Students domiciled in Jharkhand who secure admission in recognized institutions located in Uttar Pradesh 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.
To qualify under GSCC, institutions must satisfy prescribed eligibility norms such as NIRF ranking criteria or NAAC accreditation requirements. Below is the consolidated and standardized list of eligible institutions located in Uttar Pradesh.
Table of Contents
Eligible College List in Uttar Pradesh
| Sr. No. | Institution Name | State |
|---|---|---|
| 1 | ABES Engineering College | Uttar Pradesh |
| 2 | Academy of Scientific and Innovative Research (AcSIR) | Uttar Pradesh |
| 3 | Acharya Narendra Deva University of Agriculture & Technology | Uttar Pradesh |
| 4 | Ajay Kumar Garg Engineering College | Uttar Pradesh |
| 5 | Aligarh Muslim University | Uttar Pradesh |
| 6 | AIIMS Gorakhpur | Uttar Pradesh |
| 7 | AIIMS Raebareli | Uttar Pradesh |
| 8 | Amity University, Uttar Pradesh | Uttar Pradesh |
| 9 | Babasheb Bhimrao Ambedkar University | Uttar Pradesh |
| 10 | Banaras Hindu University | Uttar Pradesh |
| 11 | Bennett University, Greater Noida | Uttar Pradesh |
| 12 | Birla Institute of Management Technology | Uttar Pradesh |
| 13 | Bundelkhand University | Uttar Pradesh |
| 14 | Chaudhary Charan Singh University | Uttar Pradesh |
| 15 | Dayalbagh Educational Institute | Uttar Pradesh |
| 16 | Deen Dayal Upadhyaya Gorakhpur University | Uttar Pradesh |
| 17 | Footwear Design & Development Institute, Noida | Uttar Pradesh |
| 18 | GLA University, Mathura | Uttar Pradesh |
| 19 | Galgotias University | Uttar Pradesh |
| 20 | Harcourt Butler Technical University | Uttar Pradesh |
| 21 | Indian Institute of Information Technology, Allahabad | Uttar Pradesh |
| 22 | Indian Institute of Information Technology, Lucknow | Uttar Pradesh |
| 23 | Indian Institute of Management, Lucknow | Uttar Pradesh |
| 24 | IIT (BHU) Varanasi | Uttar Pradesh |
| 25 | Indian Institute of Technology, Kanpur | Uttar Pradesh |
| 26 | King George’s Medical University, Lucknow | Uttar Pradesh |
| 27 | Madan Mohan Malaviya University of Technology | Uttar Pradesh |
| 28 | Mahatma Jyotiba Phule Rohilkhand University | Uttar Pradesh |
| 29 | Motilal Nehru National Institute of Technology | Uttar Pradesh |
| 30 | National Institute of Fashion Technology, Raebareli | Uttar Pradesh |
| 31 | National Institute of Pharmaceutical Education and Research, Raebareli | Uttar Pradesh |
| 32 | Noida Institute of Engineering and Technology | Uttar Pradesh |
| 33 | Noida International University | Uttar Pradesh |
| 34 | Rajiv Gandhi Institute of Petroleum Technology | Uttar Pradesh |
| 35 | Rani Lakshmi Bai Central Agricultural University | Uttar Pradesh |
| 36 | Sanjay Gandhi Postgraduate Institute of Medical Sciences | Uttar Pradesh |
| 37 | Sharda University | Uttar Pradesh |
| 38 | Shiv Nadar University (Institution of Eminence) | Uttar Pradesh |
| 39 | Swami Vivekanand Subharti University | Uttar Pradesh |
| 40 | Teerthanker Mahaveer University | Uttar Pradesh |
| 41 | University of Allahabad | Uttar Pradesh |
| 42 | University of Lucknow | Uttar Pradesh |
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 loan application.
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 the Guruji Student Credit Card Scheme to study in Uttar Pradesh institutions listed above?
Yes, permanent residents of Jharkhand who secure confirmed admission in eligible institutions located in Uttar Pradesh can apply under GSCC. The institution must meet NIRF or NAAC accreditation norms. Final loan approval is subject to document verification and institutional eligibility confirmation.
2. Is confirmed admission required before applying for the GSCC loan for Uttar Pradesh colleges?
Yes, confirmed admission is mandatory before submitting the online application. Students must upload their admission letter and official fee structure during registration. Applications without proper admission proof are generally not processed.
3. What is the maximum loan amount available under the Guruji Student Credit Card Scheme?
Eligible students can avail up to ₹15 lakh depending on course fees and approved academic expenses. The sanctioned amount is based on institutional fee structure and scheme guidelines. Verification by the lending institution determines the final approval.
4. Are premier institutions like IIT Kanpur, BHU, IIM Lucknow, and AIIMS covered under the scheme?
Yes, nationally recognized institutions that meet prescribed ranking and accreditation criteria are eligible. Most centrally funded institutions fall within the required NIRF categories. Students must confirm course eligibility before applying.
5. Does the GSCC loan cover hostel, tuition, and additional academic expenses?
Yes, the scheme covers tuition fees, hostel and mess charges, books, and other approved academic expenses. Certain living expenses may also be included within the sanctioned limit. All components must comply with GSCC guidelines.
6. What interest rate is applicable under the GSCC scheme?
The loan carries a subsidized simple interest rate of 4% per annum. This rate is significantly lower than conventional bank education loans. Interest calculation follows the simple interest model as prescribed by the scheme.
7. When does repayment of the GSCC loan begin after completing studies?
Repayment starts after completion of the course along with a one-year moratorium period or upon securing employment, whichever occurs earlier. This grace period allows students time to stabilize financially before EMI payments begin.
8. Are private universities in Uttar Pradesh eligible under the Guruji Student Credit Card Scheme?
Private universities may be eligible if they meet NIRF ranking criteria or hold NAAC Grade "A" or above accreditation. Institutional recognition and compliance are verified during the approval process. Students should confirm eligibility before applying.
9. How can applicants track their Guruji Student Credit Card loan application status?
Students can log in to the official GSCC portal to track application progress. The dashboard provides updates on verification, approval, and pending documentation. Regular monitoring helps avoid delays in loan processing.