Guruji Student Credit Card Scheme (GSCC)

Documents Required for Application

Applying for the Jharkhand Guruji Student Credit Card (GSCC) Scheme requires submission of certain essential documents to verify eligibility, identity, and course details. To ensure a smooth application process, applicants must keep both scanned copies (for online upload) and original documents (for verification) ready.

Below is the complete checklist of documents and the step-by-step guide for both online and offline application procedures.

Table of Contents

• Documents Required for Application
  • Personal Identification Documents
  • Residence and Domicile Proof
  • Educational Qualification Documents
  • Course and Institution Verification Documents
  • Financial and Banking Documents
  • Additional Documents (if applicable)
• How to Apply for the GSCC Scheme
• Offline Application Procedure
• Frequently Asked Questions (FAQs)

1. Documents Required for Application

1.1 Personal Identification Documents

• Aadhaar Card of the student and parent/guardian (mandatory)
   
• PAN Card (if available)
   
• Passport-sized photographs of the student and co-applicant (recent, colored, and clear)

1.2 Residence and Domicile Proof

• Jharkhand Domicile Certificate issued by a competent authority
   
• Valid address proof (Voter ID, Ration Card, or Utility Bill in parent’s/guardian’s name)
   
• Family Income Certificate issued by Circle Officer or equivalent authority

1.3 Educational Qualification Documents

• Mark sheets and certificates of Class 10 and Class 12 (or equivalent)
   
• Admission letter / Offer letter from the institution (mandatory)
   
• Fee structure / Prospectus / Cost sheet issued by the institution
   
• Previous semester mark sheets (if already enrolled in a higher course)

1.4 Course and Institution Verification Documents

• Copy of institution’s recognition/affiliation certificate (UGC/AICTE/State University)
   
• Course details, including duration, syllabus, and academic calendar
   
• Bonafide Certificate or letter confirming student’s enrollment

1.5 Financial and Banking Documents

• Bank account details of the student and parent/guardian (preferably in a partner bank)
   
• Cancelled cheque or first page of passbook for verification
   
• Income tax returns or salary slips of parents/guardians (if applicable)

1.6 Additional Documents (if applicable)

• Caste certificate (for SC/ST/OBC applicants)
   
• Disability certificate (for differently-abled students)
   
• Passport and Visa copies (for foreign education applicants)
   
• Declaration form duly signed by the student and guardian

Tip: Upload documents in PDF or JPEG format, clear, and below 2 MB per file. Unclear uploads may cause rejection or delay.

2. How to Apply for the GSCC Scheme (Online Process)

The online application process for the GSCC Scheme is simple, transparent, and convenient. Students can apply through the official GSCC portal.

Step 1: Visit the Official Portal

Go to: 🔗 https://gscc.jharkhand.gov.in

Click on “Apply Online” or “Student Registration.”

Step 2: Register as a New Applicant

• Enter your name, mobile number, and email ID
   
• Create a password and verify your mobile number via OTP
   
• After verification, your Application ID/Login ID will be generated

Step 3: Fill in Personal and Academic Details

• Provide your personal details, educational qualifications, and course details
   
• Include institution name, course duration, and start date
   
• Ensure all entries match official documents

Step 4: Upload Required Documents

• Upload scanned copies of Aadhaar, domicile, admission letter, fee structure, and photographs
• Format: PDF/JPEG, Size: up to 2 MB per file

The system will automatically verify file uploads before submission.

Step 5: Review and Submit the Application

• Review all details carefully before submission
   
• Click “Submit Application”
   
• A confirmation message and reference number will be generated for tracking

Step 6: Application Verification

• The application is verified by the District Nodal Officer and partner bank
   
• Once approved, the bank loan officer will contact the student for documentation

Step 7: Loan Sanction and Disbursement

• Approved loans are sanctioned by partner banks under GSCC
   
• Disbursement is made directly to the institution in installments
   
• Track progress on the portal using your Application ID

Tip: Regularly check your registered email/SMS for application status updates.

3. Offline Application Procedure (If Applicable)

If online access is limited, applicants can apply offline through district education offices or partner banks.

Step 1: Obtain the Application Form

• Collect from District Education Office, College Help Desk, or Partner Bank Branch
   
• Alternatively, download the PDF form from the GSCC website and print it

Step 2: Fill in the Required Details

• Provide personal, educational, and income details
   
• Attach photocopies of all required documents from the checklist

Step 3: Submit to Designated Office

Submit the form and documents to:

• The District Education Officer (DEO), or
   
• The GSCC Nodal Officer, or
   
• The Partner Bank Branch Manager

Officials will verify details and forward the application for approval.

Step 4: Verification and Loan Approval

• The DEO or bank verifies applicant details and documents
   
• Verified applications are sent to the GSCC Nodal Agency
   
• After approval, the partner bank finalizes documentation and sanctions the loan

Step 5: Loan Disbursement

• The approved amount is disbursed directly to the institution in installments
   
• Applicants receive SMS and email notifications for every update

Important: The online application process is faster, transparent, and recommended for all applicants.

Frequently Asked Questions (FAQs)

Q1. Can I apply both online and offline for the GSCC Scheme?
 No, students should choose only one mode of application — either online or offline. Applying through the official online portal is highly recommended as it ensures faster verification, instant acknowledgment, and easy application tracking. Duplicate applications through both methods may delay approval or cause rejection.

Q2. What if I make a mistake in the online form?
 If you spot an error before final submission, you can log in and edit your application directly from the portal dashboard. However, once the form is submitted, further changes can only be made by contacting the District Nodal Officer or the official GSCC helpline for correction assistance. Always review your form before submission.

Q3. How long does the GSCC loan approval process take?
 Generally, the loan application is processed within 15 to 30 working days after submission. The time may vary based on document verification, bank response, and institutional confirmation. Applicants receive SMS and email updates during each stage of verification and sanction.

Q4. Are there any fees for applying under the GSCC Scheme?
 No, the entire application and processing procedure is free of cost. Students do not need to pay any charges or service fees to apply under the GSCC Scheme. Be cautious of unauthorized agents or individuals demanding payment for registration or faster approval.

Q5. Can I track my application after submission?
 Yes, once registered, students can easily track their application status on the GSCC portal using their Application ID or registered mobile number. The portal displays real-time updates, including verification status, approval stage, and loan disbursement progress.