About Jharkhand Guruji Credit Card

The state of Jharkhand has introduced a new scheme called the “Jharkhand Student Credit Card” for students who live in Jharkhand. Jharkhand Guruji Credit Card Yojana 2024 is the program’s name. This scheme was introduced by the state government of Jharkhand last year. This program was developed to provide loans to students from low-income families. Under this program, students who are seeking higher education can receive the credit they need to finish their studies. If you are a student in the state of Jharkhand, carefully study the article to collect complete details.

Objective of Guruji (Jharkhand) Student Credit Card

Many students from low-income families do not get admission to higher education because of financial issues. Even banks refuse to give loans for schooling to these students and their non-mortgage-holding families. This program has been launched to help these students. The state cannot afford to give scholarships to every kid who comes from a low-income family. In light of everything, the Jharkhand government has initiated a Jharkhand Guruji Student Credit Card scheme. Giving credit to students who need to finish their higher education is the aim of this program.

The Jharkhand government launched the Jharkhand Guruji Credit Card with the intention of inspiring everyone in the state to get an education.

Government loans will be given to state students who are unable to complete their education because of their financial situation.

Highlights of the Jharkhand Guruji Credit Card Scheme

Launching Date of the Jharkhand Guruji Credit Card Scheme

The Jharkhand student credit card scheme, similar to the West Bengal and Bihar student credit cards, was introduced by the state government of Jharkhand. The Jharkhand budget for 2023 included approval for this scheme. March 4, 2023, marked the start of the program.

Jharkhand Guruji Credit Card 2024 Eligibility Requirements

To obtain your credit card, you have to fulfill a few eligibility requirements. These are the following steps:

• Belonging to the state of Jharkhand. Aadhar cards, voter ID cards, ration cards, and other documents attesting to your residency status must be presented.
• Possess successfully completed a Class 10th or Class 12th exam. Your qualifying exam certificate or mark sheet must be shown.
• I have been accepted to a reputable university for further education. Your admissions letter or official confirmation from the school must be shown.
• Obtained a PAN and Aadhar card that are valid. Copies of these documents must be sent with your application form.
• Students are not permitted to take out loans from any banks for educational purposes.
• No student has been enrolled in this scheme previously.

These are the fundamental requirements for being eligible for the Guruji Credit Card Scheme in 2024. If you meet these qualifications, you can use the Guruji Credit Card gateway to apply online for the program. However, extra requirements can apply based on the course and organization you select. As such, before applying, carefully read the scheme’s content.

How to Apply for the Jharkhand Guru Ji Credit Card Scheme? 

How to Apply for the Jharkhand Guru Ji Credit Card Online?

If you are a student in Jharkhand and desire to go to college but are concerned about the cost, the Guruji Credit Card Scheme 2024 could be of interest to you. With no collateral or mortgage required, the Jharkhand government is offering eligible students soft loans up to Rs. 15 lakh as part of a new initiative. Your tuition, housing costs, books, laptops, and other educational costs can all be covered by this loan.

Here are the easy procedures to apply for the Guruji (Jharkhand) Credit Card Scheme 2024:

Note: The online portal will be available as soon as possible. Please visit the Jharkhand High and Technical Education Department website on a regular basis. There are a few standard procedures that you would need to follow in order to apply for the scheme.

1. Go to the scheme’s official website and select the “Apply Online” option.
2. Complete the online application form by providing your personal information, educational background, course details, bank account information, and any other necessary data.
3. Please upload scanned copies of your identification documents, including your PAN card, Aadhar card, income certificate, caste certificate, grade reports, and admission letter.
4. Fill out the application and print out the confirmation document for your records.
5. Your application status and loan confirmation details will be sent to you by email or SMS.
6. You can use your credit card to pay for your educational costs as soon as your loan is authorized.

How can I apply for Jharkhand Guru Ji Credit Card offline?

Application Process for Jharkhand Guruji Credit Cards Offline

• Offline Form(available)
• The student needs to go to the nearest block office and find out when the “AAPKI YOJNA, AAPKI SARKAR-AAPKE DWAR” camp or fair will begin. and students submitted a student information request form.

The Jharkhand Guruji Student Credit Card Scheme 2024 will have an annual interest rate of 4%. After completing your course, you will have a 15-year repayment period. Following the completion of your education, you will also receive a period of one year during which you won’t be required to pay any interest or principle. Your course cost and additional expenses will determine the total amount of the loan.

Required Documents for the Jharkhand Student Credit Card

In order to receive the benefits of this plan, you must first confirm that you have all necessary documentation and that you meet the eligibility requirements.

