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+{{htmlmetatags>
+metatag-keywords=(student schemes india, scholarship for students, education loan, neet scholarship, jee scholarship, free coaching scheme)
+metatag-title=(Government Schemes for Students in India 2026 Guide)&metatag-description=(Complete list of central + state schemes for students. NSP scholarships, education loans Vidya Lakshmi, free coaching PRABAL, digital learning SWAYAM, study.)
+}}
+====== Government schemes for students in India ======
+{{:social:auto:audience-students.png?direct&1200 |Government schemes for students in India — RTI Wiki}}
+<WRAP info>
+**Quick answer:** 70+ central + 200+ state scholarships for Indian students. Pre-Matric (class 1-10), Post-Matric (class 11+), Top Class (premier institutions), Merit-cum-Means (technical), Minority, Disabled. **Plus**: education loan (Vidya Lakshmi portal — banks compete), free coaching (PRABAL for SC/ST/OBC), digital learning (SWAYAM, DIKSHA, e-PG Pathshala), study abroad (National Overseas Scholarship Scheme).
+</WRAP>
+===== Who is eligible =====
+Indian students. Income ceiling Rs 2L (OBC) / Rs 2.5L (SC/ST) / Rs 8L (EWS, Top Class) for most. Marks ≥ 50% (general) / 60% (Top Class).
+===== Top 12 schemes =====
+==== 1. National Scholarship Portal (NSP) ====
++ scholarships unified portal. Pre-Matric, Post-Matric, Top Class. Apply Aug-Oct annually. DBT to Aadhaar-linked bank.
+  * **Where to apply:** NSP scholarships.gov.in
+  * **Official portal:** [[https://scholarships.gov.in|https://scholarships.gov.in]]
+==== 2. Vidya Lakshmi (Education Loan) ====
+Single portal for 38+ banks' education loans. 4-12% interest. Up to Rs 10L unsecured / Rs 1Cr+ secured. Apply once, multiple offers.
+  * **Where to apply:** Vidya Lakshmi portal
+  * **Official portal:** [[https://www.vidyalakshmi.co.in|https://www.vidyalakshmi.co.in]]
+==== 3. PRABAL (Free Coaching for SC/ST/OBC) ====
+Free coaching for civil services, JEE, NEET, banking. 100% govt-funded. Apply at empanelled centres.
+  * **Where to apply:** Ministry of Social Justice
+  * **Official portal:** [[https://socialjustice.gov.in/schemes|https://socialjustice.gov.in/schemes]]
+==== 4. SWAYAM Free Online Courses ====
+,000+ courses from IITs/IIMs/Universities. Free + credits via SWAYAM platform. Class 9 to %%PhD%%.
+  * **Where to apply:** SWAYAM portal
+  * **Official portal:** [[https://swayam.gov.in|https://swayam.gov.in]]
+==== 5. DIKSHA (Class 1-12) ====
+NCERT-aligned content for school students. Hindi + 10+ regional languages. Free. App + web.
+  * **Where to apply:** DIKSHA portal
+  * **Official portal:** [[https://diksha.gov.in|https://diksha.gov.in]]
+==== 6. National Overseas Scholarship (NOSGS) ====
+For SC/ST/%%PwD%% students. Up to Rs 80L for masters/%%PhD%% abroad. ~125 selections/year.
+  * **Where to apply:** Ministry of Social Justice
+  * **Official portal:** [[https://socialjustice.gov.in/scheme/52|https://socialjustice.gov.in/scheme/52]]
+==== 7. PM-USP Yashasvi (Top Class) ====
+Pre-matric + post-matric for OBC, EBC, DNT students in Class 9+ at top institutions. Income < Rs 2.5L.
+  * **Where to apply:** NSP / scholarships.gov.in
+  * **Official portal:** [[https://yet.nta.ac.in|https://yet.nta.ac.in]]
+==== 8. AICTE Pragati Scholarship for Girls ====
+Rs 30,000/year for girl students in technical education. Family income < Rs 8L. 5,000 selections/year.
+  * **Where to apply:** AICTE portal
+  * **Official portal:** [[https://www.aicte-pragati-saksham-gov.in|https://www.aicte-pragati-saksham-gov.in]]
+==== 9. Inspire Scholarship (Science) ====
+Rs 80,000/year for science stream students (B.Sc/Int M.Sc). Top 1% in 12th. 10,000 selections/year.
+  * **Where to apply:** Inspire portal
+  * **Official portal:** [[https://www.online-inspire.gov.in|https://www.online-inspire.gov.in]]
+==== 10. National Means-cum-Merit Scholarship (NMMS) ====
+Class 8 to 12. Rs 12,000/year. State exam cleared. Income < Rs 3.5L. State-administered.
