MBBS Scholarships and Education Loans 2026: India and Abroad — Category-wise and State-wise Guide

Research status: 26 July 2026 Scope: Government scholarships, fee reimbursements, concessional education loans, student-credit schemes and overseas-study support relevant to Indian students pursuing MBBS.

Funding for MBBS is not one universal scholarship. Eligibility usually depends on:

• •Student’s domicile state
• •SC, ST, OBC, EBC, DNT, minority, EWS or PwD status
• •Annual family income
• •Government, private, deemed or management-quota admission
• •Whether admission was obtained through NEET and official counselling
• •Whether the institution is included in the scheme
• •Whether the student is studying in India or abroad

MBBS in India has substantially more scholarship and fee-reimbursement options than MBBS abroad. Most central and state post-matric scholarships apply only to studies in India. For undergraduate MBBS abroad, education loans are generally more realistic than government scholarships.

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This is one of the main scholarship routes for SC students studying MBBS in India.

Important conditions:

• •Available for studies in India only
• •Applicant is selected by the government of the state or Union Territory of domicile
• •Covers eligible post-secondary and post-matric studies
• •Admission and institution must satisfy the applicable scheme and state rules
• •Reimbursement can include compulsory non-refundable fees and maintenance support according to the applicable group and state implementation

The central ministry explicitly states that PMS-SC is for studies in India only. Social Justice

A student should not assume that every private or management-quota MBBS fee will be reimbursed. States may:

• •Limit reimbursement to government-approved fees
• •Exclude management or NRI quota
• •Exclude deemed universities
• •Set an income ceiling
• •Require counselling-based admission
• •Require the college and course to be registered on the state portal

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This central scholarship supports SC students studying beyond Class 12 in institutions specifically empanelled by the Ministry.

It is stronger than a normal maintenance scholarship because it can provide wider financial support, but it is available only when:

• •The student is SC
• •The institution is on the notified list
• •The course and admission satisfy the guidelines
• •Income and other eligibility requirements are met
• •Slots are available

The Ministry published updated 2026–27 guidelines for this scheme. Social Justice

MBBS may be covered when the medical institution is included in the notified Top Class list. Students in an ordinary private medical college cannot claim this scholarship merely because they are studying MBBS.

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Post-Matric ST is implemented through state and Union Territory governments.

It generally applies to:

• •Recognised courses requiring Class 10 or higher as the entry qualification
• •Recognised institutions
• •Eligible ST students meeting income and domicile rules
• •Direct-benefit transfer after state verification

The Ministry of Tribal Affairs confirms that states invite, verify and disburse Post-Matric ST applications. Tribal Affairs

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The current Ministry information states that this scholarship is available for eligible ST students studying prescribed courses in 265 premier institutions, including institutions such as AIIMS.

Key features include:

• •Family income ceiling of ₹6 lakh a year
• •Support for the entire course duration
• •Tuition, admission and non-refundable fees
• •Stipend and allowances for books and computer
• •Institution must be on the notified list

Tribal Affairs

This can be highly valuable for an ST student admitted to AIIMS or another listed medical institution, but it does not automatically cover every medical college.

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PM-YASASVI is an umbrella framework covering:

1. 1.Pre-Matric Scholarship
2. 2.Post-Matric Scholarship
3. 3.Top Class School Education
4. 4.Top Class College Education
5. 5.OBC hostel construction

For MBBS students, the relevant components are:

• •Post-Matric Scholarship
• •Top Class College Education

The Top Class component depends on the institution list and allocated slots. Post-Matric implementation is generally handled through states and scholarship portals. Social Justice

Having an OBC certificate alone may not be sufficient. The student may need:

• •State OBC eligibility or Central OBC-NCL status, depending on the scheme
• •Valid current income certificate
• •Non-creamy-layer certificate
• •Domicile certificate
• •Admission through the recognised process

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Main conditions include:

• •Benchmark disability of at least 40%
• •Valid UDID
• •Family income up to ₹2.5 lakh annually
• •Diploma, degree or postgraduate course
• •No simultaneous scholarship or stipend

Official assistance currently includes:

• •Tuition and admission fees up to ₹1.4 lakh
• •Other fees up to ₹10,000
• •Hosteller allowance of ₹1,200 a month
• •Day-scholar allowance of ₹650 a month
• •Books and disability allowance

Department of Disabilities

For notified institutions, the current official limits include:

• •Income up to ₹8 lakh
• •Tuition and admission fee up to ₹1.90 lakh annually
• •Hosteller allowance of ₹3,000 a month
• •Day-scholar allowance of ₹1,500 a month
• •Computer, books and assistive-device assistance

Department of Disabilities

MBBS can qualify when the student, course and institution satisfy the notified-institution rules.

