Students who are permanent residents of Jharkhand and secure confirmed admission in recognized institutions located in Punjab can apply for financial assistance under the Guruji Student Credit Card (GSCC) Scheme. The scheme provides collateral-free education loans up to ₹15 lakh for diploma, undergraduate, postgraduate, and doctoral programs.
Below is the complete list of institutions in Punjab as provided in the official dataset.
Table of Contents
Eligible College List in Punjab
| Sr. No. | Institution Name | State |
|---|---|---|
| 1 | All India Institute of Medical Sciences, Bathinda | Punjab |
| 2 | Amar Shaheed Baba Ajit Singh Jujhar Singh Memorial College of | Punjab |
| 3 | Amritsar Group Of Colleges | Punjab |
| 4 | Apeejay College Of Fine Arts | Punjab |
| 5 | Arya College,Ludhiana | Punjab |
| 6 | Baba Banda Singh Bahadur Engineering College | Punjab |
| 7 | Baba Farid College of Engineering and Technology, Bathinda, Punjab | Punjab |
| 8 | Central University of Punjab | Punjab |
| 9 | Chandigarh College of Pharmacy, Landran | Punjab |
| 10 | Chandigarh Engineering College,Jhanjeri | Punjab |
| 11 | Chandigarh Engineering College-CGC, Landran, Mohali | Punjab |
| 12 | Chandigarh School of Business, Jhanjeri, Mohali | Punjab |
| 13 | Chandigarh Univeristy | Punjab |
| 14 | Chandigarh University | Punjab |
| 15 | Chitkara University | Punjab |
| 16 | Christian Dental College | Punjab |
| 17 | Christian Dental College Ludhiana | Punjab |
| 18 | Christian Medical College, Brown Road, Ludhiana | Punjab |
| 19 | CT Institute of Engineering, Management and Technology, Jalandar | Punjab |
| 20 | Dayanand Medical College | Punjab |
| 21 | Desh Bhagat University | Punjab |
| 22 | Dev Samaj College For Women | Punjab |
| 23 | Dev Samaj College Of Education | Punjab |
| 24 | Dr. B R Ambedkar National Institute of Technology, Jalandhar | Punjab |
| 25 | Dr. B. R. Ambedkar National Institute of Technology, Jalandhar | Punjab |
| 26 | General Shivdev Singh Diwan Gurbachan Singh Khalsa College Patiala | Punjab |
| 27 | Global Group Of Institutes | Punjab |
| 28 | Govt Rajmohini Devi Girls Post Graduate College | Punjab |
| 29 | Gulzar Group Of Institutions | Punjab |
| 30 | Guru Angad Dev Veterinary & Animal Sciences University | Punjab |
| 31 | Guru Kashi University | Punjab |
| 32 | Guru Nanak College Budhlada | Punjab |
| 33 | Guru Nanak Dev Engineering College | Punjab |
| 34 | Hans Raj Mahila Maha Vidyalaya | Punjab |
| 35 | I. S. F. College of Pharmacy | Punjab |
| 36 | Indian Institute of Management Amritsar | Punjab |
| 37 | Indian Institute of Management, Amritsar | Punjab |
| 38 | Indian Institute of Science Education & Research, Mohali | Punjab |
| 39 | Indian Institute of Science Education and Research, Mohali | Punjab |
| 40 | Indian Institute of Technology Ropar | Punjab |
| 41 | Institute of Hotel Management, Catering Technology and Applied Nutrition, Gurdaspur | Punjab |
| 42 | Isf College Of Pharmacy | Punjab |
| 43 | ISF College of Pharmacy,GT Road, Ghal- Kalan,Moga - 142001 | Punjab |
| 44 | Kanya Maha Vidyalaya, Jalandhar | Punjab |
| 45 | Kenway College Of Education | Punjab |
| 46 | Khalsa College For Women | Punjab |
| 47 | Khalsa College Of Education Ranjit Avenue Amritsar | Punjab |
| 48 | Khalsa College Of Engineering And Technology | Punjab |
| 49 | Lovely Professional University | Punjab |
| 50 | Lyallpur Khalsa College, Jalandhar | Punjab |
| 51 | Mata Gujri College (Autonomous) | Punjab |
| 52 | Mehr Chand Mahajan Dav College For Women | Punjab |
| 53 | National Institute of Pharmaceutical Education and Research, Mohali | Punjab |
| 54 | Post Graduate Government College For Girls Sector 11 Chandigarh | Punjab |
