Students from Jharkhand who secure admission in recognized institutions in West Bengal 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 pursuing diploma, undergraduate, postgraduate, and PhD programs.
To qualify under GSCC, institutions must meet eligibility norms such as NIRF ranking criteria or NAAC accreditation requirements. Below is the structured list of approved institutions located in West Bengal.
Table of Contents
Eligible College List in West Bengal
| Sr. No. | Institution Name | State |
|---|---|---|
| 1 | ADAMAS UNIVERSITY | West Bengal |
| 2 | All India Institute of Medical Sciences, Kalyani | West Bengal |
| 3 | Amity University, North Twenty Four Parganas | West Bengal |
| 4 | ASANSOL ENGINEERING COLLEGE | West Bengal |
| 5 | Bankim Sardar College | West Bengal |
| 6 | Bankura Christian College | West Bengal |
| 7 | Behala College | West Bengal |
| 8 | Belda College | West Bengal |
| 9 | Bengal School Of Technology | West Bengal |
| 10 | Bethune College | West Bengal |
| 11 | Bidhan Chandra Krishi Vishwavidyalaya | West Bengal |
| 12 | University of Calcutta | West Bengal |
| 13 | Debra Thana Sahid Kshudiram Smriti Mahavidyalaya | West Bengal |
| 14 | Dr. B. C. Roy College of Pharmacy and Allied Health Sciences | West Bengal |
| 15 | Guru Nanak Institute of Dental Sciences and Research | West Bengal |
| 16 | Guru Nanak Institute of Pharmaceutical Science & Technology | West Bengal |
| 17 | Guru Nanak Institute of Technology, Kolkata | West Bengal |
| 18 | Haldia Institute of Technology | West Bengal |
| 19 | Heritage Institute of Technology (Autonomous) | West Bengal |
| 20 | Indian Institute of Engineering Science and Technology, Shibpur | West Bengal |
| 21 | Indian Institute of Information Technology, Kalyani | West Bengal |
| 22 | Indian Institute of Management Calcutta | West Bengal |
| 23 | Indian Institute of Science Education & Research Kolkata | West Bengal |
| 24 | Indian Institute of Technology Kharagpur | West Bengal |
| 25 | Indian Statistical Institute | West Bengal |
| 26 | Institute of Engineering and Management, Kolkata | West Bengal |
| 27 | Institute of Hotel Management, Kolkata | West Bengal |
| 28 | Institute of Post Graduate Medical Education & Research | West Bengal |
| 29 | Jadavpur University | West Bengal |
| 30 | JIS College of Engineering (Autonomous) | West Bengal |
| 31 | Kalna College | West Bengal |
| 32 | Kalyani University | West Bengal |
| 33 | Lady Brabourne College | West Bengal |
| 34 | Loreto College | West Bengal |
| 35 | MCKV Institute of Engineering | West Bengal |
| 36 | Medical College, Kolkata | West Bengal |
| 37 | Midnapore College | West Bengal |
| 38 | Narula Institute of Technology | West Bengal |
| 39 | National Institute of Fashion Technology, Kolkata | West Bengal |
| 40 | National Institute of Pharmaceutical Education and Research, Kolkata | West Bengal |
| 41 | National Institute of Technology Durgapur | West Bengal |
| 42 | Netaji Subhas Open University | West Bengal |
| 43 | Panskura Banamali College | West Bengal |
| 44 | Prabhat Kumar College | West Bengal |
| 45 | Presidency University | West Bengal |
| 46 | Raja Narendralal Khan Women’s College (Autonomous) | West Bengal |
| 47 | Ramakrishna Mission Residential College (Autonomous) | West Bengal |
| 48 | Ramakrishna Mission Vivekananda Educational and Research Institute | West Bengal |
| 49 | Salesian College | West Bengal |
| 50 | Sarojini Naidu College for Women | West Bengal |
| 51 | Scottish Church College | West Bengal |
| 52 | South Calcutta Girls College | West Bengal |
| 53 | St. Xavier’s College | West Bengal |
| 54 | Sundarban Mahavidyalaya | West Bengal |
| 55 | The University of Burdwan | West Bengal |
| 56 | The West Bengal National University of Juridical Sciences | West Bengal |
| 57 | Visva-Bharati University | West Bengal |
| 58 | Vivekananda College | West Bengal |
| 59 | West Bengal University of Animal and Fishery Sciences | West Bengal |
Institution Eligibility Criteria
- Institution must be recognized by UGC or relevant statutory authority.
- Must satisfy NIRF Top 200 (Overall) or Top 100 (Category) criteria OR
- Must hold NAAC Grade "A" or above.
- Admission must be confirmed 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 students from Jharkhand apply for the Guruji Student Credit Card Scheme to study in West Bengal institutions listed above?
Yes, permanent residents of Jharkhand who secure confirmed admission in recognized institutions located in West Bengal can apply under the GSCC scheme. The institution must satisfy NIRF ranking or NAAC accreditation requirements. Final loan approval is granted after document verification and institutional eligibility confirmation.
2. Is it mandatory to secure admission before applying for the Guruji Student Credit Card loan for these colleges?
Yes, confirmed admission is compulsory before submitting the GSCC application. Students must upload their admission letter and official fee structure during the application process. Applications without valid admission proof are generally not processed for approval.
3. What is the maximum loan amount available under the Guruji Student Credit Card Scheme for West Bengal institutions?
Eligible students can avail an education loan of up to ₹15 lakh under the scheme. The final sanctioned amount depends on the course fee structure and approved academic expenses. The loan covers tuition, hostel, books, and other permitted educational costs within the prescribed limit.
4. Are premier institutions like IIT, IIM, NIT, and AIIMS in West Bengal eligible under the GSCC scheme?
Yes, nationally recognized institutions such as IIT, IIM, NIT, AIIMS, and other centrally funded universities are generally eligible if they meet NIRF or accreditation criteria. These institutions typically fall within the required ranking brackets. Students must ensure their specific course is approved before applying.
5. Does the Guruji Student Credit Card loan cover hostel fees and living expenses for students studying in West Bengal?
Yes, the GSCC scheme covers hostel and mess charges as part of approved academic expenses. Additionally, limited living expenses may be included as per scheme guidelines. All expenses must fall within the sanctioned loan amount and institutional fee structure.
6. What is the interest rate applicable under the Guruji Student Credit Card Scheme for these colleges?
The scheme offers a subsidized simple interest rate of 4% per annum. This rate is significantly lower than standard education loans offered by banks. The reduced interest burden helps students manage repayment more comfortably after course completion.
7. When does repayment of the Guruji Student Credit Card loan start after completing studies in West Bengal?
Repayment begins after completion of the course along with a moratorium period of one year or after securing employment, whichever is earlier. This grace period allows students to stabilize financially before starting EMI payments. The total repayment tenure can extend up to 15 years.
8. Are private universities in West Bengal eligible under the GSCC scheme?
Private universities may be eligible if they meet the required NIRF ranking criteria or hold NAAC Grade "A" or above accreditation. Institutional recognition and course approval are important factors during verification. Students are advised to confirm eligibility before applying.
9. How can students track the status of their Guruji Student Credit Card application for West Bengal institutions?
Applicants can log in to the official GSCC portal using their registered credentials to track application progress. Status updates regarding verification, approval, or document deficiencies are available on the dashboard. Regular monitoring helps avoid delays in loan processing.