Scholarship

Scholarships for engineering students – Willing to pursue an engineering degree program? You must be aware of the fact that the cost of pursuing an engineering course from a recognised college/university generally ranges from INR 8 Lakh to INR 20 Lakh. Whether you opt for a government college or a private college, a majority of students find it difficult to meet the costly expenses of the course. This creates a need for financial assistance for students wherein scholarships for engineering students play a crucial role in funding their overall education expenses. Every year, over 13 Lakh engineering aspirants turn up to fulfill their dreams. To support these aspiring engineers, pursue their dream education, a number of universities, private organizations and corporates are offering a plethora of scholarships and fellowships.

This article comprises the list of all types of scholarships for engineering students. Whether you want to pursue a BE/BTech programme or a ME/MTech programme or above, these scholarships will make much of the things easier for you.

Scholarships for engineering students – Government-funded

A major chunk of scholarship is contributed by different government departments at central and state level for students to pursue school and college-level studies. Moreover, to ensure that the upcoming generation is well-versed in both technical and professional skills, it also offers scholarships for engineering students, medical students, research students, law aspirant and more. The financial assistance that it renders to students through scholarships helps them in acquiring their dream career without any financial constraint.

Both the central and the state governments offer scholarships to help you pursue engineering from a reputed institution in India and excel in the same field. Which are the scholarships offered by the central government? Which are the scholarships offered by the state government? Get an answer to all your questions hereunder.

Scholarships for engineering students – Funded by Central Government

The government of India hosts a number of scholarship schemes to promote technical and professional education among students. Whether you want to pursue an undergraduate degree or a postgraduate degree in Engineering, the government has something good to offer for you at each level. Every year, the government allocates thousands of crores for the sake of education out of which hundreds of crores worth scholarships are disbursed to meritorious and needy students.

Find out which are the scholarships for engineering students offered by the central government or its related organisations in the list given below.

List of scholarships for engineering students funded by Central Government

S.No.	Scholarship Name	Provider	Application Period*
1	Post Matric Scholarships Scheme for Minorities	Ministry of Minority Affairs, Government of India	July to September
2	Merit Cum Means Scholarship for Professional and Technical Courses CS (Minorities)	Ministry of Minority Affairs, Government of India	July to September
3	Scholarships for Top Class Education for Students with Disabilities	Department of Empowerment of Persons with Disabilities, Ministry of Social Justice and Empowerment, Government of India	July to October
4	Prime Minister’s Scholarship Scheme for Central Armed Police Forces and Assam Rifles	Welfare and Rehabilitation Board, Ministry of Home Affairs, Government of India.	July to October
5	Post Matric Scholarship for Students with Disabilities	Department of Empowerment of Persons with Disabilities, Ministry of Social Justice and Empowerment, Government of India	July to October
6	Central Sector Scheme of Scholarship for College and University Students	Department of Higher Education, Ministry of Human Resource Development, Government of India	July to October
7	Financial Assistance for Education of the Wards of Beedi/Cine/IOMC/LSDM Workers – Post-Matric	Ministry of Labour and Employment, Government of India	July to October
8	S.N. Bose Scholarship Program	SERB, DST (Govt. of India), IUSSTF & WINStep Forward	September to October
9	AICTE PG (GATE/GPAT) Scholarship	All India Council for Technical Education (AICTE)	June to August
10	AICTE-National Doctoral Fellowship Scheme	All India Council for Technical Education (AICTE)	April to June
11	Digital India Internship Scheme	Ministry of Electronics and Information Technology, Government of India	April to May
12	Prime Minister’s Research Fellowship (PMRF)	Ministry of Human Resource Development, Government of India	February to April
13	Khorana Program for Scholars	Indo-US Science and Technology Forum (IUSSTF)	December to January
14	Ramanujan Fellowship (Science and Engineering Research Board)	Science & Engineering Research Board	Runs throughout the year

*The application period mentioned above is tentative which may change on the discretion of the scholarship providing authorities.

Scholarships for engineering students – Funded by State Government

Besides the contribution made by the central government, the state governments too, offer scholarships to provide financial assistance to students who aspire to pursue a career in engineering. Disbursed on the basis of a student’s merit or means or both merit and means, these scholarships cover the cost of pursuing an engineering degree program. Announced separately by the state governments, you can find the information about the scholarships for engineering students either at the National Scholarship Portal or the respective state’s portal.

When can you apply for these scholarships? Find details about the state government-funded scholarships for engineering students in the list given below.

