झारखÖड गजट
असाधारण अंक
झारखÖड सरकार ɮवारा Ĥकाͧशत
29 आिæवन, 1946 (श०)
संÉ या – 676 राँची, सोमवार, 21 अÈटूबर, 2024 (ई०)
उÍच एवं तकनीकȧ ͧश¢ा ͪवभाग
--------
संकãप
14 अÈटूबर, 2024
ͪवषयः झारखÖड राÏय मɅ गुǾजी èटूडɅट Đेͫडट काड[ योजना हेतु Ǔनग[त माग[दͧश[का मɅ संशोधन के संबंध मɅ ।
संÉया-1607--राÏय मɅ 10वीं/12वीं क¢ा उƣीण[ ऐसे ͪवɮयाथȸ, जो आͬथ[क कारणɉ से उÍच ͧश¢ा ĤाÜत
करने से वंͬचत रह जाते है, को आͬथ[क सहायता Ĥदान करने हेतु झारखÖड राÏय मɅ गुǾजी èटूडɅट Đेͫडट काड[
योजना लागू करने का Ǔनण[य ͧलया गया है। इससे राÏय के छाğɉ को उÍच ͧश¢ा के ¢ेğ/संèथान जैसे-
Engineering, Medical, Law, Research, IITs, IIMs आǑद मɅ ͧश¢ा ĤाÜत करने मɅ सुͪवधा हो सकेगी। इस
योजना के अÛतग[त 10/12वीं क¢ा उƣीण[ Ĥ×येक इÍछुक तथा अह[ƣा ĤाÜत ͪवɮयाथȸ को बɇकɉ से जोड़कर ͧश¢ा
ऋण उपलÞध कराने का उɮदेæय है ।
2.
इÍछुक तथा अह[ƣा ĤाÜत ͪवɮयाथȸ को ͧश¢ा ऋण उपलÞध कराने के उɮदेæय से ͪवभागीय संकãप
£ापांक-3/यो0 1-02/2022 (उ0ͧश0) 220/बजट, Ǒदनांक-14.11.2022 के माÚयम से राÏय मɅ गुǾजी
èटूडɅट Đेͫडट काड[ योजना èवीकृत ͩकया गया है। तदुपरांत संकãप संÉया 3/यो0 1-02/2022 (उ0ͧश0)
103/बजट, Ǒदनांक-01.08.2023 के माÚयम से गुǾजी èटूडɅट Đेͫडट काड[ योजना कȧ ͪवèतृत
माग[दͧश[का जारȣ कȧ गई है ।
2
झारखÖडगजट(असाधारण) मंगलवार, 22 अÈटूबर, 2024
3.
योजना के ͩĐयाÛवयन के Đम मɅ पाया गया ͩक योजना के माग[दͧश[का मɅ कǓतपय संशोधन कȧ
आवæयकता है ताͩक योजना का सुचाǾ काया[Ûवयन ͩकया जा सके तथा अͬधक से अͬधक ͪवɮयाͬथ[यɉ
को इसका लाभ ͧमल सके। गुǾजी èटूडɅट Đेͫडट काड[ योजना के ͩĐयाÛवयन हेतु गǑठत उÍच èतरȣय
सͧमǓत कȧ Ǒदनांक-16.08.2024 कȧ बैठक मɅ योजना के सुचाǾ काया[Ûवयन हेतु योजना कȧ ͪवèतृत
माग[दͧश[का के कǓतपय Ĥावधानɉ मɅ संशोधन कȧ अनुशंसा कȧ गई है। तदनुसार योजना कȧ माग[दͧश[का
मɅ संशोधन हेतु Ĥèताव तैयार ͩकया गया है ।
4.
उÈत के आलोक मɅ गुǾजी èटूडɅट Đेͫडट काड[ योजना के ͩĐयाÛवयन हेतु ͪवèतृत माग[दͧश[का मɅ
Ǔनàनवत् संशोधन ͩकया जाता है-
(i)
इस योजना के अंतग[त èनातक एवं उससे उÍचतर èतर के कोस[ के ͧलए झारखÖड राÏय िèथत
माÛयता ĤाÜत संèथान से 10वीं तथा 12वीं क¢ा उƣीण[ छाğɉ को ऋण Ǒदया जाना है।
इंजीǓनयǐरंग कोस[ के ͧलए कई छाğ 12वीं क¢ा के èथान पर ͫडÜलोमा के उपरांत इंजीǓनयǐरंग
करते है। ऐसे छाğɉ को योजनाÛतग[त लाभ Ĥदान करने के ͧलए ͪवèतृत माग[दͧश[का मɅ
Ǔनàनवत् संशोधन ͩकया जाता है-
पूव[ के Ĥावधान
संशोͬधत Ĥावधान
Chapter 1, Section 3
The Scheme outlined herein aims at
providing financial support/assistance by
the State Government at a nominal
interest rate (with suitable guarantees to
the bank) to the students who have
completed Class 10th from a recognised
school in the state of Jharkhand to pursue
diploma courses and Class 10th and Class
12th from a recognised school in the state
of Jharkhand to pursue undergraduate and
above courses. Students who are unable to
pursue higher education due to financial
constraints can avail this scheme to
pursue
undergraduate,
postgraduate
courses including professional degree,
diploma courses and research at doctoral/
post-doctoral level or other similar
courses in institutions like IITs, IIMs,
IIESTs, ISIs, NLUs, AIIMSs, NITs,
XLRI, BITS, SPA, NID, IISc, IIFTs,
ICFAI Business School etc., within the
country.
