Guruji student credit card Apply Online Link [ Guruji student credit card Jharkhand Login]

Finally Guruji student credit card Jharkhand scheme is live and all students can now apply online. Are you also searching for Guruji student credit card Apply Online Link? Then Don’t worry. We will be sharing complete details with Guruji student credit card Jharkhand Login link and button also. Complete information about Jharkhand scheme names guruji credit card for students. How to apply guruji student credit card will be explained in detail below.

In a bid to democratize access to higher education and alleviate financial burdens for students in Jharkhand, the state government launched the Guruji Credit Card Scheme. This initiative aims to ensure that no student is denied the opportunity to pursue their educational aspirations due to financial constraints. Here’s everything you need to know about the scheme, from its objectives to the application process and benefits.

Guruji Credit Card Scheme Apply Online

Here is Official Apply online link for Guruji students credit card scheme jharkhand. Click and it will open in Students registration page for Credit card scheme jharkhand.

Objectives and Overview

The Guruji Credit Card Scheme, officially known as the Guruji Student Credit Card Interest Subsidy Arrangement, 2023 (GSCCISA), is a pioneering effort by the Government of Jharkhand. Its primary objective is to provide financial assistance to students pursuing higher education in India. The scheme operates under the principle of offering education loans at highly subsidized interest rates, specifically capped at 4% per annum.

Eligibility Criteria

To qualify for the Guruji Credit Card Scheme, students must meet certain criteria:

  • Residency: Students must be residents of Jharkhand.
  • Educational Qualification: For diploma courses, students must have completed Class 10 from a recognized school in Jharkhand. For undergraduate and above courses, completion of Class 10 and Class 12 from a recognized school in the state is required.
  • Age Limit: Applicants should not exceed 40 years of age at the time of applying for the education loan under this scheme.
  • Admission: Students must secure admission to institutions recognized by the scheme, which includes prominent educational institutions across India.

Benefits of the Scheme

The Guruji Credit Card Scheme offers several compelling benefits:

  • Interest Subsidy: The scheme provides interest subvention so that students bear an interest burden of only 4% per annum on their education loans. This subsidy applies throughout the repayment period, ensuring affordability.
  • No Collateral: Unlike traditional loans, the scheme does not require students to provide collateral security or third-party guarantees, making it accessible to a wider spectrum of students.
  • Flexible Repayment: A moratorium period of one year is granted after course completion or upon gaining employment, whichever is earlier, easing the financial pressure on students as they transition into the workforce.

Applying for the Guruji Credit Card Scheme

Step-by-Step Application Process

  1. Online Registration: Students initiate the application process by registering online through a dedicated portal managed by the State Cooperative Banks or affiliated institutions.
  2. Document Submission: Upon securing admission to a recognized institution, applicants submit their detailed fee structure and proof of admission via the online portal.
  3. Application Review: A high-level committee appointed by the Department of Higher and Technical Education (DHTE) reviews applications and determines eligibility based on predefined criteria.
  4. Loan Disbursement: Once approved, the education loan is disbursed directly to the educational institution, covering tuition fees and other approved expenses.

How to Navigate the Application Portal

The online portal for the Guruji Credit Card Scheme features a user-friendly dashboard:

  • Dashboard Access: Applicants can monitor their application status, including loan approvals, interest subsidies, and repayment schedules.
  • Notifications: Real-time updates regarding application status and disbursement details are communicated through the portal, ensuring transparency and accountability.

The Guruji Credit Card Scheme stands as a beacon of hope for students in Jharkhand aspiring to pursue higher education without financial constraints. By providing interest-subsidized education loans and eliminating the need for collateral, the scheme empowers students to focus on their academic journey with confidence. Aspiring beneficiaries are encouraged to leverage the scheme’s benefits and embark on a path towards a brighter future.


  • Government of Jharkhand Official Website
  • Department of Higher and Technical Education, Jharkhand
  • National Institutional Ranking Framework (NIRF) India

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