List of scholarships for engineering students funded by State Government

S.No.	Scholarship Name	Provider	Application Period*
1	PRERANA Scholarship for ST/SC/OBC/SEBC/EBC Communities	Government of Odisha	July to October
2.	Swami Vivekananda Merit Cum Means Scholarship for Minorities, West Bengal	Government of West Bengal	July to September
3	Suvarna Jubilee Merit Scholarship, Kerala	Government of Kerala.	June to August
4	State Merit Scholarship, Kerala	Government of Kerala.	June to August
5	Post-matric (Other Than Intermediate) Scholarship for OBC, Uttar Pradesh	Backward Class Welfare Department, Government of Uttar Pradesh.	July to August
6	Post-matric (Other Than Intermediate) Scholarship for Minorities, Uttar Pradesh	Social Welfare Department, Government of Uttar Pradesh.	July to August
7	Post-matric Scholarship for Disabled, Maharashtra	Social Justice & Special Assistance Department, Government of Maharashtra	June to December
8	Rajarshi Shahu Maharaj Scholarship, Maharashtra	Social Welfare Commissionerate Office, Government of Maharashtra	June to December
9	Book Bank for SC Students, Maharashtra	Social Justice and Special Assistance Department, Government of Maharashtra	June to December
10	Technical Education Scholarships for PG/Degree/Engineering Courses, Himachal Pradesh	Directorate of Technical Education, Vocational & Industrial Training, Government of Himachal Pradesh	June to December
11	Professional Training Allowance and Subsistence Stipend Attached to the Hostel Students	Social Justice and Special Assistance Department, Government of Maharashtra	June to December
12	Nagaland State Merit Scholarship	Department of Higher Education, Government of Nagaland	June to July
13	Post-Matric Scholarship for Schedule Tribe Students, Nagaland	Department of Higher and Technical Education, Government of Nagaland	June to July
14	Rajasthan Yuva Vikas Prerak Internship Program (RYVP)	Government of Rajasthan	April to June
15	NEC Merit Scholarship, Tripura	Directorate of Higher Education, Government of Tripura	March to April
16	Merit Scholarship for SC/ST/OBC/Minority Students, Delhi	Department for the Welfare of SC/ST/OBC, Government of NCT of Delhi	March to April

*The application period mentioned above is tentative which may change on the discretion of the scholarship providing authorities.

Scholarships for engineering students – Private funded

When it comes to scholarships for engineering students, there are numerous private players as well who offer scholarships to fund the education of engineering aspirants. These private players can be either government/private colleges, private organisations, institutions, NGOs or foundations. Aiming towards a common goal, these scholarships are making engineering education easily accessible for both meritorious and underprivileged students.

Below is a collective list of all private-funded scholarships for engineering students that you must surely keep a track of.

List of scholarships for engineering students – private funded

S.No.	Scholarship Name	Provider	Application Period*
1	Keep India Smiling Foundational Scholarship Programme	Colgate-Palmolive (India) Ltd.	June to January
2	Energy & Mobility for the Future Scholarship	KPIT	July to September
3	Gaurav Foundation Scholarship	Gaurav Foundation	July to October
4	Harish-Chandra Research Institute Visiting Students Program in Physics	Harish-Chandra Research Institute, Allahabad	July to October
5	Baba Gurbachan Singh Scholarship Scheme	Sant Nirankari Mandal	July to September
6	Sitaram Jindal Foundation Scholarship	Sitaram Jindal Foundation	Runs all through the year
7	Siemens Scholarship Program	Siemens India	July to August
8	HDFC Educational Crisis Scholarship	HDFC Bank	June to August
9	Swami Dayanand Education Foundation Merit-cum-Means Scholarships	Swami Dayanand Education Foundation	June to August
10	DST and Texas Instruments India Innovation Challenge Design Contest	Texas Instruments in collaboration with Department of Science and Technology (DST)	June to August
11	Nurturing Brilliance Cummins Scholarship Program	Cummins India Foundation	June to August
12	Sahu Jain Trust Loan Scholarship	Sahu Jain Trust	June to August
13	Yashad-Sumedha Scholarship Programme	Sumedha in partnership with Hindustan Zinc Limited, Udaipur	July to September
14	National Scholarship Exam	National Institute of Career Education Foundation	June to September
15	North-South Foundation (NSF) Scholarship	North-South Foundation	June to September
16	Foundation for Excellence Scholarship	Foundation for Excellence	September to December
17	Nationwide Education and Scholarship Test (NEST Scholarship)	S. U. Foundation of	June to September
		India
18	IndusInd Foundation Merit-cum-Means Scholarship	IndusInd Foundation	June to September
19	OP Jindal Engineer & Management Scholarship	O.P Jindal Group	June to August
20	Harish-Chandra Research Institute Visiting Students Program in Physics	Harish-Chandra Research Institute	June to October
21	R D Sethna Loan Scholarship	R. D. Sethna Scholarship Fund	June to August
22	GV School Development Programme (GVSDP), VIT Scholarships	Vellore Institute of Technology	January to March
23	SEST Shoolini Engineering Scholarship Test	Shoolini University	February to April
24	All India Engineering Entrance Scholarship Examination (Primary)	Brainzstorm Technical Excellence Pvt. Ltd.	January to March
25	Amrita Entrance Examination-Engineering (AEEE)	Amrita Vishwa Vidyapeetham	January to March
26	LPU National Entrance and Scholarship Test (LPUNEST)	Lovely Professional University	January to March
27	Marubeni India Meritorious Scholarship	Marubeni India Private Limited	November to January
28	M-Scholarship	Magma Fincorp	June to August
29	Vidyasaarathi-SNL Bearings Scholarship (B.E/B. Tech)	Vidyasaarathi in association with the SNL Bearings Ltd	May to July
30	Shubh Aarambh Scholarship	Mondelez International	June to August
31	JSPN Scholarship	Jaya Satya Pramoda Nidhi	June to July
32	KIET Group of Institutions Merit Scholarship	KIET Group of Institutions, Uttar Pradesh	June to July
33	G.P. Birla Education Foundation Scholarship	G.P. Birla Educational Foundation	June to July
34	DAIICT Admission Cum Scholarship	Dhirubhai Ambani Institute of Information and Communication Technology	May to July
35	RGIPT M.Tech Fellowship	Rajiv Gandhi Institute of Petroleum Technology	April to June
36	NIU Scholarship cum Admission Test	Noida International University	April to May
37	Padala Charitable Trust Scholarship	Padala Charitable Trust	April to May
38	Shiv Nadar University Scholarship	Shiv Nadar University	April to May
39	IISc Summer Fellowship in Science and Engineering	Indian Institute of Science, Bangalore	March to April
40	Chandigarh University Scholarship and Admission Test (CU-SAT)	Chandigarh University	March to April
41	Siksha ‘O’ Anusandhan Admission Test (SAAT)	Siksha ‘O’ Anusandhan University	March to April
42	Ajmal National Talent Search (ANTS) Examination	Ajmal Foundation	February to March
43	SRM University Scholarships	SRM University	February to March
44	GITAM Admission Test (GAT)	GITAM University	February to March
45	IITB-Monash Research Academy Ph.D. Scholarships	IIT Bombay-Monash Research Academy	February to March
46	All India Youth Scholarship Entrance Examination (AIYSEE)	All India Youth Scholarship Entrance Examination (AIYSEE)	December to February
47	Indian Engineering Olympiad	GATE FORUM Engineering Success	December to January
48	AOEC Talent Test	Academy of Engineering Competence	December to January
49	Vel Tech Mahatma Gandhi National Merit Scholarship	Dr RR & Dr SR University	December to January
50	Karunya Varsham Scholarship	Lourdes Matha College of Science & Technology	December to January

