This section answers the most common questions related to the Jharkhand Guruji Student Credit Card (GSCC) Scheme. The FAQs are designed to help students and parents clearly understand eligibility, loans, application, repayment, and benefits under the scheme.
The GSCC Scheme is an education loan initiative by the Government of Jharkhand. It provides financial assistance to students for higher education. Eligible students can avail loans up to ₹15 lakh. The scheme aims to remove financial barriers to education.
Permanent residents of Jharkhand are eligible to apply. Applicants must have passed Class 12. Admission to a recognized higher education course is required. Other scheme eligibility conditions must also be met.
The maximum loan amount under the GSCC Scheme is ₹15,00,000. The sanctioned amount depends on course fees and duration. Bank assessment and verification are mandatory. The loan is disbursed directly to the institution.
No collateral or property security is required under GSCC. The loan is sanctioned based on eligibility and documents. Parents or guardians usually act as co-applicants. This makes the scheme accessible to more students.
Repayment starts after completion of the course. A moratorium period is provided to students. This allows time to find employment. Repayment is done through monthly installments.
Yes, courses outside Jharkhand and abroad are covered. The institution and course must be officially recognized. Verification is required during counseling. Bank approval is subject to guidelines.
Students must apply through the official online portal. Registration, form submission, and document upload are required. Physical verification is done at the designated center. Bank processing follows after verification.
Yes, the GSCC Scheme is fully active in 2026. The application and monitoring process is digital. Students can track their application status online. The scheme continues to support higher education.