The Jharkhand Guruji Student Credit Card Scheme (GSCC) helps students pursue higher education without financial burden by offering education loans up to ₹15 lakh at low interest rates. To successfully apply in 2026, students must submit the correct documents for identity verification, admission confirmation, and financial assessment.
| Key Details | Information |
|---|---|
| Scheme Name | Jharkhand Guruji Student Credit Card Scheme (GSCC) |
| Maximum Loan Amount | Up to ₹15 Lakh |
| Eligible Applicants | Permanent residents of Jharkhand pursuing higher education |
| Mandatory Documents | Identity proof, domicile certificate, admission letter, academic marksheets, income proof |
| Income Proof Required | Income certificate, salary slips, bank statements, ITR (if applicable) |
| Co-Applicant Requirement | Parent or legal guardian with identity & income proof |
| Bank Details Needed | Student bank account, passbook copy, IFSC & cancelled cheque |
| Additional Documents | Caste certificate, entrance exam scorecard, disability certificate, gap affidavit (if applicable) |
| Document Format | Clear scanned copies in PDF or JPEG format |
| Purpose of Documents | Identity verification, admission confirmation, financial assessment & loan approval |
Note: Aadhaar is preferred for digital verification.
1. What documents are required for Jharkhand Guruji Student Credit Card Scheme?
Students must submit identity proof, Jharkhand domicile certificate, academic marksheets, admission letter, and income certificate. Bank account details, passport-size photographs, and co-applicant documents are also required. These documents help authorities verify eligibility and financial background. Submitting accurate and complete documents ensures faster loan approval.
2. Is the domicile certificate mandatory for GSCC Jharkhand application?
Yes, the Guruji Student Credit Card Scheme is only available to permanent residents of Jharkhand. A domicile certificate serves as the primary proof of residency. While Aadhaar or voter ID showing a Jharkhand address may sometimes be accepted, a domicile certificate is strongly recommended. Providing it reduces the risk of application rejection.
3. Do students need income proof to apply for the Guruji Credit Card Scheme?
Yes, family income proof is required to assess financial eligibility under the scheme. Students must submit an income certificate issued by a competent authority. Supporting documents such as salary slips, bank statements, or income tax returns may also be requested. This helps ensure that financial assistance reaches deserving students.
4. Who can be the co-applicant for the Guruji Student Credit Card Scheme?
A parent or legal guardian must act as the co-applicant for the loan. They need to provide identity proof, address proof, and income-related documents. The co-applicant agrees to repayment responsibility if required. This requirement strengthens financial security and improves loan approval chances.
5. Can I apply without an admission letter from the college?
No, admission confirmation is mandatory to apply for the scheme. Students must provide an admission or offer letter issued by a recognized institution. The fee structure and course details are also required for verification. Without proof of admission, the loan application cannot be processed.
6. What additional documents may be required during verification?
Authorities may request entrance exam scorecards, caste certificates, disability certificates, or gap year affidavits if applicable. Students staying in hostels may need to submit hostel fee receipts. These documents help verify eligibility under special categories. Requirements may vary depending on the course and institution.
7. How should documents be uploaded during the online application?
Documents should be clearly scanned and uploaded in PDF or JPEG format as per portal guidelines. Ensure that all text is readable and details match the application form. File size limits must be followed to avoid upload errors. Clear and accurate uploads help speed up verification.
8. What are common reasons for document rejection in GSCC applications?
Applications are often rejected due to name mismatches, blurred scans, expired income certificates, or missing domicile proof. Incorrect admission documents or bank details can also cause delays. Students should carefully review all documents before submission. Proper documentation ensures smooth processing and faster approval.