*The application period mentioned above is tentative which may change on the discretion of the scholarship providing authorities.

Scholarships for Engineering Students – Especially for girls

Do you know there are about 9 to 10 scholarships available exclusively for girls who are willing to pursue a career in engineering? If not, then this section compiles the list of scholarships especially for girls who aspire to emerge as successful engineers in the near future. Both the government and private organisations offer scholarships for girls to ensure that finances do not become a hurdle in their pathway to success.

List of scholarships for engineering students for girls

• Adobe India Women-in-Technology Scholarship – Adobe-India – July to October
• Fair and Lovely Foundation Scholarship – Fair and Lovely Foundation – August to October
• Dr. Reddy’s Foundation Sashakt Scholarship – Dr. Reddy’s Foundation – June to August
• Bigyani Kanya Medha Britti Scholarship (JBNSTS), West Bengal – Jagadis Bose National Science Talent Search (JBNSTS), Kolkata – May to July
• L’Oréal India For Young Women in Science Scholarship – L’Oréal India – May to July
• UGAM – Legrand Scholarship Program – Legrand India – June to July
• Tata Housing Scholarships for Meritorious Girl Students – Tata Housing – February to March
• RWTH International Academy – Women in Engineering Scholarship – RWTH Aachen University, Denmark – January to March
• Indo-U.S. Fellowship for Women in STEMM – Department of Science and Technology (DST), Government of India and Indo-U.S. Science & Technology Forum (IUSSTF) – January to February

*The application period mentioned above is tentative which may change on the discretion of the scholarship providing authorities.

Scholarships for engineering students – Selective list

Adding to your information, here is a detailed compilation of information about 10 selected scholarships for engineering students prevailing in India. This includes scholarships offered by private organisations, NGOs and the government.

1. Siemens Scholarship Program

This is a private-funded scholarship that supports the studies of students in their first year of engineering in streams like Electrical, Electronics/Instrumentation, Mechanical/Production, Electronics and Telecommunication, Instrumentation, Computers/Information Technology.

2. North South Foundation (NSF) Scholarship

This scholarship is meant for students who have passed their Class XII and want to continue their studies in the field of engineering or medicine. The scholarship up to INR 25,000 will be provided to students for the entire course whose family annual income is less than INR 90,000.

3. Sahu Jain Trust Loan Scholarship

Whether you are looking forward to pursuing an undergraduate or postgraduate course in technical subjects like Medical, Engineering, Infotech or MBA, you can fund your education with this loan scholarship. Under this scholarship scheme, you can win the cash amount ranging from INR 2500 per annum to INR 25,000 per annum.

4. Swami Dayanand Education Foundation Merit-cum-Means Scholarships

This is a merit-cum-means based scholarship for students pursuing engineering, IT, pharmacy, medical and architecture courses from a recognized government or private institutions in India. You can stand a chance to win a scholarship up to INR 50,000 per annum under this scheme.

5. Yashad-Sumedha Scholarship Programme

This scholarship is meant for talented students belonging to economically backward society, this scholarship for engineering students offer financial assistance of INR 20,000 per annum to students who are studying in the first semester of BTech programme at any government college.

6. Foundation for Excellence Scholarship

This scholarship is for students enrolling in BE/BTech and MBBS degree program. The scholarship is provided to those whose parental income is less than INR 1,80,000 from all sources. The students will be selected based on their performance in state/national level entrance examinations and financial constraints.

7. Nurturing Brilliance Cummins Scholarship Program

Whether you want to pursue a professional diploma or degree course in Engineering, this scholarship can help you fund your education further. Applicable only for locations of Pune, Jamshedpur, Nagar, Phaltan, and Indore, the scholarship majorly covers the admission fee, tuition fee and reimbursement of stationery expenses up to INR 1500 per semester.

8. Nationwide Education and Scholarship Test (NEST-Senior)

Students who have passed Class XII/Diploma/Graduation (Science, Engineering, Medical courses only) will be provided with this scholarship worth INR 35,000 to INR 1,00,000 through an examination test.

The main aim of the scholarship is to prepare students for the exams such as CAT, GATE, GRE, TOEFL for admission in good institutes for higher education and jobs in good companies.