Chapter 1, Section 3 to be amended and
read as –
The Scheme outlined herein aims at
providing financial support/ assistance by
the State Government at a nominal
interest rate (with suitable guarantees to
the bank) to the eligible students. Students
who are unable to pursue higher education
due to financial constraints can avail this
scheme
to
pursue
undergraduate,
postgraduate
courses
including
professional degree, diploma courses and
research at doctoral/ post-doctoral level or
other
similar
courses
in
eligible
institutions as mentioned in Chapter 1,
Section 5 (ii) of the scheme.
झारखÖडगजट(असाधारण) मंगलवार, 22 अÈटूबर, 2024
3
Chapter 1, Section 5 (i)
The student should be an Indian national
and must have completed, from a
recognized school in Jharkhand, Class
10th to pursue diploma and Class 10th
and 12th to pursue undergraduate or
higher courses.
Chapter 1, Section 5 (i) to be amended
and read as –
The student should be an Indian national
and must have completed, from a
recognized school in Jharkhand, Class
10th to pursue diploma and Class 10th
and
12th/
Diploma
to
pursue
undergraduate or higher courses.
Chapter 3, Section 4 (i)
The student seeking loan under the
arrangement must have completed, from a
recognized school, Class 10th from
Jharkhand to avail the scheme to pursue
diploma, and Class 10th and Class 12th
from Jharkhand for undergraduate and
above courses, from a recognized school
in the State of Jharkhand.
Chapter 3, Section 4 (i) to be amended
and read as –
The student seeking loan under the
arrangement must have completed, from a
recognized school, Class 10th from
Jharkhand to avail the scheme to pursue
diploma, and Class 10th and Class 12th/
Diploma
from
Jharkhand
for
undergraduate and above courses, from a
recognized school
in the State of
Jharkhand.
(ii)
ऐसे ͪवɮयाथȸ जो झारखÖड राÏय के èथानीय Ǔनवासी है ͩकÛतु राÏय के बाहर से 10वीं/12वीं
क¢ा उƣीण[ हɉ, को योजना का लाभ Ĥदान करने हेतु ͪवèतृत माग[दͧश[का मɅ Ǔनàनवत् संशोधन
ͩकया जाता है-
पूव[ के Ĥावधान
संशोͬधत Ĥावधान
Chapter 1, Section 5 (i)
The student should be an Indian national
and must have completed, from a
recognized school in Jharkhand, Class
10th to pursue diploma and Class 10th
and 12th to pursue undergraduate or
higher courses.
Chapter 1, Section 5 (i) to be amended
and read as –
The student should be an Indian national
and must have completed, from a
recognized school in Jharkhand, Class
10th to pursue diploma and Class 10th
and
12th/
Diploma
to
pursue
undergraduate or higher courses.
OR
The student is a local resident of
Jharkhand and has a valid Local
Residence Certificate issued by the
Government of Jharkhand.
Chapter 3, Section 4 (i)
The student seeking loan under the
arrangement must have completed, from a
recognized school, Class 10th from
Jharkhand to avail the scheme to pursue
diploma, and Class 10th and Class 12th
from Jharkhand for undergraduate and
above courses, from a recognized school
in the State of Jharkhand.
Chapter 3, Section 4 (i) to be amended
and read as –
The student seeking loan under the
arrangement must have completed, from a
recognized school, Class 10th from
Jharkhand to avail the scheme to pursue
diploma, and Class 10th and Class 12th/
Diploma
from
Jharkhand
for
undergraduate and above courses, from a
recognized school in the State of
Jharkhand.
OR
The student is a local resident of
Jharkhand and has a valid Local
Residence Certificate issued by the
Government of Jharkhand.
4
झारखÖडगजट(असाधारण) मंगलवार, 22 अÈटूबर, 2024
(iii)
Member Lending Institution तथा ͪवभाग के मÚय एकरारनामा ĤाǾप Schedule 3, Section
4 मɅ उãलेͨखत है ͩक ऋण का दर Fixed होगा जबͩक योजना के Ĥावधान के अनुसार ऋण का
दर Floating है, जो माग[दͧश[का मɅ अÛय èथानɉ मɅ उãलेͨखत है। अतः उÈत ͪवसंगǓत को दूर
करने के ͧलए ͪवèतृत माग[दͧश[का के Schedule 3, Section 4 मɅ Ǔनàनवत् संशोधन ͩकया
जाता है-
पूव[ के Ĥावधान
संशोͬधत Ĥावधान
Schedule 3, Section 4
For the entire amount of loan sanctioned
up to Rs.15.00 Lakh (Rupees Fifteen
Lakh Only), rate of interest to be charged
by the SECOND PART shall be at
prevalent EBLR of State Bank of India
Plus
1.5%
p.a.
For
girl
students,
additional benefit by way of further
reduction of rate of interest by 0.50% p.a.
to be extended by the Banks, thereby
making the effective rate of interest @
EBLR of State Bank of India Plus 1% p.a.
(simple interest), The Rate of Interest so
fixed on the date of sanction will remain
fixed and calculated at simple rate for the
entire duration of the loan. However, the
ultimate rate of interest payable by the
student borrower for the entire loan
quantum up to the maximum limit of Rs.
15.00 lakhs will be at 4% simple rate of
interest per annum, after application of
the benefit of interest subvention to be
extended
by
the
Government
of
Jharkhand.
Schedule 3, Section 4 to be amended and
read as –
For the entire amount of loan sanctioned
up to Rs.15.00 Lakh (Rupees Fifteen
Lakh Only), rate of interest to be charged
by the SECOND PART shall be at
prevalent EBLR of State Bank of India
Plus
1.5%
p.a.
For
girl
students,
additional benefit by way of further
reduction of rate of interest by 0.50% p.a.
to be extended by the Banks, thereby
making the effective rate of interest @
EBLR of State Bank of India Plus 1% p.a.