| 55 | Post Graduate Government College For Girls Sector 42 Chandigarh | Punjab |
| 56 | Punjab Agricultural University, Ludhiana | Punjab |
| 57 | Punjabi University, Patiala | Punjab |
| 58 | Sant Longowal Institute of Engineering and Technology Longowal | Punjab |
| 59 | Shree Atam Vallabh Jain College | Punjab |
| 60 | Shri Sanatan Dharam Girls College | Punjab |
| 61 | Sri Aurobindo College Of Commerce And Management | Punjab |
| 62 | Sri Guru Gobind Singh College | Punjab |
| 63 | Sri Guru Teg Bahadur Khalsa College, Anandpur Sahib, Ropar – 140118 | Punjab |
| 64 | Thapar Institute of Engineering and Technology (Deemed-to-be-university) | Punjab |
| 65 | Thapar Institute Of Engineering And Technology University | Punjab |
Institution Eligibility Criteria
- Institution must be recognized by UGC or relevant statutory authority.
- Must fall under NIRF Top 200 (Overall) or Top 100 (Category), OR
- Must hold NAAC Grade "A" or above accreditation.
- Confirmed admission is mandatory before applying under GSCC.
GSCC Loan Benefits
- Loan amount up to ₹15 lakh
- 4% simple interest rate
- No collateral required
- Moratorium during course duration + 1 year
- Repayment tenure up to 15 years
Frequently Asked Questions (FAQs)
1. Can Jharkhand students apply for GSCC to study in Punjab institutions?
Yes, permanent residents of Jharkhand who secure confirmed admission in eligible Punjab institutions can apply under the Guruji Student Credit Card Scheme. Institutions must meet prescribed NIRF or NAAC accreditation norms. Final approval depends on verification by the lending authority.
2. Is admission mandatory before applying for GSCC in Punjab?
Yes, confirmed admission is compulsory before submitting the loan application. Students must upload the admission letter and official fee structure during online registration. Applications without valid documentation are generally not processed.
3. What is the maximum loan amount available under GSCC?
Eligible students can avail loans up to ₹15 lakh depending on course fees and approved academic expenses. The sanctioned amount is determined after institutional verification. Tuition, hostel, and academic charges are covered within scheme limits.
4. Are premier institutions like IIT Ropar and NIT Jalandhar eligible under GSCC?
Yes, centrally funded institutions typically meet national ranking and accreditation criteria and are eligible under the scheme. Students must ensure their specific course qualifies before applying.
5. Does the GSCC loan cover hostel and academic expenses?
Yes, tuition fees, hostel charges, books, and other approved academic expenses are covered. Limited living expenses may also be included within the sanctioned amount as per official guidelines.
6. What interest rate applies under GSCC?
The scheme provides loans at a subsidized simple interest rate of 4% per annum. This significantly reduces financial burden compared to conventional bank education loans.
7. When does repayment begin?
Repayment starts after completion of the course along with a one-year moratorium period or after securing employment. This grace period allows financial stability before EMI payments begin.
8. Are private universities in Punjab eligible under GSCC?
Private universities may be eligible if they meet NIRF ranking criteria or hold NAAC Grade "A" or above accreditation. Institutional compliance is verified during loan approval.
9. How can students track their GSCC application status?
Students can log in to the official GSCC portal to monitor updates regarding verification, approval, or pending documents. Regular tracking ensures timely loan processing.