9. Adobe India Women-in-Technology Scholarship

This scholarship is designed to provide an opportunity to Indian women who intend to enroll as a full-time student for the 2018-2019 academic year either in B. Tech or Dual Degree BTech/MTech. The objective of this scholarship is to recognize outstanding female students in the field of technology.

10. OP Jindal Engineer & Management Scholarships

Every year around 100 students from 40 engineering and management institutions are awarded under this scholarship. An amount of INR 80,000 will be provided to selected students. Candidates who have already applied for this scholarship in the past can also apply for it again. The scholarship is given to meritorious students of civil engineering, mechanical engineering, electrical engineering and metallurgical engineering.

This is not the end of the list. There are numerous scholarships for engineering students that are announced every year. Stay in touch with NCERTBooks.Guru to get every significant update of the scholarship world. Furthermore, if you are a registered member of NCERTBooks.Guru, you can continue your engineering studies worry-free as you will get timely alerts about all the scholarships that are coming up for you.

Dr Manmohan Singh Scholarship is an initiative of the University of Cambridge for Indian students who wish to pursue a doctoral level of studies at St. John’s College, Cambridge. Named after the Prime Minister of India, Dr Manmohan Singh Scholarship was started in the year 2009. After having received a graduate degree in Economics (BA -Economics) in the year 1957, Dr Singh was regarded as an Honorary Fellow at St. John’s College. His experience at Cambridge created a profound impact on him that even after decades, he willingly gave his name to this scholarship scheme. The key objective behind introducing this scholarship is to enable exceptionally meritorious students from India to pursue doctoral studies at St. John’s College, Cambridge with special emphasis on subjects like Social Sciences, Economics, Science and Technology. The students, who demonstrate the potential to become future leaders in their respective fields can avail this scholarship.

What is the amount of financial assistance rendered to students under this scholarship scheme? How can a student apply for Dr Manmohan Singh Scholarship? What are the eligibility conditions to be fulfilled? What are the visa requirements? Get an answer to all these questions in detail in this article. It provides every significant detail related to the scholarship including its key dates, eligibility, application process, rewards, selection process and more.

Dr Manmohan Singh Scholarship – Important Dates

When can a student apply for Dr Manmohan Singh Scholarship? When is the interview conducted for shortlisted candidates? When are the final selection results declared? What are the other important dates that a prospective student should keep in mind while preparing to study in the UK? The answers to all these questions are covered in the table below. It highlights the list of important dates related to the scholarship. The students are advised to act as per the deadlines available.

List of Important Dates for Dr Manmohan Singh Scholarship 2019

S.No.	Particulars	Key Dates*
1.	Last Date to Apply for the Scholarship	15 January 2019
2.	Interview Dates	Between April 2019 and June 2019
3.	Declaration of selection results	Within one month of the interview
4.	Commencement of the Doctoral Programme	In the month of September/October 2019

*The dates mentioned above are tentative and applicable for 2019. It may vary every year on the discretion of the scholarship provider.

Dr Manmohan Singh Scholarship – Key Eligibility

The University has set certain conditions that a student needs to fulfil to be eligible for Dr Manmohan Singh Scholarship. The primary condition for the scholarship is that it is open for Indian nationals only. This means that only students with valid Indian passport can apply for it. Besides this, there are several other conditions as well that include –

• The age of the applicant should be below 35 years as on 31 December 2018 (for 2019 session).
• The students must have a postgraduate (master’s) degree from a recognised Indian university/institution.
• They must have obtained a first-class award in UG and PG in relevant field/subject.
• They should be able to provide evidence of their leadership qualities through their personal statements.
• They must be willing to pursue a full-time doctoral degree from the University of Cambridge.
• They must be proficient in written and spoken English.
• They should also be able to fulfil the admission criteria of the University.

Dr. Manmohan Singh Scholarship – Step-Wise Application Process

Once you are aware of the eligibility conditions and the application deadline, you can head forward to apply for Dr Manmohan Singh Scholarship. The application process is online with simple steps to follow. Below is a step-by-step description of the application process that you can follow for successful scholarship application –

Step 1: Identify a doctoral programme and a supervisor at the University of Cambridge.

Step 2: Apply for the doctoral programme online through the official website and secure admission.

Step 3: While applying for the programme, the applicants need to pick St. John’s College as their first preference. Also, indicate on the admission application form that you are applying for the Dr Manmohan Singh Scholarship (if asked).

Step 4: Once the applicant has an offer of a place at the University of Cambridge, he/she needs to fill the scholarship application form available on its official notification and submit before the deadline.

Dr Manmohan Singh Scholarship – Award Details

What kind of financial aid does a student receive under this scholarship scheme? This is one of the most commonly asked questions by the students who aspire to be a part of Dr Manmohan Singh Scholarship programme. It is a full-funded scholarship that offers the following benefits to the students –

• Academic fees
• UK Visa
• International airfare
• A monthly stipend for covering the living expenses

Dr Manmohan Singh Scholarship – Selection Process

The University adopts a strict selection procedure to shortlist candidates for Dr Manmohan Singh Scholarship. The initial shortlisting of all the applications received is done by the Selection Committee, after which a personal interview is conducted for the shortlisted students through Skype. After the interviews are over, the selection committee is responsible for identifying the number of candidates for the scholarship award. The final results will be communicated to students within one month of the interview. After selection, it is the responsibility of St. John’s College to coordinate briefings about pre-departure, travel arrangements and UK visa to the selected students.

