Scholarship
Guruji Student Credit Card (GSCC) Scheme(GSCCS)
Overview
About GSCCS
The Guruji Student Credit Card (GSCC) Scheme is an education-loan programme run by the Department of Higher and Technical Education, Government of Jharkhand. The state's chief minister launched it in March 2024 to help students in Jharkhand fund higher studies without stalling for want of money.
The benefit is delivered as a subsidised, collateral-free education loan, with the state government acting as guarantor. Repayment is structured to begin only after the course ends, so the debt does not fall due while a student is still studying. It is meant for students who have passed Class 10 or Class 12 from recognised schools in Jharkhand and want to continue into a diploma, undergraduate or higher course.
Eligibility is tied to where a student gets admitted. The scheme supports admission at institutions that rank among the top 200 overall, or the top 100 of their category, on India's National Institutional Ranking Framework (NIRF), whether inside or outside Jharkhand but within India. Applicants must be domiciled in Jharkhand.
Sources: myScheme - Guruji Student Credit Card Loan Scheme (GSCCS) · Careers360 - Jharkhand CM rolls out two schemes for students pursuing higher education · GovtSchemes.in - Jharkhand Guruji Student Credit Card Scheme
Who runs it
Provider
Jharkhand State Government
State / UT Government
Higher and Techical Education Department
At a glance
Key details
| Level | State/ UT |
| Scheme type | — |
| Category | Education & Learning, Banking,Financial Services and Insurance |
| Beneficiaries | Individual |
| Benefit type | Cash |
| Application mode | Online |
Calendar
Important dates
Across all open application cycles.
| Cycle | Stage | Date |
|---|
Who can apply
Eligibility criteria
| 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. |
What you get
Award & benefits
- 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.
What to prepare
Documents required
Step by step
How to apply
- 1Apply online
See the official links below for the application portal.
Source
Official links
Questions
GSCCS – FAQ
Disclaimer
Scheme details are compiled from myScheme, the Government of India’s official scheme-discovery platform, and are reproduced without alteration. Amounts, deadlines and eligibility change between cycles — always confirm on the official links above before applying. Expertie does not process applications or charge fees.