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This is a merit-based central scholarship administered through the National Scholarship Portal.

It is not caste-specific and can be relevant to high-performing students from lower-income families. However:

• •Selection is merit and income based
• •Scholarship value is much smaller than typical private MBBS fees
• •It should be treated as supplementary support, not complete MBBS financing
• •Students must check the current NSP notice and renewal rules

The Ministry of Education continues to list the scheme as an official central scholarship. Education

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The central National Overseas Scholarship covers:

• •Scheduled Castes
• •DNT, nomadic and semi-nomadic tribes
• •Landless agricultural labourers
• •Traditional artisans

But the current scheme is for master’s and PhD programmes abroad, not a first undergraduate MBBS degree.

There are 125 annual slots:

• •115 for SC candidates
• •6 for DNT, nomadic and semi-nomadic tribes
• •4 for landless agricultural labourers and traditional artisans
• •30% earmarked for women

Therefore, students planning MBBS immediately after Class 12 should not advertise or rely on this scheme as an MBBS-abroad scholarship. Social Justice

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The ST overseas scholarship currently supports:

• •Postgraduate study
• •PhD
• •Postdoctoral study

It provides 20 annual awards:

• •17 for ST candidates
• •3 for PVTG candidates

The official scheme includes tuition, maintenance, contingency, visa, insurance and travel support, subject to its rules. It is not a general undergraduate MBBS-abroad scholarship. Tribal Affairs

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The Jnanabhumi portal records the Ambedkar Overseas Vidya Nidhi scheme as supporting eligible SC, ST, BC, minority, EBC and Kapu students for PG, PhD and MBBS in top-ranked overseas institutions under the cited cycle.

However, the available official notice relates to an earlier academic implementation. Its continuation, financial limits, eligible country list and institutional ranking requirements must be confirmed for the current 2026–27 cycle before promising eligibility. JnanaBhumi

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PM-Vidyalaxmi is now the central unified education-loan application portal.

Students can:

1. 1.Register
2. 2.Complete one common education-loan form
3. 3.Search schemes from participating banks
4. 4.Apply to a bank
5. 5.Track bank queries and sanction status
6. 6.Claim applicable interest support

PM Vidyalaxmi

The portal contains two concepts:

General bank education loans: Participating banks may offer schemes for India or abroad according to their own lending policies.

PM-Vidyalaxmi government scheme benefit: The special credit-guarantee and interest-support benefits apply to students admitted to eligible Quality Higher Education Institutions in India.

Current official highlights include:

• •75% credit guarantee for loans up to ₹7.5 lakh
• •3% interest subvention on loans up to ₹10 lakh for family income up to ₹8 lakh
• •Full interest subvention for eligible families with income up to ₹4.5 lakh
• •Eligible-institution requirements apply

PM Vidyalaxmi

Therefore, a student taking MBBS abroad may use the portal to search a participating bank’s overseas loan, but should not assume that the special PM-Vidyalaxmi QHEI subsidy applies abroad.

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This is one of the strongest caste-linked loan options for MBBS.

The current NSFDC page provides:

• •Domestic and overseas education loan
• •Up to ₹40 lakh or 90% of course cost, whichever is lower
• •MBBS, MD and MS specifically included
• •Beneficiary interest rate shown as 6.5% annually
• •Course period plus one-year moratorium in specified cases
• •Implementation through State Channelising Agencies, public-sector banks or regional rural banks

NSFDC

This may be useful for SC students studying:

• •Government MBBS
• •Private MBBS
• •Recognised MBBS-equivalent medical study abroad

Recognition, admission, income and channel-agency approval remain essential.

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NBCFDC supports recognised professional and technical education for eligible backward-class students.