Dr Manmohan Singh Scholarship – About St. John’s College

If you aspire to pursue higher studies in the UK, the University of Cambridge is surely the best place you can opt for and St. John’s College is amongst the largest colleges. Ever since its inception in the year 1511, the college has produced numerous laureates including Scientists, Artists, Nobel Prize Winners, Prime Minister and more. Today, the college is host to over 150 fellows who research and teach. Adding to this, the college also offers opportunities for study to over 900 students at undergraduate and postgraduate level.

Dr Manmohan Singh Scholarship – Contact Details

Besides the information covered in the article, if you still come across any doubt or query regarding the scholarship, you can contact the concerned department at St. John’s College via email i.e. [email protected].

Education Loan Subsidy schemes are modes of financial assistance which help students to repay their education loan with ease. Student loan applicants can avail these subsidies in the form of interest rate subsidies, loan forgiveness or rebate on education loan repayment. Education loan subsidy by the Central Government provides various benefits to all kinds of loan applicants to help in their education. There are numerous banks as well which provide interest rate subsidy schemes for education loans based on internal criteria. Here is the complete information about education loan interest subsidy schemes with details of eligibility and application process.

Education Loan Subsidy Schemes: Benefits and Features

• Concession on the interest rate charged by banks on education loans
• Rebate on interest paid towards repayment of education loan
• Collateral waiver for education loans below certain ranges
• Reimbursement of processing charges and additional expenses
• Waiver of education loan principal amount (conditional)
• Taxation benefits based on Section 80/E under Income Tax Act

Education Loan Subsidy: Types and Categories

Education loan subsidies are not limited to interest rate and taxation benefits only, they also provide rebate on interest paid towards education loan and principal loan amount waiver. Students pursuing graduation, post-graduation and other levels of higher education can avail these subsidies based on the eligibility criteria for the education loan schemes. But, before they apply for any such scheme, applicants should know complete details about education loan subsidy programs.

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Note: Students can now apply for customized education loans to adjust loan EMIs and repayment schedule. Applicants for education Loans to study abroad can benefit specially from these services by availing part-payment and pre-payment schemes. Check with education loan experts or read more about customized education loan from our article section.

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Types of Education Loan Subsidy Schemes

Interest Reimbursement

Government Education Loan Subsidies generally feature interest reimbursement benefits only. Such schemes help the students by reimbursing the interest they pay as EMIs for their education loan. Education Loan EMIs comprise of interest rate component and loan principal amount component. Under interest reimbursement subsidy schemes, the interest component paid against the education loan for a certain period of time is refunded, just like a cashback benefit.

Interest Concession

Banks providing education loans to students generally provide such interest rate subsidies. This variant of education loan subsidy provides a concession or discount on interest rate charged on the loan amount. This means that the effective rate of interest on education loan will decrease immediately. These type of benefits are generally time-invariant, which means they last for the complete duration of education loan repayment.

Loan Principal Waiver

Under some seasonal government schemes, students are provided with the loan waiver schemes to help with their education. Such schemes provide a complete waiver of pending education loan provided the students adhere to the scheme conditions. General conditions of such schemes include community-based eligibility, income-based eligibility, record of previous loan repayments, etc.

Education Loan Interesting fact: Indian students can also take education loan from foreign banking institutions. Students pursuing international studies applying for education loan with confirmed admission can seek loans from international banking institutions. Such loans are also eligible for loan forgiveness and loan refinance options.

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Education Loan Subsidy Schemes Provided by Banking Institutions

Almost all banks in India which provide education loans offer some interest rate subsidy to the loan applicants. These schemes are generally dependent on gender, community and family income slabs. Here is a list of popular education loan subsidy schemes provided by PSU banks/private banks/NBFCs (Non-Banking Financial Institutions).

Education loan interest subsidy- Private & PSU Bank schemes

S. No.	Bank Name	Subsidy type and limits	Terms and conditions
1.	State Bank of India (SBI)	0.50% interest rate concession	Loan for girl students
		0.50% interest rate concession	Students availing SBI Rinn Raksha (Education Loan insurance scheme)
2.	Axis Bank	0.25% interest rate concession	Loan for girl students
3.	Canara Bank	0.50% interest rate concession	Loan for girl students
4.	Bank of Baroda	0.50% interest rate concession	Loan for girl students
		100% processing charge subsidy	Skill loan scheme applicants
5.	Bank of India	1.0% interest rate concession	For students not paying EMIs during moratorium period/holiday period
		0.50% interest rate concession	Loan for girl students
		0.50 % interest rate concession	Applicants pursuing professional courses (engineering, medical, management)
6.	ICICI Bank	0.50% interest rate concession	Loan for girl students

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Did you know: Education loans cover numerous unique expenses like student insurance, student tour expenses, thesis writing expenses and expenses for entrance tests like SAT exams, LSATS, GRE, TOEFL, IELTS, GMAT, etc. Check with your bank the complete list of expenses covered by the education loan.

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Education Loan Subsidy Schemes Provided by the Government of India

The Government of India provides education loan subsidy schemes to help students repay their education loan more conveniently. The government subsidy schemes are collectively bundled as Central Sector Interest Subsidy (CSIS) Schemes. There are subsidy schemes for students from all sections of society but most of them are based on certain income-based limits. Here is a list of all the education loan subsidy schemes provided by the Indian government.