(simple interest), The Rate of Interest The
Rate of Interest shall be floating and shall
be changed as per changes in the EBLR
of State Bank of India for the entire
duration of the loan. However, the
ultimate rate of interest payable by the
student borrower for the entire loan
quantum up to the maximum limit of Rs.
15.00 lakhs will be at 4% simple rate of
interest per annum, after application of
the benefit of interest subvention to be
extended
by
the
Government
of
Jharkhand.
(iv)
योजनाÛतग[त Empaneled बɇकɉ के ɮवारा सूͬचत ͩकया गया है ͩक अÛय राÏयɉ/केÛġ सरकार
कȧ योजनाओं मɅ Interest Subvention कȧ योजनाओं मɅ सामाÛयतः Ĥावधान होते है ͩक बɇक के
ɮवारा लाभुक से Full Rate of Interest चाज[ ͩकया जाता है तथा सरकार से Interest
Subvention कȧ राͧश ĤाÜत होने पर उसे संबंͬधत लाभुक के खाते मɅ अंतǐरत ͩकया जाता है,
ताͩक लाभुक के ͧलए योजनाÛतग[त Ǔनधा[ǐरत Subsidized Rate of Interest हȣ Effective
Rate of Interest हो। साथ हȣ, बɇकɉ के ɮवारा अनुरोध ͩकया गया है ͩक Accounting कȧ सुͪवधा
के ͧलए Interest Subvention कȧ राͧश ĤǓतमाह संबंͬधत बɇकɉ को अंतǐरत ͩकया जाये। अतः
ͪवèतृत माग[दͧश[का मɅ Ǔनàनवत् संशोधन ͩकया जाता है-
झारखÖडगजट(असाधारण) मंगलवार, 22 अÈटूबर, 2024
5
पूव[ के Ĥावधान
संशोͬधत Ĥावधान
Chapter 3, Section 11
The corpus bank shall disburse the
interest subvention amount against a
particular education loan account to the
designated member lending institutions
on quarterly basis by DHTE based on
simple interest calculation until the loan
account has been flagged as NPA or
under specific directions issued by the
High-Level Committee/DHTE.
Chapter 3 Section 11 to be amended and
read as –
The corpus bank shall disburse the
interest subvention amount against a
particular education loan account to the
designated member lending institutions
on monthly basis by DHTE based on
simple interest calculation until the loan
account has been flagged as NPA or
under specific directions issued by the
High-Level Committee/DHTE. The MLI
shall charge the full interest in student
Loan Account and interest subvention
provided by the State Government shall
be credited to the Loan Account of the
student.
Chapter 1, Section 6 (ii) (b)
Request for subvention raised by MLI:
MLI shall raise a request for interest
subvention for set of loans which shall be
disbursed on a quarterly basis by the
corpus bank
Chapter 1, Section 6 (ii) (b) to be
amended and read as –
Request for subvention raised by MLI:
MLI shall raise a request for interest
subvention for set of loans which shall be
disbursed on a monthly basis by the
corpus bank
(v)
वत[मान Ĥावधान के अनुसार ऐसे संèथानɉ मɅ नामांͩकत ͪवɮयाͬथ[यɉ को योजना का लाभ Ǒदया जा रहा
है, जो ͪवगत NIRF कȧ सूची मɅ Overall 200 Đम संÉया के अÛदर अथवा संèथान के संबंͬधत Įेणी
(जैसे ͪवæवͪवɮयालय, महाͪवɮयालय, अͧभयंğण, Ĥबंधन, मेͫडकल, डेÛटल आǑद) मɅ NIRF कȧ सूची मɅ
100 Đम संÉया के अÛदर हो, अथवा NAAC "A" Įेणी या उससे ऊपर का दजा[ Ĥाप्त हो। उÈत
Ǔनधा[ǐरत मानदंड मɅ झारखÖड राÏय के काफȧ कम संèथान शाͧमल हɇ। अतः राÏय के अÛय उ×कृçट
संèथानɉ को शाͧमल करने कȧ आवæयकता है। साथ हȣ, होटल मैनेजमɅट तथा फैशन टेÈनोलॉजी के
उ×कृçट संèथानɉ मɅ अÚययन करने वाले ͪवɮयाͬथ[यɉ को भी Ǔनधा[ǐरत मानदंड के कारण योजना का
लाभ नहȣं ͧमल रहा है, िजÛहɅ शाͧमल करने कȧ आवæयकता है। तदनुसार राÏय/देश के अÛय उ×कृçट
संèथानɉ को शाͧमल करने हेतु ͪवèतृत माग[दͧश[का मɅ Ǔनàनवत् संशोधन ͩकया जाता है-
पूव[ के Ĥावधान
संशोͬधत Ĥावधान
Chapter 1, Section 3
The Scheme outlined herein aims at
providing financial support/ assistance by
the State Government at a nominal
interest rate (with suitable guarantees to
the bank) to the students who have
completed Class 10th from a recognised
school in the state of Jharkhand to pursue
diploma courses and Class 10th and Class
12th from a recognised school in the state
of Jharkhand to pursue undergraduate and
above courses. Students who are unable to
pursue higher education due to financial
constraints can avail this scheme to
Chapter 1, Section 3 to be amended and
read as –
The Scheme outlined herein aims at
providing financial support/ assistance by
the State Government at a nominal
interest rate (with suitable guarantees to
the bank) to the eligible students. Students
who are unable to pursue higher education
due to financial constraints can avail this
scheme
to
pursue
undergraduate,
postgraduate
courses
including
professional degree, diploma courses and
research at doctoral/ post-doctoral level or
other
similar
courses
in
eligible
institutions as mentioned in Chapter 1,
6
झारखÖडगजट(असाधारण) मंगलवार, 22 अÈटूबर, 2024
pursue
undergraduate,
postgraduate
courses including professional degree,
diploma courses and research at doctoral/
post-doctoral level or other similar
courses in institutions like IITs, IIMs,
IIESTs, ISIs, NLUs, AIIMSs, NITs,
XLRI, BITS, SPA, NID, IISc, IIFTs,
ICFAI Business School etc., within the
country
Section 5 (ii) of the scheme.