The official website presently contains inconsistent figures:

• •One education-loan page shows up to ₹15 lakh for India and ₹20 lakh abroad, with lower beneficiary rates. NBCFDC
• •A newer Pattern of Finance page effective from April 2025, updated in July 2026, shows education finance up to ₹25 lakh at an 8% beneficiary rate, with a repayment period up to ten years inclusive of the five-year moratorium. NBCFDC

Treat the newer finance pattern as the likely current framework, but obtain a written quotation from the state channelising agency or bank before publishing an amount for a student.

Do not promise the older concessional rate until the implementing agency confirms which version it is sanctioning.

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The Adivasi Shiksha Rrinn Yojana provides education loans to eligible ST students for professional and technical courses in India.

Official features include:

• •Unit cost up to ₹10 lakh
• •Up to 90% loan assistance
• •Beneficiary interest of 6% on the stated loan band
• •Institution and course must be recognised
• •Application through State Channelising Agencies

NSTFDC

This scheme should not be presented as an MBBS-abroad loan because the current official page specifies India.

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NMDFC supports notified minority communities through State Channelising Agencies and banking partners.

Current published limits include:

• •Up to ₹20 lakh for domestic professional courses
• •Up to ₹30 lakh for overseas courses
• •Credit Line 1 rate of 3%
• •Credit Line 2 rate of 8% for men and 5% for women
• •Income limits vary between the two credit lines

NMDFC

The NMDFC material describes job-oriented technical and professional courses with a duration not exceeding five years.

Since many MBBS programmes are officially longer than five years when internship is included, students must obtain written confirmation that their exact medical course, duration and foreign university are eligible. Do not assume automatic coverage merely because it is a professional degree.

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OASIS

• •Post-Matric SC
• •Post-Matric ST
• •Post-Matric OBC
• •Applications are open for the 2026–27 session
• •Outside-West-Bengal institutions may require course and institution verification

Oasis Scholarship

Swami Vivekananda Merit-cum-Means Scholarship

• •Explicitly covers medical education
• •West Bengal domicile required
• •Family-income ceiling ₹2.5 lakh
• •Merit conditions apply
• •MBBS renewal requires the relevant professional examination marksheets
• •A student cannot simultaneously enjoy another government scholarship or stipend for the same course stage

SVMCM

West Bengal Student Credit Card

• •Loan up to ₹10 lakh
• •Repayment period extending up to 15 years
• •Covers education from secondary level to postdoctoral level

WB State Council of Higher Ed

The Student Credit Card may be explored for overseas education under its detailed rules. OASIS and SVMCM should not be assumed to fund foreign MBBS unless the current scheme specifically accepts the institution and study location.

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Maharashtra has one of the most detailed medical-scholarship systems through MahaDBT.

The Rajarshi Chhatrapati Shahu Maharaj scheme provides 100% tuition and examination-fee reimbursement for eligible girls in courses including MBBS, subject to admission, income and institution rules. The published income ceiling is below ₹8 lakh. MahaDBT

A separate reimbursement scheme applies to specified Open-category MBBS, BDS and postgraduate medical students in private unaided colleges. It:

• •Requires CAP-based admission
• •Excludes management quota
• •Excludes deemed universities
• •Requires Maharashtra domicile

MahaDBT

Eligible minority students in MBBS and other health-science programmes may receive the annual course fee or ₹50,000, whichever is lower.

Conditions include:

• •Income up to ₹8 lakh
• •Admission through the recognised competitive or merit process
• •Maharashtra domicile
• •30% reservation for girls within the scheme mechanism

MahaDBT

Dr Panjabrao Deshmukh Hostel Maintenance Allowance covers eligible medical students, with higher assistance for children of marginal farmers and registered labourers. MahaDBT

Maharashtra schemes frequently distinguish between:

• •Government quota
• •CAP admission
• •Private u…948 tokens truncated…chool 7.5% medical reservation

Students admitted to medical and dental courses through Tamil Nadu’s 7.5% government-school reservation receive extensive fee support. The official welfare page states that course fees, hostel and mess charges are reimbursed under the applicable arrangements. BCWC

SC/ST students can access the Government of India Post-Matric route through the Tamil Nadu scholarship system. TNDCE

Tamil Nadu’s BC/MBC welfare documents include a budget head for loan assistance for higher education in foreign universities, but the exact current loan amount and MBBS eligibility require the latest departmental order. BCWC

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The Odisha State Scholarship Portal hosts multiple schemes.

