Guruji Student Credit Card Scheme Jharkhand0
State Government Schemes(राज्य की योजनाएं)
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Guruji Credit Card 2023 Jharkhand: Benefits, Eligibility, Documents

The Guruji Credit Card Scheme 2023 is based on the successful model of the West Bengal Student Credit Card Scheme, which has helped thousands of students pursue their studies in India and abroad. The scheme aims to promote education and skill development among the youth of Jharkhand and boost their employability and income potential.

To apply for the Guruji Credit Card 2023 Jharkhand, you need to meet some basic eligibility criteria, such as being a resident of Jharkhand, having a valid Aadhaar card, and being enrolled in a recognized institution for higher education. You can apply online through the official website of the scheme or visit your nearest bank branch. The application process is simple and hassle-free, and you can get your credit card within a few days.

Overview: Jharkhand Guruji Credit Card 2023

If you are a student from Jharkhand who wants to pursue higher education, you might have heard of the Guruji Credit Card Scheme 2023, a new initiative by the state government to provide soft loans to students without any collateral or mortgage. This scheme is aimed at empowering the youth of Jharkhand and making them self-reliant in their careers. In this section, we will give you an overview of this scheme in table format and tell you how you can apply for it online. Let’s begin:

Parameter

Description

Name of the scheme

Guruji Credit Card Scheme 2023 or झारखण्ड गुरूजी क्रेडिट कार्ड योजना 2023

Launched by

Government of Jharkhand

Announced on

Thursday, 3rd March 2022

Launched for

Students who want to pursue higher education in India or abroad

Benefits

Financial assistance of up to Rs. 15 lakh at 4% interest rate

Mode of application

Online through Guruji Credit Card portal (will be launched soon)

Eligibility criteria

– The applicant must be a resident of Jharkhand, have passed Class 12th or equivalent examination; have secured admission in a recognized institution for higher education, and have a valid Aadhaar card and PAN card

As you can see, the Jharkhand Guruji Credit Card Scheme 2023 is an excellent opportunity for students who want to fulfill their dreams of higher education without worrying about the financial burden. This scheme will also help boost the literacy rate and employability of the youth in Jharkhand. So, what are you waiting for? Apply online today and get your Guruji Credit Card soon!

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Benefits & Features of Jharkhand Guruji Credit Card Yojana 2023

The Guruji Credit Card Scheme 2023 is a new initiative by the Jharkhand government to provide financial assistance to students who want to pursue higher education in India or abroad. This scheme offers many benefits and features that make it a great opportunity for students from humble backgrounds. Some of them are:

  • The scheme:
    • Provides soft loans of up to Rs. 15 lahks at a low-interest rate of 4% without any collateral or mortgage. This means that students do not have to worry about arranging any security or guarantor for the loan.
    • Covers various courses and institutions that are recognized by the state or central government, such as engineering, medicine, management, law, etc. Students can choose any course and institution according to their preferences and eligibility.
    • Allows students to repay the loan within 15 years after completing their course. The EMI will start one year after the completion of the course. This gives students enough time to find a suitable job and income source before they start repaying the loan.
    • Provides 30% of the loan amount for non-institutional expenses such as lodging, food, books, laptops, etc. This helps students to meet their daily needs and study materials without any hassle.
    • Has an easy online application process through the Guruji Credit Card portal. Students can apply for the scheme by filling out an online form and uploading the required documents, such as an Aadhaar card, PAN card, admission letter, etc.

The Jharkhand Guruji Credit Card Scheme 2023 is a boon for students who want to achieve their academic goals without any financial burden. It is also a step towards improving the literacy rate and employability of the youth in Jharkhand. If you are a student who wants to avail of this scheme, do not wait any longer and apply online today!

Eligibility Criteria for Guruji Credit Card 2023 in Jharkhand

There are some eligibility criteria that you need to fulfill before you can get your Guruji Credit Card. These are:

  • You must: 
    • Be a resident of Jharkhand state. You need to provide proof of your domicile status such as an Aadhaar card, voter ID card, ration card, etc.
    • Have passed Class 12th or equivalent examination. You need to provide your mark sheet or certificate of your qualifying exam.
    • Have secured admission to a recognized institution for higher education. You need to provide your admission letter or confirmation from the institution.
    • Got a valid Aadhaar card and PAN card. You need to provide copies of these documents along with your application form.

These are the basic eligibility criteria for the Guruji Credit Card Scheme 2023. If you meet these requirements, you can apply for the scheme online through the Guruji Credit Card portal. However, there may be some additional criteria depending on the course and institution you choose. Therefore, you should check the details of the scheme carefully before applying.