Chapter 1, Section 4 (i) (a)
Fees payable for pursuing education in the
institutions within and outside of the state
(within India) which have ranked up to
200 in the overall list or have ranked up to
100 in their respective individual category
of
NIRF
Rankings
or
have
been
accredited grade either “A" or above by
NAAC as course/tuition fees.
Chapter 1, Section 4 (i) (a) to be amended
and read as –
Fees payable for pursuing education in the
eligible institutions as mentioned in
Chapter 1, Section 5 (ii) of the scheme.
Chapter 1, Section 5 (ii)
The
student
should
have
secured
admission in institutions like IITs, IIMs,
IIESTs, ISIs, NLUs, AIIMSs, NITs,
XLRI, IISCs, BITS, SPA, NID, IIFTs,
ICFAI Business School etc within and
outside of the state (within India) which
are ranked up to 200 in the overall list or
ranked up to 100 in their respective
individual category of NIRF Rankings or
have been accredited grade either “A" or
above by NAAC.
Chapter 1, Section 5 (ii) to be amended
and read as –
(a) The student should have secured
admission in institutions within
and outside of the state (within
India) which are ranked up to 200
in the overall list or ranked up to
100 in their respective individual
category of NIRF Rankings or
have been accredited grade either
“A" or above by NAAC.
(b)
Further, the student who has
secured admission in the any of the
following institutions will also be
considered
eligible
under
the
Scheme:
All
Institutions
of
National
Importance as per the directives of
the
Ministry
of
Education,
Government of India
All Institutions of Eminence as per
University
Grants
Commission,
Ministry of Education, Government
of India
All Institute of Hotel Management,
Catering Technology and Applied
Nutrition
All National Institute of Fashion
Technology (NIFT)
All National Institute of Design
(NID)
(c)
The student who has secured
admission
in
the
following
institutions situated in Jharkhand
shall also be eligible under the
Scheme:
झारखÖडगजट(असाधारण) मंगलवार, 22 अÈटूबर, 2024
7
All government medical colleges
and
deemed-to-be
Universities
situated in Jharkhand for MBBS,
post-graduation
and
super
specialization in medical courses.
Xavier Institute of Social Science,
Ranchi
National Institute of Advanced
Manufacturing Technology, Ranchi
BIT Sindri, Dhanbad
Central Institute of Petrochemical
Engineering
and
Technology
(CIPET), Ranchi, and
Birsa
Agriculture
University,
Ranchi
Chapter 2, Section 5 (vi)
“Education Loan” means any financial
assistance by way of loan, extended by
the member lending institution to the
eligible borrower for pursuing education
after passing Class 10th onwards to
Undergraduate,
Postgraduate
courses
including professional degree, Diploma
courses and research at doctoral/ post-
doctoral levelor other similar courses in
institutions like IITs, IIMs, IIESTs ISIs,
NLUs, AIIMs, NITs, XLRI, BITS, SPA,
NID, IISc, IIFTs, ICFAI Business School
etc, within the country as per Guruji
Student Credit Card Scheme.
Chapter 2, Section 5 (vi) to be amended
and read as –
“Education Loan” means any financial
assistance by way of loan, extended by
the member lending institution to the
eligible borrower for pursuing education
after passing Class 10th onwards to
Undergraduate,
Postgraduate
courses
including professional degree, Diploma
courses and research at doctoral/ post-
doctoral level or other similar courses in
eligible institutions as mentioned in
Chapter 1, Section 5 (ii) of the scheme.
Chapter 3, Section 4 (ii)
The student must secure admission for
higher
studies/
research
within
the
country, in institutions like IITs, IIMs,
IIESTs, ISIs, NLUs, AIIMSs, NITs,
XLRI, IISCs, BITS, SPA, NID, IIFTs,
ICFAI Business School etc and in the
institutions within and outside of the state
(within India) which are ranked up to 200
in the overall list of NIRF ranking or
ranked up to 100 in their respective
category of NIRF Rankings or have been
accredited grade either “A" or above by
NAAC.
The
list
of
courses
and
colleges/universities,
for
which
this
scheme can be availed shall be decided by
a high-level committee constituted by
DHTE and will be notified from time to
time.
Chapter 3, Section 4 (ii) to be amended
and read as –
The student must secure admission for
higher
studies/
research
within
the
country,
in
eligible
institutions
as
mentioned in Chapter 1, Section 5 (ii) of
the scheme. The list of courses and
colleges/universities,
for
which
this
scheme can be availed shall be decided by
a high-level committee constituted by
DHTE and will be notified from time to
time.
