries an interest rate of only 4% simple interest per annum, with a 1% interest subvention for timely payments. Repayment begins only after a moratorium period (course duration + 1 year), giving students ample time to secure employment before paying EMIs.
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0 of 6 verifiedInteractive Eligibility Checklist / पात्रता जांचें
Tap each criterion you satisfy to verify your eligibility for this government benefit scheme:
Select the conditions above to evaluate your eligibility.
Mandatory Documents Checklist / आवश्यक दस्तावेज
📄Aadhaar Card of the student and co-borrower (parent/guardian)
📄Permanent Resident Certificate (Domicile) of Jharkhand issued by competent revenue authority
📄Class 10th and Class 12th Marksheets and Passing Certificates
📄Proof of Admission / Offer Letter / Fee Structure from the recognized institution
📄Bank Account Passbook / Statement of student and co-borrower (Aadhaar linked)
📄PAN Card of the student and co-borrower
📄Recent passport-sized photographs of student and co-borrower
📄Course fee breakdown certificate issued by the institution
Step-by-Step Registration & Status Check Guide
1Step 1: Visit the official Guruji Student Credit Card portal at gurujiscc.jharkhand.gov.in and click on 'Student Registration'.
2Step 2: Enter personal details including full name, mobile number, email ID, Aadhaar number, and verify using OTP to generate login credentials.
3Step 3: Login to the applicant dashboard and fill in academic details, institutional admission information, and loan amount requested.
4Step 4: Upload scanned self-attested copies of Domicile Certificate, 10th/12th marksheets, institution admission slip, fee structure, and bank passbook.
5Step 5: Review the declaration, choose your preferred bank branch from the empaneled partner banks, and submit the online application.
6Step 6: Track your application approval stages: College Verification -> State Level Committee Scrutiny -> Bank Sanction -> Loan Agreement Signing & Disbursement.
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100% Verified Official Government Portal & Links
Direct official `.gov.in` domain access — No spam, no third-party redirect traps.
📞Official Helpline & Grievance Redressal: 1800-345-6544 (Toll-Free Higher Education Helpline) / Email: [email protected]
Frequently Asked Questions — Guruji Student Credit Card Yojana (GSCCY) 2026: Rs. 15 Lakh Collateral-Free Education Loan @ 4% Interest, Eligibility & Online Portal Status (अक्सर पूछे जाने वाले सवाल)
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