+  * **Where to apply:** State Education Dept
+  * **Official portal:** [[https://scholarships.gov.in|https://scholarships.gov.in]]
+==== 11. UDAAN (CBSE for girls in JEE prep) ====
+Free coaching + online + offline for girls preparing JEE. SC/ST/Minority/EWS. CBSE-administered.
+  * **Where to apply:** CBSE Udaan portal
+  * **Official portal:** [[https://cbseacademic.nic.in/udaan.html|https://cbseacademic.nic.in/udaan.html]]
+==== 12. PM Vidya Lakshmi (%%DigiLocker%%) ====
+Digital education loan certificate via %%DigiLocker%%. Single-window education loan EAS-based.
+  * **Where to apply:** %%DigiLocker%%
+  * **Official portal:** [[https://digilocker.gov.in|https://digilocker.gov.in]]
+===== How to apply (general process) =====
+NSP for scholarships, Vidya Lakshmi for loans, sector-specific portals (Inspire, AICTE, SWAYAM) for niche. Common docs: Aadhaar, caste/income/disability cert, marksheet, fee receipt, bank account.
+===== Helplines =====
+  * **Student helpline 0120-6619540 (NSP)** — 9 AM-9 PM
+  * **Education Ministry CPGRAMS** — pgportal.gov.in
+  * **State Education Dept helpdesks** — vary by state
+===== Common issues + how to handle =====
+  * **Multiple scholarships claimed** — NSP auto-blocks duplicates; only one scheme per year DBT.
+  * **Caste/income cert expired** — must be current FY. Re-apply at Tehsildar.
+  * **Bank Aadhaar de-linked** — DBT bounces. Visit bank for NPCI mapper.
+  * **IV verifier didn't act** — escalate to Principal + DNO. Most "rejections" are IV pending.
+===== If a scheme is delayed or rejected — file an RTI =====
+Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
+<code>
+. Status of my application no. _____ dated _____ as on date.
+. Name + designation of dealing officer assigned to my file.
+. Reasons for delay beyond the statutory timeline.
+. Copy of any noting / movement of my file in the past 30 days.
+. Likely date of disbursement / decision.
+</code>
+**Auto-fill the PIO + your case:** [[:rti-for-scholarship-status|Open the RTI Drafter →]]
+===== Frequently asked questions =====
+==== Can I apply for NSP + state scholarship? ====
+Yes — NSP allows registration for both. Disbursal under one scheme per year (whichever higher).
+==== Education loan — collateral mandatory? ====
+Up to Rs 7.5L: no collateral. Above: collateral or co-borrower (parent). PSU banks more flexible than private.
+==== Inspire Scholarship — only science stream? ====
+Yes — B.Sc / Integrated M.Sc. Engineering / medicine excluded.
+==== SWAYAM credits — recognised by my college? ====
+Most universities accept SWAYAM credits up to 20% of degree. Check with your university.
+==== Scholarship delayed > 90 days. Fix? ====
+File RTI to Institution + DNO + State Nodal. Use our [[:rti-for-scholarship-status|scholarship RTI generator]].
+===== Summary + what to do next =====
+<WRAP center round tip 90%>
+**Bottom line:** 12 central + state schemes available. Aadhaar + bank account in own name + community/income certificate (if applicable) is the gateway. If a scheme is delayed beyond timeline, file an RTI.
+  * **Browse all 10 audience hubs:** [[:audience:start|All audience hubs]]
+  * **How to apply step-by-step:** [[:how-to-apply:start|25 application guides]]
+  * **Track applications:** [[:check-status:start|25 status-check guides]]
+  * **If stuck — RTI Drafter:** [[https://righttoinformation.wiki/tools/rti-application-generator|File RTI in 5 minutes]]
+  * **Talk to other citizens:** [[https://righttoinformation.wiki/tools/awaaz-rti.html|AwaazRTI community]]
+</WRAP>
+===== Related reading =====
+  * [[:how-to-apply:start|25 how-to-apply guides]]
+  * [[:rejection-recovery:start|15 rejection-recovery guides]]
+  * [[:documents:start|30 documents-required checklists]]
+  * [[:citizen-rti-playbook|Full RTI Playbook — 100+ scenarios]]
+===== Sources =====
+  * Each scheme's official portal (linked above).
+  * Ministry budget documents + scheme operational guidelines.
+  * Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html|AwaazRTI]] (composite, identifying details removed).
+//Last reviewed: 25 April 2026.//
+{{tag>audience students schemes welfare government-india}}