Chapter 3, Section 9
The education loan shall be available for
pursuing education in IITs, IIMs, IIESTs,
ISIs, NLUs, AIIMSs, NITs, XLRI, IISCs,
Chapter 3, Section 9 to be amended and
read as –
The education loan shall be available for
students pursuing education in eligible
institutions as mentioned in Chapter 1,
8
झारखÖडगजट(असाधारण) मंगलवार, 22 अÈटूबर, 2024
BITS, SPA, NID, IIFTs, ICFAI Business
School etc. and in the institutions within
and outside of the state (within India)
which are ranked up to 200 in the overall
list of NIRF Ranking (Overall) or ranked
up to 100 in their respective category of
NIRF Rankings or have been accredited at
least grade ‘A’ by NAAC. The list of
courses and colleges/universities, for
which this scheme can be availed shall be
decided by a high-level
committee
constituted by DHTE and will be notified
from time to time
Section 5 (ii) of the scheme. The list of
courses and colleges/universities, for
which this scheme can be availed shall be
decided by a high-level
committee
constituted by DHTE and will be notified
from time to time
Schedule 4, Clause 10 (i)
Fees payable for pursuing education in the
institutions within and outside of the state
(within India) which have ranked up to
200 in the overall list or have ranked up to
100 in their respective individual category
of
NIRF
Rankings
or
have
been
accredited grade either “A" or above by
NAAC as course/tuition fees
Schedule 4, Clause 10 (i) shall be
amended and read as –
Fees payable for pursuing education in the
in eligible institutions as mentioned in
Chapter 1, Section 5 (ii) of the scheme.
(vi)
राÏय सरकार के ɮवारा बɇकɉ को ऋण कȧ राͧश कȧ 100% गारंटȣ कवर दȣ जायेगी। इसके ͧलए
ऋण Ĥदान करने वाले बɇको के ɮवारा ĤǓतवष[ 0.50% of the outstanding amount कȧ
Guarantee Fee नोडल ͪवभाग को उपलÞध करने का Ĥावधान है। यह Guarantee Fee बɇकɉ के
ɮवारा èवयं वहन ͩकया जायेगा अथवा ͪवɮयाͬथ[यɉ से Collect ͩकया जायेगा, के संबंध मɅ
èपçटता कȧ आवæयकता है। बɇकɉ के ɮवारा सूͬचत ͩकया गया है ͩक बɇͩकंग ¢ेğ मɅ यह
Standard Practice है ͩक बɇकɉ के ɮवारा Guarantee Fee ͪवɮयाͬथ[यɉ से Collect करते हुये
सरकार को उपलÞध कराया जाता है। उÈत के आलोक मɅ योजना के उÍच èतरȣय सͧमǓत के
ɮवारा अनुशंसा कȧ गई है ͩक Guarantee Fee ͪवɮयाͬथ[यɉ से Collect करने या नहȣं करने का
Ǔनण[य बɇकɉ के Discretion पर छोड़ Ǒदया जाय। तदनुसार ͪवèतृत माग[दͧश[का मɅ Ǔनàनवत्
संशोधन ͩकया जाता है-
पूव[ के Ĥावधान
संशोͬधत Ĥावधान
Chapter 2, Section 11
For availing the guarantee coverage, the
Member Lending Institution shall pay
Annual Guarantee Fee (AGF) of 0.50%
p.a. of the outstanding amount as on the
date of application of guarantee cover,
upfront to DHTE within 30 days from the
date of Credit Guarantee Demand Advice
Note (CGDAN) of guarantee fee in a
bank account as specified by DHTE. All
Chapter 2, Section 11 to be amended and
read as –
For availing the guarantee coverage,
Member Lending Institution shall pay
Annual Guarantee Fee (AGF) of 0.50%
p.a. of the outstanding amount as on the
date of application of guarantee cover,
upfront to DHTE within 30 days from the
date of Credit Guarantee Demand Advice
Note (CGDAN) of guarantee fee in a bank
account as specified by DHTE. All
झारखÖडगजट(असाधारण) मंगलवार, 22 अÈटूबर, 2024
9
subsequent AGFs would be calculated
based on the outstanding loan amount as
at the beginning of the Financial Year,
i.e., 1st April.
subsequent AGFs would be calculated
based on the outstanding loan amount as
at the beginning of the Financial Year,
i.e., 1st April. The Member Lending
Institution, at its own discretion, may
charge the Annual Guarantee Fee from
the borrower.
Schedule 3 Section 9 (i)
For availing the guarantee coverage, THE
SECOND PART shall pay Annual
Guarantee Fee (AGF) of 0.50% p.a. of the
outstanding amount as on the date of
application of guarantee cover, upfront to
THE FIRST PART within 30 days from
the date of Credit Guarantee Demand
Advice Note (CGDAN) of guarantee fee
in a bank account as specified by THE
FIRST PART. All subsequent AGFs
would be calculated based on the
outstanding loan amount as at the
beginning of the Financial Year, i.e., 1st
April.
Schedule 3 Section 9 (i) to be amended
and read as –
For availing the guarantee coverage, THE
SECOND PART shall pay
Annual
Guarantee Fee (AGF) of 0.50% p.a. of the
outstanding amount as on the date of
application of guarantee cover, upfront to
THE FIRST PART within 30 days from
the date of Credit Guarantee Demand
Advice Note (CGDAN) of guarantee fee
in a bank account as specified by THE
FIRST PART. All subsequent AGFs
would be calculated based on the
outstanding loan amount as at the
beginning of the Financial Year, i.e., 1st
April. The SECOND PART, at its own
discretion, may charge the Annual
Guarantee Fee from the borrower.
(vii)
ͧलͪपकȧय ğुǑट के कारण ͪवèतृत माग[दͧश[का के Chapter 1, Section 11 (i) मɅ Development
Commissioner के èथान पर Divisional Commissioner अंͩकत है। अतः उÈत ğुǑट के सुधार
हेतु Ǔनàनवत् संशोधन ͩकया जाता है-
पूव[ के Ĥावधान
संशोͬधत Ĥावधान
Chapter 1, Section 11 (i)
The State Government shall set up a
High-power monitoring committee under
the
Chairpersonship
of
Divisional
Commissioner, Jharkhand for regular
monitoring of the progress of the scheme
of the scheme.