Eligible fresh SC/ST students can obtain a Freeship Card. Institutions are expected to allow admission without prepayment of eligible fees, subject to later scholarship application, approval and any residual fee liability. Odisha Scholarship

The Technical and Professional scholarship category includes courses such as MBBS and BDS under the applicable guidelines. Odisha Scholarship

The Odisha portal states that its displayed schemes generally concern students studying in India. Odisha Scholarship

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Students should check both Digital Gujarat and the Chief Minister Scholarship system.

Verified medical-related provisions include:

• •SC financial assistance for students studying medical courses
• •Government of India Post-Matric SC
• •Medical and engineering instrument assistance
• •Medical courses listed under the Chief Minister Scholarship portal

SJE Gujarat

Eligibility varies by caste, income, gender, course and institution.

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The Rajasthan Scholarship Portal and Social Justice Department manage:

• •Post-Matric SC
• •Post-Matric ST
• •Post-Matric OBC
• •EBC and other notified-category assistance

The portal has active 2025–26 orders and application processes. Rajasthan Scholarship Portal

Medical students must verify the scheme’s course group, approved fee and treatment of private or management seats.

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The state operates a dedicated Post-Matric Scholarship portal for SC, ST and OBC students.

The official department identifies medicine as a Group-I course. Published scholarship rates differ by:

• •SC, ST or OBC
• •Hosteller or day scholar
• •Course group
• •Gender in some OBC provisions

Tribal Affairs Department

The 2026–27 portal schedule has been announced for renewal and fresh applications. Sakti Chhattisgarh

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Punjab officially provides:

• •Post-Matric Scholarship for SC students
• •Post-Matric Scholarship for OBC students
• •A state grant for SC students studying in medical and engineering colleges

Punjab Government

Students should verify whether their admission is under a reimbursable seat category and whether the institution has completed portal verification.

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Available routes include:

• •Post-Matric Scholarship for SC students
• •PM-YASASVI Post-Matric for OBC/EBC/DNT students
• •State assistance for SC girls pursuing higher education
• •Minority professional and technical scholarship routes

Sewa Haryana

Applications may be routed through NSP or the applicable Haryana state portal depending on the scheme.

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Delhi operates:

• •Post-Matric SC
• •Merit scholarship for SC/ST/OBC students in college and professional institutions
• •Other welfare scholarships through Delhi eDistrict
• •Central schemes through NSP

SC/ST/OBC Welfare

The student must generally satisfy Delhi residence and category conditions; studying in Delhi alone does not automatically establish Delhi domicile eligibility.

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Government services list Post-Matric applications for:

• •SC
• •OBC
• •DNT
• •EBC
• •Other notified categories

India.gov.in

Students should also check NSP and institution verification after securing admission.

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Himachal implements:

• •PMS-SC
• •PM-YASASVI for OBC/EBC/DNT
• •Other state scholarship schemes through the Higher Education system

The Higher Education Directorate has issued specific clarification concerning state-quota and management-quota students under post-matric schemes, showing that seat type must be checked carefully. HP Education

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For the following jurisdictions, the first mandatory search should be:

1. 1.National Scholarship Portal
2. 2.State Social Welfare/Tribal Welfare/Backward Classes portal
3. 3.State Higher Education scholarship portal
4. 4.College scholarship or fee-reimbursement section
5. 5.State Channelising Agency for category-based education loans

This applies to:

• •Assam
• •Arunachal Pradesh
• •Goa
• •Jharkhand
• •Madhya Pradesh
• •Manipur
• •Meghalaya
• •Mizoram
• •

Most of these jurisdictions implement one or more central Post-Matric SC, ST, OBC/EBC/DNT, minority or PwD schemes. The exact 2026–27 portal, deadline, income limit and treatment of private MBBS seats must be confirmed from the current state notice rather than copied from older scholarship summaries.