S. No.	Subsidy Scheme Name	Subsidy Type and Limits	Terms and conditions
1.	Central Sector Subsidy Scheme (CSIS) Provided by Ministry of Human Resource and Development	Interest reimbursement	Education loan applicants paying education loan EMIs while pursuing their course 100% reimbursement of interest paid against education loan EMIs Family income limit: ₹4,50,000 (4.5 lakhs) per annum
2.	Dr. Ambedkar Central Scheme of Interest Subsidy on Education Loan for Overseas studies for OBC & EBC) Provided by Ministry of Social Justice and Empowerment	Interest reimbursement	Education loan applicants (OBC & EBC only) paying education loan EMIs while pursuing their studies abroad 100% reimbursement of interest paid against education loan EMIs Family Income Limit OBC (Other backward classes): ₹3,00,000 (3 lakhs) per annum EBC (Economically backward classes): ₹1,00,000 (1 Lakh) per annum
3.	Padho Pradesh Central Scheme of Interest Subsidy for Minorities Provided by Ministry of Minority Affairs	Interest reimbursement	Education loan applicants (minorities like Jain, Parsi, etc.) paying education loan EMIs while pursuing their studies abroad 100% reimbursement of interest paid against education loan EMIs Family Income Limit: ₹6,00,000 (6 lakhs) per annum

Education Loan Subsidy Schemes: How to Apply

The important point to remember for education loan subsidy schemes is that they are not automatically activated for eligible candidates, students need to apply for these services. The application procedure for subsidy schemes is very simple and does not require any repeated visits to the bank. Here is the procedure to apply for education loan interest subsidies.

Education loan myth-buster: Canara Bank is the nodal bank for all education loan subsidy schemes provided by the government (CSIS schemes). Many students presume that they have to apply for subsidies at Canara Bank branches. But this is ‘NOT TRUE’.

Students need to apply for education loan subsidy at the bank which provides them the education loan. The fact that Canara Bank is the nodal bank for these schemes has got nothing to do with subsidy applications at applicant level.

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Application Procedure for Education Loan Subsidy

• Collect the necessary documents required for education loan subsidy application
  • CSIS: Income certificate and loan agreement
  • ACSIS: Income certificate and caste certificate (issued by competent authority)
  • Padho Pardesh Scheme: Income certificate and minority certificate (issued by competent authority)
  • All bank-based subsidy schemes: Income certificate, ID proofs and proof of admission
• Visit the nearest branch of the bank which provides you the education loan
• Ask for an ‘Education Loan Subsidy Application Form’
• Fill in the required details and submit your documents with the application
• Track your application regularly by seeking the status update from bank officials
• Provide additional documents as (if) requested by bank authorities

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Did you know there are loan based scholarships as well which allow students to avail a scholarship for interest free loan and repay in an extended period of time? Such loans also allow students to avail loan forgiveness based on their academic performance. Find more such scholarship opportunities for Indian students and avail regular updates for them via sms and email at our website.

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Education Loan Subsidy: Other Schemes

There are other forms of subsidies for education loans provided by state governments of India. These schemes are commonly periodic in nature, pilot programs or fixed duration programs. The benefits of such schemes may vary from interest reimbursement to principal amount waiver.

Kerala Education Loan Repayment Support Scheme

To help students of Kerala pay back their education loan, the state government of Kerala is providing them with a unique benefit of education loan repayment support. The students who struggle with their education loans EMIs and have missed some payment schedules can avail this service to continue their EMIs. This helps them avoid accumulation of interest while they continue their education.

The only certainty of securing an education loan subsidy is to find as much information as possible about the latest norms and have complete information about schemes. Students should not always rely on education loans to cover their educational expenses. There are scholarship and fellowship opportunities for Indian students all across the globe, which can be used to fund various academic and non-academic expenses. Most education loans can be adjusted with scholarships to cover margin payment and EMIs. With all the information about education loan subsidies, we hope that you would be able to manage your education loan in the best possible manner.

Sitaram Jindal Scholarship is a merit-cum-means based scholarship scheme. Started by the Sitaram Jindal Foundation, a charitable organisation in Bengaluru, the Jindal scholarship aims to provide financial assistance to deserving meritorious candidates who belong to underprivileged families. The candidates need to be studying in class 11 to post-graduation in order to be eligible for Sitaram Jindal Scholarship. The scholarship covers Polytechnic and Diploma courses in technical education as well. The selected students can avail up to INR 2500 per month scholarship amount under this scholarship scheme.

This article will provide you with detailed information on the Jindal scholarship such as eligibility, rewards, deadline, application process and various other details. Find below the complete details of the Sitaram Jindal Scholarship.

Sitaram Jindal Scholarship – Rewards

Sitaram Jindal Scholarship is segregated into different categories as per the courses pursued by the students. The value of the scholarship amounts up to INR 2500 per month which is received by students having different qualifications. Given below is the detailed description about the scholarship amount disbursed among selected students.