Chapter 1, Section 11 (i) to be amended
and read as –
The State Government shall set up a
High-power monitoring committee under
the Chairpersonship of Development
Commissioner, Jharkhand for regular
monitoring of the progress of the scheme
of the scheme.
(viii)
ͪवèतृत माग[दͧश[का के Chapter 1, Section 5 (v)के अनुसार यǑद ͩकसी कोस[ के ͧलए
ͪवɮयाथȸ के ɮवारा पूव[ से ͧश¢ा ऋण ͧलया गया है तो उसे गुǾजी èटूडɅट Đेͫडट काड[ योजना के
अÛतग[त ͧश¢ा ऋण नहȣं ͧमल सकेगा। उÈत Ĥावधान के कारण ऐसे ͪवɮयाथȸ जो पूर्व से
ͧश¢ा ऋण लेकर अÚययन कर रहे हɇ तथा गुǾजी èटूडɅट Đेͫडट काड[ योजना अÛतग[त
Subsidized ऋण का लाभ लेना चाहते हɉ, उÛहɅ इसका लाभ नहȣं ͧमल रहा है। अतः ऐसे इÍछुक
ͪवɮयाͬथ[यɉ को योजना का लाभ Ĥदान करने के ͧलए ͪवèतृत माग[दͧश[का के Chapter 1,
Section 5 (v) मɅ Ǔनàनवत् संशोधन ͩकया जाता है-
10
झारखÖडगजट(असाधारण) मंगलवार, 22 अÈटूबर, 2024
पूव[ के Ĥावधान
संशोͬधत Ĥावधान
Chapter 1, Section 5 (v)
The student should not have availed
education loan from any State Co-
operative Banks or Central Co-operative
Banks or District Central Co-operative
Banks or any Public or Private sector
Banks for the course in which he/she is
applying for loan under the Scheme.
Chapter 1, Section 5 (v) to be amended
and read as –
The student should not have an on-going/
active education loan from any State Co-
operative Banks or Central Co-operative
Banks or District Central Co-operative
Banks or any Public or Private sector
Banks for the course in which he/she is
applying for loan under the Scheme. The
student
shall
close
their
existing
education loan accounts and obtain a No
Objection Certificate from the concerned
Bank in order to become eligible for
education loan under the Scheme.
(ix)
योजना के काया[Ûवयन के Đम मɅ ऐसे मामले Ĥकट हुये हɇ, िजसमɅ ͩकसी Ǔनजी ͪवæवͪवɮयालय
(Deemed to be University) अंतग[त Off Campus/Extension Centere मɅ पढ़ने वाले
ͪवɮयाͬथ[यɉ को इस संबंध मɅ माग[दͧश[का मɅ èपçटता कȧ कमी के कारण योजना का लाभ नहȣं
Ǒदया जा रहा है। अतः ऐसे ͪवɮयाͬथ[यɉ को योजना का लाभ Ĥदान करने के ͧलए ͪवèतृत
माग[दͧश[का मɅ Ǔनàनवत् संशोधन ͩकया जाता है-
पूव[ के Ĥावधान
संशोͬधत Ĥावधान
Chapter 1, Section 2 (viii)
“Institution(s)” means a school/ college/
university notified by the High-level
committee in which student shall secure
admission
for
eligibility
under
the
scheme.
Chapter 1, Section 2 (viii) to be amended
and read as –
“Institution(s)” means a school/ college/
university/ Private Institution recognised
as
deemed-to-be
University
under
suitable regulations of University Grants
Commission/ off-campus centres of the
Private Institution recognised as deemed-
to-be University/ extension centre of the
Private Institution recognised as deemed-
to-be University as notified by the High-
level committee in which student shall
secure admission for eligibility under the
scheme.
Chapter 2, Section 5 (xi)
“Institution(s)” means a school/ college/
university notified by the High-level
committee in which student shall secure
admission
for
eligibility
under
the
scheme.
Chapter 2, Section 5 (xi) to be amended
and read as –
“Institution(s)” means a school/ college/
university/ Private Institution recognised
as
deemed-to-be
University
under
suitable regulations of University Grants
Commission/ off-campus centres of the
Private Institution recognised as deemed-
to-be University/ extension centre of the
Private Institution recognised as deemed-
to-be University as notified by the High-
level committee in which student shall
secure admission for eligibility under the
scheme.
झारखÖडगजट(असाधारण) मंगलवार, 22 अÈटूबर, 2024
11
Chapter 3, Section 4 (iii)
The student shall apply online as per the
format provided through a web-based
portal to be maintained by the corpus
bank on behalf of the DHTE after
securing admission in a school/ college/
university
notified
by
High
Level
Committee/DHTE
with
proof
of
admission and detailed fee schedule. The
portal will have dashboard for each such
student which shall be accessible by the
DHTE, Member Lending Institution and
Corpus Bank.
Chapter 3, Section 4 (iii)
The student shall apply online as per the
format provided through a web-based
portal to be maintained by the corpus
bank on behalf of the DHTE after
securing admission in an institution
notified by High Level Committee/DHTE
with proof of admission and detailed fee
schedule. The portal will have dashboard
for each such student which shall be
accessible
by
the
DHTE,
Member
Lending Institution and Corpus Bank.
