Guruji Student Credit Card Scheme 2026: Eligibility, Loan Amount & How to Apply
Guruji Student Credit Card Scheme (GSCC) is an education loan scheme introduced by the Government of Jharkhand to help students pursue higher education without letting financial difficulties come in the way. Under the scheme, eligible students can get an education loan at a subsidised interest rate of 4% simple interest, subject to the applicable eligibility criteria and scheme guidelines.
What Is the Guruji Student Credit Card Scheme?
Guruji Student Credit Card Scheme was introduced by the Jharkhand government to make higher education more accessible to students who may find it difficult to arrange the required funds.
Under the scheme, eligible students can apply for an education loan of up to ₹15 lakh at 4% simple interest per annum. The government guidelines specify the maximum loan amount and the subsidised interest structure applicable under the scheme.
Explore : E‑Kalyan Jharkhand Scholarship Portal – 2026 Guide
Guruji Student Credit Card Eligibility
Before applying, students should check the latest scheme guidelines because eligibility may vary depending on the course, institution and other conditions.
1)The applicant must fulfil the applicable Jharkhand residency requirements.
2)Students should have the required academic qualifications, including Class 10 and Class 12.
3)The student must have secured admission to an eligible course and institution covered under the scheme.
4)Eligible diploma programmes may also be covered under the applicable rules.
5)Additional conditions prescribed by the Government of Jharkhand or the concerned institution may also apply.
How Much Loan Can Students Get?
Under the Guruji Student Credit Card Scheme, eligible students can get an education loan of up to ₹15 lakh.However, the maximum amount is not automatically sanctioned to every applicant. The final loan amount can depend on factors such as the student's course, eligible expenses, fee structure, documents, institution and applicable loan conditions.
What Expenses Are Covered Under Guruji Student Credit Card?
The loan used for various eligible expenses related to higher education. Depending on the applicable guidelines, these may include:
1)Tuition and course fees
2)Examination and academic fees
3)Library and other institutional charges
4)Books and study materials
5)Laptop or other educational equipment
6)Hostel and accommodation expenses
How to Apply for Guruji Student Credit Card Online?
Students can use the official Guruji Student Credit Card portal to check eligibility and complete the application process.
Step 1: Check Eligibility
Step 2: Visit the Official Portal
Step 3: Register and Login
Step 4: Fill in the Application Form
Step 5: Upload the Required Documents
Step 6: Submit the Application
Step 7: Verification and Loan Processing
Guruji Student Credit Card Interest Rate and Repayment
The Guruji Student Credit Card Scheme provides a subsidised interest rate of 4% simple interest per annum for eligible students.The repayment period can extend up to 15 years, depending on the applicable scheme and loan conditions.