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.
The GSCC Scheme covers a broad category of professional degree programs that lead to specialized careers and skill-based employment. These include:
These programs must be pursued in colleges or universities recognized by the respective regulatory bodies such as AICTE, UGC, MCI, BCI, or NCTE.
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:
Note: The institution must be approved by the Directorate of Technical Education, Jharkhand or the *All India Council for Technical Education (AICTE).
Students pursuing traditional academic programs at the undergraduate or postgraduate level are also eligible under the GSCC Scheme. These include:
These programs must be offered by institutions affiliated with recognized universities and accredited by NAAC or UGC.
The GSCC Scheme encourages students to pursue vocational courses that enhance employability and technical skills. Covered programs include:
These programs must be approved by the relevant state or national boards, or offered by government-recognized institutions.
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:
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:
Tip: Always verify the recognition status of the online course before applying for financial assistance under GSCC.
Loans under the GSCC Scheme can also be availed for preparation of government-recognized competitive exams, including:
The coaching institutes or academies must be registered and recognized by the Department of Higher and Technical Education, Government of Jharkhand.
To qualify under the GSCC Scheme, the student’s chosen institution must satisfy one of the following:
The following courses are not covered under the GSCC Scheme:
Category | Examples of Eligible Courses | Regulatory Body / Authority |
| Professional Courses | Engineering, Medicine, Law, Management, Architecture | AICTE, MCI, BCI, UGC |
| Technical Courses | ITI, Polytechnic, Computer Science, MCA, BCA | AICTE, DTE |
| General Academic Courses | B.A., B.Sc., B.Com., M.A., M.Sc., M.Com. | UGC, State Universities |
| Vocational Courses | Fashion, Hotel Management, Animation, Aviation | NSDC, State Skill Mission |
| Foreign Studies | B.Sc., M.Tech, MBA (Abroad) | AIU, MEA, Host Country Authorities |
| Coaching / Competitive Exam | UPSC, JPSC, Banking, CAT, GATE, NEET | Govt.-Recognized Institutes |
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.