Guruji Student Credit Card Scheme (GSCC)

Courses Covered Under GSCC Scheme

The Jharkhand Guruji Student Credit Card (GSCC) Scheme provides education loans to students for a wide range of recognized courses. The goal is to make higher education accessible and affordable for every deserving student of Jharkhand — whether they choose professional, technical, vocational, or general academic programs.

Below is a detailed overview of the types of courses covered under the GSCC Scheme, eligibility guidelines, and conditions related to recognized institutions.

Table of Contents

• Professional Courses
   
• Technical and Skill Development Courses
   
• General Degree Courses
   
• Vocational and Job-Oriented Programs
   
• Foreign and Overseas Education Courses
   
• Distance Learning and Online Education
   
• Government-Recognized Competitive Exam Programs
   
• Recognized Institutions
   
• Non-Eligible Courses
   
• Summary Table – Courses Covered Under GSCC Scheme
   
• Frequently Asked Questions (FAQs)

1. Professional Courses

The GSCC Scheme covers a broad category of professional degree programs that lead to specialized careers and skill-based employment. These include:

• Engineering (B.E., B.Tech, M.Tech)
   
• Medical and Health Sciences (MBBS, BDS, BHMS, BAMS, Nursing, Paramedical courses)
   
• Law (LLB, LLM)
   
• Architecture (B.Arch, M.Arch)
   
• Management (BBA, MBA, PGDM, Executive MBA)
   
• Pharmacy (B.Pharm, M.Pharm)
   
• Agriculture and Allied Sciences (B.Sc. Agri, Dairy Technology, Veterinary Science)
• Chartered Accountancy (CA), Company Secretary (CS), Cost Management (CMA)

These programs must be pursued in colleges or universities recognized by the respective regulatory bodies such as AICTE, UGC, MCI, BCI, or NCTE.

2. Technical and Skill Development Courses

The GSCC Scheme also promotes technical education and skill-based training, helping students prepare for employment in the industrial and digital sectors. Eligible courses include:

• Polytechnic Diplomas and Advanced Diplomas
   
• Industrial Training Institute (ITI) Programs
   
• Computer Science and Information Technology Courses (BCA, MCA, etc.)
   
• Robotics, Artificial Intelligence, and Data Analytics Programs
   
• Software Development, Cybersecurity, and Networking Certifications
   
• Short-term government-recognized skill development programs under NSDC or State Skill Missions

Note: The institution must be approved by the Directorate of Technical Education, Jharkhand or the *All India Council for Technical Education (AICTE).

3. General Degree Courses

Students pursuing traditional academic programs at the undergraduate or postgraduate level are also eligible under the GSCC Scheme. These include:

• Bachelor’s Degrees: B.A., B.Sc., B.Com.
   
• Master’s Degrees: M.A., M.Sc., M.Com.
   
• Honours and integrated degree programs (e.g., B.A.+M.A., B.Sc.+M.Sc.)
   
• Research-oriented programs (M.Phil., Ph.D.) from recognized universities

These programs must be offered by institutions affiliated with recognized universities and accredited by NAAC or UGC.

4. Vocational and Job-Oriented Programs

The GSCC Scheme encourages students to pursue vocational courses that enhance employability and technical skills. Covered programs include:

• Diploma and Certificate courses in Hotel Management, Tourism, and Culinary Arts
   
• Fashion Designing, Interior Designing, and Textile Technology
   
• Aviation, Air Hostess, and Airport Management
   
• Animation, Graphic Designing, and Multimedia Technology
   
• Journalism, Mass Communication, and Public Relations
   
• Automobile, Electrical, and Mechanical Maintenance Courses
   
• Banking, Finance, and Insurance Sector Programs

These programs must be approved by the relevant state or national boards, or offered by government-recognized institutions.

5. Foreign and Overseas Education Courses

The GSCC Scheme also extends support to students pursuing higher education abroad, provided they meet the eligibility requirements and secure admission in recognized foreign universities.

Eligible international programs include:

• Undergraduate and Postgraduate degree programs (B.Sc., M.Sc., MBA, M.Tech, etc.)
   
• Professional or Research-oriented programs recognized by international educational authorities
   
• Courses that are officially accepted by the Government of India or AIU (Association of Indian Universities)

Note: Students must provide a valid admission letter, visa details, and cost structure of the foreign institution while applying.

6. Distance Learning and Online Education

While the GSCC Scheme primarily supports full-time education, select distance or online learning programs may be considered only if they are recognized by UGC-DEB (Distance Education Bureau) or equivalent authorities.

This includes:

• Online MBA, MCA, or Postgraduate Diploma Programs from accredited universities
   
• Hybrid courses (online + offline) with academic equivalence to regular degrees

Tip: Always verify the recognition status of the online course before applying for financial assistance under GSCC.

7. Government-Recognized Competitive Exam Programs (Special Category)

Loans under the GSCC Scheme can also be availed for preparation of government-recognized competitive exams, including:

• Civil Services (IAS, IPS, IFS)
   
• State Public Service Commission Exams
   
• Banking, SSC, and Railway Examinations
   
• GATE, CAT, NEET, and CLAT Coaching

The coaching institutes or academies must be registered and recognized by the Department of Higher and Technical Education, Government of Jharkhand.

8. Recognized Institutions

To qualify under the GSCC Scheme, the student’s chosen institution must satisfy one of the following:

• Recognized by UGC, AICTE, MCI, BCI, NCTE, DCI, or NCVT
   
• Affiliated with a State University, Central University, or Government-recognized Private University
   
• Accredited by NAAC (National Assessment and Accreditation Council)
   
• For foreign education: Approved by the competent authority of the host country and recognized by the Government of India

9. Non-Eligible Courses

The following courses are not covered under the GSCC Scheme:

• Unrecognized or unaccredited programs
   
• Part-time or evening courses (except recognized executive programs)
   
• Hobby or recreational courses (like photography, dance, etc.)
   
• Short-term private certifications not recognized by government agencies

Summary Table – Courses Covered Under GSCC Scheme

Frequently Asked Questions (FAQs)

Q1. Which courses are eligible under the GSCC Scheme?
 All recognized professional, technical, general, and vocational courses approved by UGC, AICTE, or other government bodies are eligible. Students can apply for degrees like Engineering, Medicine, Management, and Law, as well as skill-oriented diploma or certificate programs from accredited institutions.

Q2. Can I get a GSCC loan for studying abroad?
 Yes. The GSCC Scheme supports students pursuing undergraduate or postgraduate programs in recognized foreign universities. Applicants must submit valid admission proof, visa details, and a course cost structure for approval. Only internationally accredited and government-recognized programs are covered.

Q3. Are diploma and ITI courses included under the GSCC Scheme?
 Absolutely. Polytechnic, ITI, and technical diploma courses approved by the Directorate of Technical Education or AICTE are eligible for funding. These courses focus on developing hands-on technical skills and are ideal for students aiming for employment in industrial or manufacturing sectors.

Q4. Does the GSCC Scheme cover online or distance learning programs?
 Yes, but only distance or online programs recognized by UGC-DEB (Distance Education Bureau) are eligible. The course must be equivalent to a regular degree and offered by an accredited university. Private or non-recognized online certifications are not covered under the scheme.

Q5. Can students apply for GSCC loans for coaching or competitive exams?
 Yes. The GSCC Scheme allows loans for recognized coaching programs that prepare students for government or professional exams like UPSC, JPSC, Banking, CAT, or GATE. The coaching institute must be registered and approved by the Department of Higher and Technical Education, Jharkhand.