• A student must have his or her Aadhar card. To confirm your identity and place of residence, this is necessary.
• Parents Aadhar Card is also needed (both mother and father).
• The student’s passport-sized photo: You must attach this to your application form.
• Parents passport-sized photo
• All of the student’s academic records: This is necessary to show your academic results, like the 10th and 12^th marksheets, and gain admission to an approved institution.
• Details of the student’s bank account: Transferring the loan amount and collecting the EMI payments require this.
• Caste Certificate: In order to determine if you qualify for the plan and whether you fall under any reserved categories, this is necessary.
• Transfer Certificate

The following documents are required in order to apply for the Student Credit Card Scheme 2024: Before completing the online application through the credit card gateway, you should have them available.

Note: Make sure that all documents are clear and valid as well. You are able to contact the program’s helpline number if you have any questions or concerns.

Benefits for (Jharkhand) Guruji Student Credit Card

For students from Jharkhand, the Guruji Student Credit Card Scheme 2024 is an excellent opportunity to achieve their goals of pursuing higher education without having to worry about money. You can also benefit from 0% APR rates, buy now, pay later alternatives, and credit card processing by utilizing this plan.

• Gives out low-interest, no-collateral, soft loans up to 15 lakhs at a rate of 4%. As a result, students won’t need to bother about setting up any kinds of security or guarantors for the loan.
• Covers a range of programs and organizations that are approved by local, state, or federal governments, including those in engineering, medicine, management, law, and so on. Based on their eligibility and interests, students are free to select any course and any institution.
• Permits students to pay back the loan within 15 years of finishing their term of study. One year after the course ends, the EMI will begin. This allows students to start loan repayment when they have had enough time to locate a suitable employment and source of income.
• Students will receive a special interest concession or discount of 01% if the money is returned during the course term.
• Benefits of the Guru Ji (Jharkhand) student credit scheme are available to all Jharkhand students who completed their 10th and 12th
• Up to 30% of the loan amount, Guruji (Jharkhand) Student Credit Card also helps with travel, messaging, and many other expenses.
• Uses the Guruji Credit Card platform to facilitate a simple online application process. Students can apply for the plan by completing an online application and attaching the necessary files, which include an admission letter, PAN card, Aadhaar card, etc.

For students who desire to succeed academically without having to worry about money, the (Jharkhand) Guruji Student Credit Card Scheme 2024 is a blessing. Additionally, it’s a step in the direction of raising Jharkhand’s young employability and literacy rates. 

Terms & Conditions of the Jharkhand Guruji Credit Card

• The first and most important part is that students should belong to the state of Jharkhand.

• Students who have passed 10th or 12th grade from a recognized school in Jharkhand state for diploma courses and who have graduated from a recognized college in Jharkhand state for postgraduate or doctorate courses.

• Only those institutions ranked as high as 200 overall, or whose individual rankings are as high as 100 overall, or those with an A or higher NAAC authorization, will be eligible for admission to these selective universities.

• The maximum age of the candidate is 40 years.

• I should not have received benefits from this scheme in the past.

• Must not have previously taken a related course from any bank.

Conclusion

We trust that some of your inquiries concerning the Jharkhand Student Guruji Credit Card Scheme have been clarified in this post. If you would like to participate in this program and are qualified, you can apply offline. And you can also apply online at the Jharkhand Guruji Credit Card official website. Which is not open right now, On the portal, you may also view the progress of your application, loan payment, and repayment information. You can get in touch with the authorities via phone, email, or in person if you have any more questions or complaints. The Guruji (Jharkhand) Credit Card Scheme offers Jharkhand students a fantastic chance to achieve their aspirations of pursuing higher education without having to worry about money.

FAQs- Frequently Asked Questions about Jharkhand Guruji Credit Card

Q1: What is the Student Credit Card Scheme of Jharkhand?

Ans1: The Jharkhand Student Credit Card Scheme, also known as the Guruji Credit Card Scheme, is open to all students who are residents of Jharkhand and who have successfully completed the 12th standard or an equivalent test from an approved board or institution.

Q2: In what way can the student apply for the Jharkhand Student Credit Card?

Ans. 2: This Jharkhand student credit card scheme will accept online and offline applications. When the online application starts, students must go to the Guruji Credit Card official website and complete the application by providing their academic and personal information. Additionally, they must provide the necessary files, which may include an income certificate, mark sheet, Aadhaar card, etc.

Q3: What is the maximum loan amount available under the Jharkhand Guruji Credit Card Program?

Ans3: Under the Guruji Credit Card Scheme, students are eligible to borrow up to Rs. 15 lakh without requiring a down payment or mortgage. Both institutional and non-institutional costs, including housing, food, books, laptops, and other items, may be covered by the loan amount.