Students domiciled in Jharkhand who secure admission in recognized institutions located in Uttarakhand 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 PhD programs.
To qualify under GSCC, institutions must meet prescribed eligibility norms such as NIRF ranking criteria or NAAC accreditation requirements. Below is the structured list of eligible institutions located in Uttarakhand.
Table of Contents
Eligible College List in Uttarakhand
| Sr. No. | Institution Name | State |
|---|---|---|
| 1 | All India Institute of Medical Sciences, Rishikesh | Uttarakhand |
| 2 | DIT University, Dehradun | Uttarakhand |
| 3 | Dolphin P.G. Institute of Bio-Medical and Natural Sciences | Uttarakhand |
| 4 | Graphic Era Deemed to be University | Uttarakhand |
| 5 | Indian Institute of Management, Kashipur | Uttarakhand |
| 6 | Indian Institute of Technology, Roorkee | Uttarakhand |
| 7 | JB Institute of Technology, Dehradun | Uttarakhand |
| 8 | Kumaun University, Nainital | Uttarakhand |
| 9 | National Institute of Technology, Uttarakhand | Uttarakhand |
| 10 | Roorkee Institute of Technology | Uttarakhand |
| 11 | Shivalik College of Engineering | Uttarakhand |
| 12 | Tula's Institute | Uttarakhand |
| 13 | University of Petroleum and Energy Studies (UPES) | Uttarakhand |
| 14 | Uttaranchal University | Uttarakhand |
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
- Subsidized simple interest rate of 4% per annum
- No collateral or third-party guarantee 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 Uttarakhand institutions listed above?
Yes, students who are permanent residents of Jharkhand and have secured confirmed admission in eligible Uttarakhand institutions can apply under GSCC. The institution must satisfy NIRF ranking or NAAC accreditation requirements. Final approval is granted after document verification.
2. Is admission confirmation mandatory before applying for the GSCC loan in Uttarakhand colleges?
Yes, confirmed admission is compulsory before submitting the loan application. Students must upload their admission letter and official fee structure during the online process. Applications without valid admission proof are generally not considered.
3. What is the maximum loan amount available under the GSCC scheme for Uttarakhand institutions?
Eligible students can avail up to ₹15 lakh depending on the course fee structure and approved expenses. The loan amount is sanctioned based on tuition fees and permissible academic costs. Final approval depends on verification by the lending authority.
4. Are central institutions like IIT Roorkee, IIM Kashipur, and AIIMS Rishikesh covered under the scheme?
Yes, premier central institutions generally qualify as they meet national ranking and accreditation standards. These institutions typically fall within the prescribed NIRF criteria. Students must ensure their specific course is eligible under GSCC guidelines.
5. Does the GSCC loan cover hostel charges and living expenses for students studying in Uttarakhand?
Yes, the scheme covers hostel and mess charges as part of approved academic expenses. Limited living expenses may also be included within the sanctioned loan limit. All components must comply with official GSCC guidelines.
6. What interest rate is applicable under the Guruji Student Credit Card Scheme?
The scheme offers a subsidized simple interest rate of 4% per annum. This lower rate reduces the overall financial burden compared to conventional bank education loans. Interest is calculated on a simple basis as per scheme rules.
7. When does repayment of the GSCC loan begin after completing studies in Uttarakhand?
Repayment starts after completion of the course along with a one-year moratorium period or after securing employment, whichever occurs earlier. This grace period allows students to stabilize financially. The repayment tenure can extend up to 15 years.
8. Are private universities in Uttarakhand eligible under the Guruji Student Credit Card Scheme?
Private universities may be eligible if they meet NIRF ranking requirements 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 monitor application status updates. The dashboard displays verification progress, approval status, and pending document notifications. Regular tracking helps prevent delays in loan processing.