(x)
योजना के वत[मान Ĥावधानɉ के अनुसार ऋण वसूलȣ के पूव[ संबंͬधत ͪवɮयाथȸ को इस संबंध मɅ
सूͬचत ͩकया जायेगा तथा उसकȧ सहमǓत के उपरांत बɇक अथवा सरकार के ɮवारा आवæयक
कार[वाई कȧ जायेगी। योजना हेतु उÍच èतरȣय सͧमǓत के ɮवारा अनुशंसा कȧ गई है ͩक वसूलȣ
के पूव[ संबंͬधत ͪवɮयाथȸ कȧ सहमǓत ĤाÜत करने संबंधी Ĥावधान को ͪवलोͪपत ͩकया जाय।
तदनुसार ͪवèतृत माग[दͧश[का मɅ Ǔनàनवत् संशोधन ͩकया जाता है-
पूव[ के Ĥावधान
संशोͬधत Ĥावधान
Chapter 1, Section 6 (vi), Flowchart
Step 6: Student accepts/rejects charges
under PDR Act.
Chapter 1, Section 6 (vi) should be
amended as:-
Step 6: Student accepts/rejects charges
under PDR Act within 15 days. In case of
no action by the student, the charges shall
be deemed accepted. In case of rejection
by the student, the matter shall be
directed towards DHTE, whose decision
shall be final and binding.
Chapter 1, Section 6 (vi) (f)
Student to accept charges – Student
accepts the charges under PDR Act for
the defaulted loan account.
Chapter 1, Section 6 (vi) (f) should be
amended as follows:-
Student to accept / rejects charges –
Student accepts / rejects the charges under
PDR Act for the defaulted loan account
within 15 days. In case of no action by the
student, the charges shall be deemed
accepted. In case of rejection by the
student, the matter shall be directed
towards DHTE, whose decision shall be
final and binding.
Schedule 4, Clause 16 (vi)
THE THIRD PART shall accept the
charges under PDR Act for the defaulted
loan account.
Schedule 4, Clause 16 (vi) should be
amended as follows:-
THE THIRD PART shall accept / reject
the charges under PDR Act for the
defaulted loan account within 15 days. In
case of no action by THE THIRD PART,
the charges shall be deemed accepted. In
case of rejection by THE THIRD PART,
the matter shall be directed towards THE
FIRST PART, whose decision shall be
final and binding.
12
झारखÖडगजट(असाधारण) मंगलवार, 22 अÈटूबर, 2024
(xi)
योजनाÛत[गत ऋण Ĥदान करने हेतु वत[मान ĤͩĐया के अनुसार ऋण के Disbursement के पूव[
ͪवɮयाथȸ, बɇक तथा सरकार के मÚय ǒğप¢ीय एकरारनामा (Tripartite Agreement)
हèता¢ǐरत ͩकया जाना है। इसके ͧलये एकरारनामा का हाड[ कॉपी बɇकɉ के राÏय भर मɅ
अविèथत ͪवͧभÛन शाखाओं से जमा करते हुये उÍच एवं तकनीकȧ ͧश¢ा ͪवभाग के काया[लय
मɅ लाकर हèता¢ǐरत कराया जाना है। इस ĤͩĐया के कारण ऋण के Disbursement मɅ काफȧ
ͪवलंब हो रहा है तथा ͪवɮयाͬथ[यɉ को समय पर ऋण नहȣं ͧमलने के कारण नामांकन मɅ
कǑठनाई हो रहȣ है ।
अतः ǒğप¢ीय एकरारनामा (Tripartite Agreement) कȧ ĤͩĐया को सरल बनाने तथा
ससमय Disbursement करने के उɮदेæय से एकरारनामा का हाड[ कॉपी मɅ बɇक तथा ͪवɮयाथȸ के
ɮवारा हèता¢र करने के उपरांत हȣ ऋण कȧ राͧश का Disbursement ͩकया जायेगा।
Disbursement के पूव[ ͪवभागीय पदाͬधकारȣ के हèता¢र कȧ आवæयकता नहȣं होगी। Ĥ×येक
माह मɅ संबंͬधत बɇक के नोडल पदाͬधकारȣ के ɮवारा अपने बɇक के सभी शाखाओं से एकरारनामा
कȧ हाड[ कॉपी एकǒğत करते हुए उÍच एवं तकनीकȧ ͧश¢ा ͪवभाग, झारखÖड मɅ हèता¢र हेतु
समͪप[त ͩकया जायेगा। हèता¢रोपरांत एकरारनामा कȧ ĤǓत को योजना हेतु तैयार ͩकये वेब
पोट[ल पर अपलोड ͩकया जायेगा। साथ हȣ, ͪवèतृत माग[दͧश[का के साथ संलÊन Schedule 4-
Tripartite Agreement मɅ Ǔनàनवत् संशोधन ͩकया जाता है-
पूव[ के Ĥावधान
संशोͬधत Ĥावधान
Schedule 4, Clause 22
In Witness Whereof the parties have
executed these presents on the day and
year hereinabove written and, in the
manner, hereinafter mentioned.
Schedule 4, Clause 22 to be amended and
read as –
In Witness Whereof the parties have
executed these in the manner, hereinafter
mentioned. Government of Jharkhand
through Director, Higher Education or
his/her representative is a party to the
tripartite Agreement.
(xii)
योजना के ͪवèतृत माग[दͧश[का के Chapter 2 Section 13 (i) (c) के अनुसार बɇकɉ के ɮवारा
सरकार से ऋण कȧ गारंटȣ Invoke करने के ͧलए period of moratorium के पूव[ 12 माह का
lock-in period का उãलेख है, जबͩक माğ 90 Ǒदनɉ तक ऋण नहȣं चुकाने पर ऋण Non
Performing Asset Declare हो जाता है तथा योजना के Ĥावधानɉ के अनुसार बɇकɉ के ɮवारा
सरकार से ऋण के 75% कȧ राͧश कȧ मांग कȧ जायेगी। अतः उÈत Inconsistensy को दूर करने
हेतु ͪवèतृत माग[दͧश[का मɅ Ǔनàनवत् संशोधन ͩकया जाता है-
झारखÖडगजट(असाधारण) मंगलवार, 22 अÈटूबर, 2024
13
पूव[ के Ĥावधान
संशोͬधत Ĥावधान
Chapter 2 Section 13 (i) (c)
The lock-in period of 12 months from
either the end of period of moratorium of
interest or the date of commencement of
guarantee cover in respect of loan
covered, whichever is later, has elapsed.