Scholarship reward of Jindal Scholarship

S.No.	Category	Scholarship amount (Per month)
1.	Category ‘A’ (Class 11 & 12)	INR 500
2.	Category ‘B’ ITI students	INR 500 (For government ITIs)INR 700 (For private ITIs)
3.	Category ‘C’ (Graduate & postgraduate courses)	INR 1000 (Girls of General category)INR 800 (Boys of General category) INR 1000 (Physically challenged students) INR 1200 (Widows & unmarried wards of Ex-servicemen)
4.	Category ‘D’ (Diploma courses)	INR 1200 (Girls)INR 1000 (Boys)
5.	Category ‘E’ (Engineering & Medicine courses)	INR 1700 (For girls pursuing engineering courses)INR 1500 (For boys pursuing engineering courses) INR 2000 (For girls studying medicine courses) INR 1800 (For boys studying medicine courses) INR 2500 (For girls pursuing PG courses in engineering & medicine courses) INR 2300 (For boys pursuing PG courses in engineering & medicine courses)
6.	For students staying in hostel	INR 800 (Additional amount for hosteller pursuing ITI/Diploma, Graduate/PG courses)INR 1200 (Additional amount for hosteller pursuing Medical, Engineering courses including PG courses)

Sitaram Jindal Scholarship – Key Dates

Jindal scholarship comes under the category of round the year scholarship, which means its application line remains open throughout the year.  The eligible candidates can apply for the scholarship as and when required. However, the candidate can apply for the scholarship only once in the duration of their course.

Sitaram Jindal Scholarship – Eligibility Criteria

In order to be eligible for the receipt of Jindal scholarship, the applicants need to fulfil certain eligibility requirements like marks secured in the previous exam, family income and more. Find the details of those eligibility conditions in the table given below.

Eligibility requirements of Jindal scholarship

S.No.	Category	Eligibility Criteria
1.	Category ‘A’	The applicants must be studying in class 11 and 12. The male applicants must have scored at least 65% marks in the previous exam and girls must have scored a minimum 60% marks to be eligible. However, students of Karnataka and West Bengal must have secured a minimum 75% marks (in case of boys) in the last exam and 70% marks (in case of girls). In case of those in employment, the annual family income must not be more than INR 4 Lakh. For other students, the annual family income must not be more than INR 2.5 Lakh. The applicants must not have crossed the age of 30 years.
2.	Category ‘B’	The applicants must be ITI courses from any government or private institute. The male candidates applying for the scholarship must have scored at least 50% marks in the last exam and female candidates must have scored a minimum 40% to be eligible. In case of those in employment, the annual family income must not be more than INR 4 Lakh. For other students, the annual family income must not be more than INR 2.5 Lakh. The applicants must not have crossed the age of 30 years.
3.	Category ‘C’	The candidates must be studying graduate and postgraduate courses to be eligible. The applicants must have secured at least 65% marks (in case of boys) and 60% marks (in case of girls) in the previous exam. However, students of Karnataka and West Bengal must have secured a minimum 70% marks (in case of boys) in the last exam and 65% marks (in case of girls). In case of those in employment, the annual family income must not be more than INR 4 Lakh. For other students, the annual family income must not be more than INR 2.5 Lakh. The applicants must not have crossed the age of 30 years.
4.	Category ‘D’	The candidates must be pursuing diploma courses like Civil Engg., Computer Science, Chemical, Automobile Tech., Nursing, Pharmacy & Physiotherapy and environment-related courses. The applicants must have secured at least 60% marks (in case of boys) and 55% marks (in case of girls) in the previous exam. In case of those in employment, the annual family income must not be more than INR 4 Lakh. For other students, the annual family income must not be more than INR 2.5 Lakh. The applicants must not have crossed the age of 30 years.
5.	Category ‘E’	The candidates must be studying engineering, medicine and architecture courses. MDS students are not eligible to avail the scholarship. The applicants must have secured at least 70% marks (in case of boys) and 65% marks (in case of girls) in the previous exam. However, students of Karnataka and West Bengal must have secured a minimum 75% marks (in case of boys) in the last exam and 70% marks (in case of girls). In case of those in employment, the annual family income must not be more than INR 4 Lakh. For other students, the annual family income must not be more than INR 2.5 Lakh. The applicants must not have crossed the age of 30 years.

There are some other eligibility conditions that applicants should be mindful of. The conditions are as follows:

• The eligibility percentage marks for differently-abled applicants are pass marks in all the categories.
• The minimum required percentage marks for the continuation of Jindal scholarship is relaxed by 5%.

Sitaram Jindal Scholarship – Application Process

The scholarship application for the Jindal scholarship is submitted through offline mode as well as online. The applicants need to apply through the official website of the Sitaram Jindal Foundation.

Sitaram Jindal Scholarship – Key Documents

The candidates applying for Sitaram Jindal Scholarship need to attach some important documents with the completed application form to support their academic credentials. Find below the list of important documents to be attached with the scholarship form.

• Copy of SSLC/HSC scorecard
• Copy of the last examination
• Copy of the income certificate
• Copy of merit certificate (applicable for Medical, Engineering, Diploma and MBA students)
• Copy of certificates regarding fees paid (applicable for Medical, Engineering, Diploma and MBA students)
• Certificate from the hostel warden (for hostellers)
• Certificate of physical disability from the competent authority (if applicable)
• PPO, Relationship dependency certificate and Ex-servicemen widow I-card (for widows and ex-servicemen)

ePASS Karnataka, also known as KARePASS is a dedicated Electronic Payment and Application System of Scholarships presented by the Department of Backward Classes Welfare, Government of Karnataka. The portal looks after the online disbursement of post-matric scholarships to students who are the domiciles of Karnataka state. The key objective behind introducing the ePASS Karnataka portal is to ensure the educational upliftment of students of the state. It links all treasury, welfare departments, colleges, banks, and SSLC (Secondary Schools Leaving Certificate) database together to ensure hassle-free disbursal of the scholarships.

