What do you get under Guruji Student Credit Card?
A collateral-free education loan of up to ₹15 lakh, fully guaranteed by the state, at an effective 4% interest (3% if you pay interest while studying).
Bank interest is SBI EBLR plus 1.5% for male and plus 1% for female students; the state subsidy brings it down to 4% (or 3%).
Who is eligible for Guruji Student Credit Card?
- Students of Jharkhand: local residence certificate, or class 10 (and 12 or diploma, for degree courses) passed in Jharkhand.
- Not more than 40 years old when applying.
- Admitted to an eligible institution (NAAC A or above, NIRF top 100, institutions of national importance and others on the list).
- Not a past beneficiary of the scheme.
Also check:
- A parent or guardian signs as co-applicant.
- The bank does its own approval; if it rejects, you can choose another bank.
Documents needed for Guruji Student Credit Card
0 of 7 ready
Offices may ask for more. Check the official list before you go.
How to apply for Guruji Student Credit Card
- Apply on gscc.jharkhand.gov.in with your marksheets, admission proof, fee structure and bank details of student and co-applicant.
- Pick the bank, district and branch; then visit that branch for loan processing.
- After approval the bank, student and department sign a tripartite agreement; fees go straight to the institution.
How to check Guruji Student Credit Card status
- Log in on gscc.jharkhand.gov.in: the bank updates approval and disbursal status there.
Never share an OTP with a caller or a message. Official portals end in .gov.in.
Common questions
Who is eligible for Guruji Student Credit Card?
Students of Jharkhand: local residence certificate, or class 10 (and 12 or diploma, for degree courses) passed in Jharkhand. Not more than 40 years old when applying. Admitted to an eligible institution (NAAC A or above, NIRF top 100, institutions of national importance and others on the list). Not a past beneficiary of the scheme.
How much do I get under Guruji Student Credit Card?
A collateral-free education loan of up to ₹15 lakh, fully guaranteed by the state, at an effective 4% interest (3% if you pay interest while studying). Bank interest is SBI EBLR plus 1.5% for male and plus 1% for female students; the state subsidy brings it down to 4% (or 3%).
What documents do I need for Guruji Student Credit Card?
Aadhaar card (linked to your mobile number); Education certificates (marksheets); Proof of admission or fee receipt; Bank passbook or account details (Aadhaar-seeded account); Passport-size photo; Domicile or residence certificate of the state; Mobile number for OTP.
How do I apply for Guruji Student Credit Card?
Apply on gscc.jharkhand.gov.in with your marksheets, admission proof, fee structure and bank details of student and co-applicant. Pick the bank, district and branch; then visit that branch for loan processing. After approval the bank, student and department sign a tripartite agreement; fees go straight to the institution. Official site: https://gscc.jharkhand.gov.in/
How do I check Guruji Student Credit Card status?
Log in on gscc.jharkhand.gov.in: the bank updates approval and disbursal status there.
Do I have to pay anyone to apply for Guruji Student Credit Card?
No. Applying for a government scheme is free on the official portal, and at Common Service Centres you pay only the notified service fee, if any. Never pay an agent who promises approval.
What is the interest rate on Guruji Student Credit Card?
After state subsidy you pay 4% simple interest, or 3% if you pay interest during the course.
Is there an age limit?
Yes, you must be 40 or younger when applying.
Official sources
Last checked 1 November 2026; next review by 30 April 2027. Rules and amounts change, so confirm on the official site before you apply. IndiaDigital is independent and not a government site.