As per Guruji Student Credit Card
Scheme, the moratorium is course period
+1 year. Further, servicing of interest
during study period and the moratorium
period till commencement of repayment is
optional for students.
Chapter 2 Section 13 (i) (c) to be
amended and read as –
As per Guruji Student Credit Card
Scheme, the moratorium lasts for one (01)
year after the end of the course period.
Further, servicing of interest during study
period and the moratorium period till
commencement of repayment is optional
for students.
Schedule 3 Section 11(i) (c)
The lock-in period of 12 months from
either the end of period of moratorium of
interest or the date of commencement of
guarantee cover in respect of loan
covered, whichever is later, has elapsed.
As per Guruji Student Credit Card
Scheme, the moratorium is course period
+1 year. Further, servicing of interest
during study period and the moratorium
period till commencement of repayment is
optional for students.
Schedule 3 Section 11 (i) (c) to be
amended and read as –
As per Guruji Student Credit Card
Scheme, the moratorium lasts for one (01)
year after the end of the course period.
Further, servicing of interest during study
period and the moratorium period till
commencement of repayment is optional
for students.
(xiii)
योजना के काया[Ûवयन हेतु गǑठत उÍच èतरȣय सͧमǓत कȧ शिÈतयɉ मɅ अÛय शिÈतयɉ को
जोड़ने कȧ आवæयकता है ताͩक योजना के काया[Ûवयन के Đम मɅ आने वाले कǑठनाइयɉ को दूर
करने हेतु उÍच èतरȣय सͧमǓत के ɮवारा ससमय Ǔनण[य ͧलया जा सके। तदनुसार ͪवèतृत
माग[दͧश[का के Chapter 1, Section 10 मɅ Ǔनàनवत् Ĥावधान जोड़ा जाता है-
The following Sub Sections (xvii) to (xxii) to be added in Chapter 1, Section 10 –
(xvii) To modify the drafts of the agreements attached as Schedule to the detailed
guidelines, in consultation with the Law Department, Government of
Jharkhand,
(xviii) To prepare and recommend budget for procurement of goods or services
related to promotional with approval from the Competent Authority and
under limits prescribed by the State Government,
(xix) To approve transfer of funds into the designated Corpus Bank Account of the
Scheme for interest subvention, Credit Guarantee payment or future
provisioning,
(xx) To approve and make payments to the GSCC Development Agency, for
development
and
maintenance
of
the
Web
Portal,
for
smooth
implementation of the Scheme,
(xxi) To change the Corpus Bank selected under the Scheme in consultation with
the Finance Department, Government of Jharkhand, and
(xxii) Interpretation of the guidelines and power to remove/ modify any provision
inconsistent with the objective of the Scheme.
14
झारखÖडगजट(असाधारण) मंगलवार, 22 अÈटूबर, 2024
5.
ͪवभागीय संकãप संÉया 3/यो0 1-02/2022 (उ0ͧश0) 103/बजट, Ǒदनांक-01.08.2023 के
ɮवारा Ǔनग[त गुǾजी èटूडɅट Đेͫडट काड[ योजना कȧ ͪवèतृत माग[दͧश[का को इस हद तक
संशोͬधत समझा जाय। उÈत संशोधन ͪवƣीय वष[ 2024-25 से लागू हɉगे ।
6.
योजना के अÛतग[त ĤǓतवष[ अͬधकतम Ǿ0 500 करोड़ का ऋण ͪवɮयाͬथ[यɉ को उपलÞध कराने
संबंधी बजट Ĥावधान है ।
इसके अǓतǐरÈत योजना के काया[Ûवयन हेतु Ǿपये 03 करोड़ ĤǓतवष[ Contingency
fund कȧ èवीकृǓत Ĥदान कȧ जाती है। उÈत Contingency fund का åयय ĤशासǓनक åयय,
Ĥचार-Ĥसार, helpdesk कȧ èथापना तथा अÛय Support Staff पर åयय, एवं अÛय अÛयाÛय
åयय पर ͩकया जायेगा। Contingency fund से åयय कȧ èवीकृǓत Ǔनदेशक, उÍच ͧश¢ा-सह-
अÚय¢, उÍच èतरȣय सͧमǓत के ɮवारा Ĥदान कȧ जायेगी ।
उÈत राͧश राÏय èकȧम मुÉय शीष[ 2202-सामाÛय ͧश¢ा-उप मुÉय शीष[-03-
ͪवæवͪवɮयालय तथा उÍचतर ͧश¢ा-लघु शीष[-001-Ǔनदेशन एवं Ĥशासन-उप शीष[-ठड-गुǾजी
èटूडɅट Đेͫडट काड[ योजनायɅ के अÛतग[त उपबंͬधत राͧश मɅ से ͪवकलनीय होगा ।
7.
Ĥèताव पर मंǒğपǐरषद कȧ बैठक Ǒदनांक-14.10.2024 मɅ मद संÉया-24 के Ǿप मɅ èवीकृǓत
Ĥदान कȧ गयी है ।
झारखÖड राÏयपाल के आदेश से,
राहुल कुमार पुरवार,
सरकार के Ĥधान सͬचव ।
--------
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राँची ɮवारा Ĥकाͧशत एवं मुǑġत,
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