Necessary Documents for Guruji Credit Card 2023 in Jharkhand

To apply for this scheme, you need to submit some necessary documents along with your online application form. These documents are:

  • Aadhaar card of the student: This is required to verify your identity and residence status.
  • Caste certificate: This is required to check your eligibility for the scheme if you belong to any reserved category.
  • Income certificate of the family: This is required to assess your financial need and repayment capacity.
  • All educational documents of the student: This is required to prove your academic qualifications and admission to a recognized institution.
  • Bank account details of the student: This is required to transfer the loan amount and collect the EMI payments.
  • Passport-size photograph of the student: This is required to attach to your application form.
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These are the necessary documents that you need to apply for the Guruji Credit Card Scheme 2023. You should keep them ready before you fill the online application form through the Guruji Credit Card portal. You should also ensure that the documents are valid and clear. If you have any doubts or queries, you can contact the helpline number of the scheme.

How To Apply Jharkhand Guruji Credit Card Scheme 2023

If you are a student from Jharkhand who wants to pursue higher education but is worried about the financial burden, then you might be interested in the Guruji Credit Card Scheme 2023. This is a new initiative by the Jharkhand government to provide soft loans of up to Rs. 15 lakh to eligible students without any collateral or mortgage. You can use this loan to pay for your tuition fees, hostel charges, books, laptops, and other expenses related to your education. Sounds good, right? But how can you apply for this scheme and what are the eligibility criteria? Let’s find out.

To apply for the Guruji Credit Card Scheme 2023, you need to follow these simple steps:

  • Visit the official website of the scheme [update soon] and click on the “Apply Online” button.
  • Fill in the online application form with your details, academic qualifications, course details, bank account details, and other required information.
  • Upload scanned copies of your documents such as your Aadhaar card, PAN card, income certificate, caste certificate, mark sheets, admission letter, etc.
  • Submit the application form and take a printout of the confirmation page for future reference.
  • You will receive an SMS or email with your application status and loan sanction details.
  • Once your loan is approved, you can use your Guruji Credit Card to make payments for your education expenses.

The interest rate for the Guruji Credit Card Scheme 2023 is 4% per annum. You will get a repayment period of 15 years after completing your course. You will also get a moratorium period of one year after finishing your studies, during which you don’t have to pay any interest or principal amount. The loan amount will depend on your course fee and other expenses.

The Guruji Credit Card Scheme 2023 is an excellent opportunity for students from Jharkhand to fulfill their dreams of higher education without any financial stress. By using this scheme, you can also enjoy the benefits of credit card processing, 0% APR offers, and buy now, pay later options. So don’t wait any longer and apply for this scheme today!

FAQs Related Guruji Credit Card Scheme Jharkhand 2023

In this section, we will answer some of the frequently asked questions (FAQs) about the Guruji Credit Card Scheme, such as what it is, who can apply, how much loan can be availed, what is the interest rate and repayment period, how to apply, how to check the status, what are the benefits, and how to contact the authorities.

What is the Guruji Credit Card Scheme? 

Guruji Credit Card Scheme is a scheme launched by the Jharkhand government to provide soft loans to students who want to pursue higher education in reputed colleges. The scheme was announced in the Jharkhand Budget 2022-23 and got state cabinet approval in January 2023.

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Who can apply for the Guruji Credit Card Scheme? 

Any student who is a resident of Jharkhand and has passed the 12th standard or equivalent examination from a recognized board or institution can apply for the Guruji Credit Card Scheme.

How much loan can be availed under the Guruji Credit Card Scheme? 

Students can avail of a loan of up to Rs. 15 lakh under the Guruji Credit Card Scheme without any collateral or mortgage. The loan amount can be used for institutional fees as well as non-institutional expenses such as lodging, food, books, laptops, etc.

What is the interest rate and repayment period for the Guruji Credit Card Scheme? 

The interest rate for Guruji Credit Card Scheme is 4% per annum and the repayment period is 15 years. The EMI will start one year after the completion of the course.

How to apply for the Guruji Credit Card Scheme? 

The application process for Guruji Credit Card Scheme will be online. Students have to visit the official website of Guruji Credit Card and fill in the application form with their personal and academic details. They also have to upload the required documents such as an Aadhaar card, mark sheet, income certificate, etc.

How to check the status of the Guruji Credit Card Scheme application? 

Students can check the status of their Guruji Credit Card Scheme application online by visiting the official website of Guruji Credit Card and logging in with their registered mobile number and OTP. They can also track their loan disbursement and repayment details on the portal.

Conclusion;

We hope this article has answered some of your questions about the Guruji Credit Card Scheme. If you are eligible and interested in availing of this scheme, you can apply online through the official website of Guruji Credit Card. You can also check your application status, loan disbursement, and repayment details on the portal. If you have any further queries or grievances, you can contact the authorities by phone, email, or visit. The Guruji Credit Card Scheme is an excellent opportunity for the students of Jharkhand to fulfill their dreams of higher education without any financial stress.

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