Want to know more about the Karnataka ePASS portal? Carry on further to know about the key features of the portal, the schemes listed on it, their eligibility criteria, application process, key statistics and more.

ePASS Karnataka – Key Features

In order to ease out the process of inviting applications for the scholarships and disbursing them, the ePASS Karnataka portal was created. Focusing majorly on Post-Matric Scholarships, the portal boasts of the following features that turn out to be useful for the users.

• Provision to know your application number: The students, who do not remember their scholarship application number can search for it using this facility on the portal. They need to provide certain details like SSLC examination number, year of passing SSLC, SSLC pass type and date of birth.
• Check the application status: This feature allows the users to track the real-time status of the scholarship application by providing details like application number, academic year, SSLC pass type, year of passing SSLC, SSLC registration number and date of birth.
• Track hostel application status: Know the status of your hostel application online through this portal by providing your application number and date of birth.
• Prathibha Acknowledgement: Download the acknowledgment receipt of Pratibha Puraskar Scholarship through this feature by either providing applicant reference number or other required details.

Important URLs

S.No.	Particulars	Important URL
1.	Know the application number	Click here
2.	Check application status	Click here
3.	Check hostel application status	Click here
4.	Get Prathibha acknowledgment	Click here

ePASS Karnataka – Schemes Listed

The ePASS Karnataka portal enlists various schemes offered by the Department of Backward Classes Welfare for students studying at different levels of education and belonging to Backward Classes. The key schemes which are available on the portal include the following –

• Post-Matric Scholarship (PMS) Scheme
• Food & Accommodation Scholarship (FAAS) Scheme
• Fee Concession (FC) Scheme

Besides these schemes, the portal also processes the applications for Pre-Matric Scholarships and Vidyasiri scheme.

ePASS Karnataka – Scholarship Details

What are the eligibility conditions to fulfill for the schemes available on the portal? What kind of financial assistance is rendered to students under these schemes? Find the answers to all these questions in detail in the table below. If you are a permanent resident of Karnataka state and belong to the Backward Classes, you are eligible to apply for the scholarship schemes available on ePASS Karnataka portal. Furthermore, refer to the table for detailed information about each scholarship scheme.

Detailed Overview of ePASS Karnataka Scholarship Schemes

S.No.	Scholarship Name	Eligibility	Award Details
1.	Post-Matric Scholarship (PMS)	Students studying at post-matriculation level of education. Annual family income should be less than INR 1.50 Lakhs (for Category 1) and INR  2 Lakhs (for 2A, 3A, and 3B categories).	Scholarship up to INR 3,500 per annum
2.	Food & Accommodation Scholarship (FAAS)	Students studying at a post-matric level in Government/ Government-aided/ housing colleges. Annual family income should be less than INR 2.50 Lakhs (for category 1) and INR 5 Lakhs (for 2A, 3A, and 3B categories).	INR 1,500 per month for 10 months
3.	Fee Concession (FC) Scheme	Students pursuing post-graduate courses can apply. Annual family income should be below INR 1 Lakh (for category 1) and INR 2.50 Lakhs (for 2A, 3A, and 3B categories).	Training FeeLaboratory Fee Sports Fee Readers Charge up to INR 1,750 per annum

ePASS Karnataka – Application Process

The procedure to apply for each scholarship on ePASS Karnataka is simple and easy. The students qualifying the eligibility criteria for any of the scholarship can apply online through the steps mentioned below. Depending on the application timeline for each scholarship, the application page remains open for a specified timeline only.

Step 1: Visit the official website of KARePASS.

Step 2: Lookup for the scholarship notification.

Step 3: Go through the application guidelines carefully.

Step 4: Start the application by registering yourself on the portal.

Step 5: Fill in all required details in the application form and upload all supporting documents.

Step 6: Finally, submit the application form.

ePASS Karnataka – Statistics

How many applications are received for different schemes at ePASS Karnataka portal every year? How many students receive benefits under these schemes? The answers to all these questions are covered in this section. Given below are the key statistics of each scheme for the past five years.

Key Statistics for PMS at ePASS Karnataka*

Academic Sessions	Applications Received	Applications Verified	Applications Sanctioned
2018-19	917,762	666,771	500,505
2017-18	884,511	667,018	541,273
2016-17	767,526	618,882	514,702
2015-16	712,049	525,985	344,689
2014-15	578,439	436,462	338,470

Key Statistics for FC Scheme at ePASS Karnataka*

Academic Sessions	Applications Received	Applications Verified	Applications Sanctioned
2018-19	917,762	877,938	845,178
2017-18	884,511	859,625	823,716
2016-17	767,526	747,644	710,464
2015-16	712,049	673,950	650,320
2014-15	453,142	416,135	402,692

Key Statistics for FAAS at ePASS Karnataka*

Academic Sessions	Applications Received	Applications Verified	Applications Sanctioned
2018-19	917,762	537,886	115,622
2017-18	884,511	544,228	88,328
2016-17	767,526	481,959	79,894
2015-16	712,049	434,161	91,704
2014-15	578,439	375,460	66,648

*The numbers have been taken from the MIS Report available on the ePASS Karnataka portal’s official website.

ePASS Karnataka – Contact Details

In case, you come across any queries related to the ePASS Karnataka scholarship or its application, feel free to contact the provider at below-mentioned address –

Karnataka Backward Classes Welfare Department

No. 16/D, 3^rd Floor, Devraj Urs Bhavan,

Millers Tank Bed Road, Vasanth Nagar,

Bangalore – 560052.

Phone: 8050770005

Email: [email protected]