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• •Government medical college
• •Government quota
• •State counselling allotment
• •Institution registered on the scholarship portal
• •Official fee paid through recognised channel
• •Valid domicile, caste and income documents

• •Management quota
• •NRI quota
• •Direct admission outside counselling
• •Deemed university, depending on the scheme
• •Institutional quota
• •Unrecognised foreign programme
• •Payments made to agents instead of the university
• •

Maharashtra’s official schemes, for example, explicitly exclude management quota or deemed-university students under certain reimbursements. MahaDBT

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Usually, two recurring government scholarships cannot be claimed for the same course and academic period.

Examples:

• •SVMCM does not permit another government scholarship or stipend for the same stage.
• •PwD post-matric and Top Class schemes also restrict simultaneous scholarship or stipend benefits.

SVMCM

A student may sometimes combine:

• •One scholarship
• •A bank education loan
• •An institutional fee concession
• •A one-time grant

But the scholarship declaration and loan application must disclose all assistance received.

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• •Aadhaar
• •PAN, where required
• •Domicile or residence certificate
• •Current caste certificate
• •OBC-NCL certificate where applicable
• •EWS certificate
• •Minority declaration or certificate
• •

• •Class 10 and 12 marksheets
• •NEET scorecard and rank letter
• •Counselling registration
• •Allotment letter
• •Admission letter
• •Fee structure
• •Fee receipts
• •Bonafide certificate

• •University admission letter
• •Country and university recognition evidence
• •Full course-duration certificate
• •Official year-wise fee schedule
• •Hostel and insurance costs
• •Passport
• •Visa or visa eligibility
• •

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Apply in this order:

1. 1.Category post-matric scholarship
2. 2.Top Class scholarship if the institution is listed
3. 3.State merit scholarship
4. 4.Hostel or maintenance allowance
5. 5.Small education loan only for the remaining cost

Apply in this order:

1. 1.State fee-reimbursement scheme
2. 2.SC/ST/OBC/minority/PwD scholarship
3. 3.State student-credit programme
4. 4.PM-Vidyalaxmi or regular bank loan
5. 5.Institution-level concession

The student must calculate the gap between the approved reimbursable fee and the actual college fee.

Scholarship options are narrower.

A realistic plan is:

1. 1.Check category Top Class eligibility
2. 2.Check whether the state scheme explicitly includes deemed universities
3. 3.Apply through PM-Vidyalaxmi for an eligible bank loan
4. 4.Compare secured and unsecured education loans
5. 5.Avoid assuming that normal post-matric reimbursement will cover deemed fees

The safest funding plan is:

1. 1.Confirm NMC/FMGL and host-country eligibility
2. 2.Obtain the complete official university cost
3. 3.Check NSFDC, NBCFDC or NMDFC according to category
4. 4.Search overseas bank loans through PM-Vidyalaxmi
5. 5.Check domicile-state overseas schemes
6. 6.Keep a foreign-exchange and emergency reserve
7. 7.Never depend on an agent’s verbal “scholarship”

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• •A scholarship is not guaranteed merely because the student belongs to a reserved category.
• •A category certificate does not convert an ineligible management or NRI seat into a reimbursable seat.
• •Scholarship money can be delayed; students need an admission-stage cash plan.
• •Some schemes reimburse only after the student or college has already paid the fee.
• •Do not pay an agent to “approve” a government scholarship.
• •Apply only through the official portal, institution or designated State Channelising Agency.

For MBBS in India, the strongest funding combination is usually:

State/category scholarship or fee reimbursement + hostel allowance + education loan for the remaining gap.

For MBBS abroad, the realistic combination is usually:

Category-based concessional loan or commercial bank education loan + limited family contribution.

Central overseas scholarships for SC and ST students are important programmes, but they are primarily designed for postgraduate, doctoral and postdoctoral education—not ordinary undergraduate MBBS after Class 12.

• •Ministry of Tribal Affairs - Government of India
• •PM YOUNG ACHIEVERS SCHOLARSHIP AWARD SCHEME FOR VIBRANT INDIA FOR OBCs AND OTHERS (PM -YASASVI) | Department of Social Justice and Empowerment - Government of India
• •Scholarship Post Matric | Department of Empowerment of Persons with Disabilities (DEPwD) | India