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Jharkhand Guruji Credit Card Yojana 2024: Ultimate Guide to Online Loan Application and Eligibility
The Jharkhand Guruji Credit Card Yojana 2024 is a progressive initiative aimed at empowering students from economically weaker sections of Jharkhand to pursue higher education. Launched by Chief Minister Champai Soren, this scheme provides financial assistance in the form of education loans up to ₹15 lakh at a simple interest rate of 4%.
This comprehensive guide will cover all aspects of the Jharkhand Guruji Credit Card Yojana 2024, from application procedures to eligibility criteria, benefits, and features. Read on to get a detailed understanding of this beneficial scheme.
Introduction to Jharkhand Guruji Credit Card Yojana 2024
The Jharkhand Guruji Credit Card Yojana 2024 aims to provide financial support to students in Jharkhand who are pursuing higher and technical education. The scheme ensures that financial constraints do not hinder students’ academic aspirations.
Objectives of the Scheme
- Financial Support: Provide loans up to ₹15 lakh to students for higher education.
- Affordable Education: Ensure students from all economic backgrounds can access higher education.
- No Collateral Required: Students or their guardians are not required to deposit any security or guarantee.
Benefits and Features
- High Loan Amount: Up to ₹15 lakh loan for higher education.
- Low Interest Rate: Simple interest rate of 4%.
- No Processing Fee: Banks will not charge any processing fee for education loans under this scheme.
- Flexible Repayment: Loan repayment period extends up to 15 years.
- Inclusive Eligibility: Available to students from all income groups.
Eligibility Criteria
To qualify for the Jharkhand Guruji Credit Card Yojana 2024, applicants must meet the following criteria:
- Must be a native of Jharkhand.
- Should belong to economically weaker sections.
- Must have secured admission to a recognized higher education institution.
- Applicant’s bank account should be linked to their Aadhar card.
Required Documents
Applicants need to provide the following documents:
- Aadhar card
- Address proof
- Income certificate
- Age certificate
- Mobile number
- Passport size photograph
- Bank account passbook
- Email ID
Step-by-Step Online Application Process
- Visit Official Website: Go to the Department of Higher and Technology Education’s official site.
- Register: Click on the registration option and enter your details: First Name, Last Name, Mobile No, Email ID, Password, and Captcha Code.
- Fill Application Form: Enter all the required information in the application form.
- Upload Documents: Attach the necessary documents.
- Submit: Click the submit option to complete your application.
After submission, your application will be reviewed, and if found correct, a loan will be provided through the bank.
Key Takeaways
- The Jharkhand Guruji Credit Card Yojana 2024 provides significant financial assistance for higher education.
- Loans up to ₹15 lakh with a simple interest rate of 4%.
- No collateral or processing fee required.
- Inclusive eligibility criteria ensure accessibility for all students.
FAQs
1. What is the interest rate for the loan under this scheme?
The loan under Jharkhand Guruji Credit Card Yojana 2024 comes with a simple interest rate of 4%.
2. How much loan can I get under this scheme?
Students can avail a loan of up to ₹15 lakh.
3. Is there any processing fee for the loan?
No, there is no processing fee for the loan.
4. What is the repayment period for the loan?
The loan repayment period is up to 15 years.
5. Do I need to provide any collateral for the loan?
No, there is no need for any security or collateral for this loan.
6. Who can apply for this scheme?
The scheme is open to all students from economically weaker sections who are natives of Jharkhand.
7. How can I apply for the loan?
You can apply online through the official website by filling out the application form and uploading the necessary documents.
8. What documents are required for the application?
You will need your Aadhar card, address proof, income certificate, age certificate, mobile number, passport size photograph, bank account passbook, and email ID.
9. When was the Jharkhand Guruji Credit Card Yojana 2024 launched?
The scheme was launched by Chief Minister Champai Soren on June 21, 2024.
10. Where can I get more information about the scheme?
For more information, you can visit the official website here.
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