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We frequently get letters from our readers to publish information about financial assistance for studies. In this issue, we fulfill a long-standing demand of readers and publish details of various scholarships and loans available for studies.

If your parents have not saved for your higher education, it is time to worry. Fees and other costs are going up every year, both in India and abroad. In India the situation is clouded by unreasonable demands of some institutes, which openly ask for donations and capitation fee, while abroad the cost is high anyway. Fortunately, there are some avenues of scholarships available. The only condition is that one must have a very good academic record and be able to compete with other candidates. If you are not meritorious, you should look out for loans which you can repay once you have finished your degree.


One of the first avenues that students must explore is the National Science Talent search which is available to students of class V to XII. If you have an interest in science and can make a good science project, apply to the NSTS. The last date for receipt of applications is December 31 every year. A written test is held in January every year. For prospectus and application write to: Project Director, Universal Trust, Universal Road, Trivandrum-1 (Kerala). You can also check out their website:

After school, different fellowships are available for different levels of study. Some of these scholarships are available for research in a particular subject. There are more scholarships in sciences than arts, though quite a few are available in social sciences. There are also scholarships available for research abroad, the information of which is sent to colleges and university departments directly.

There are a number of exchange programmes of different countries with the government of India. These are advertised from time to time in newspapers and one must apply according to the conditions stipulated. The scholarships are given by the Ministry of Human Resource Development, New Delhi.

For scholarships in the US, enquire at the office of the United States Educational Foundation in India (USEFI) which has offices in New Delhi, Mumbai, Chennai and Calcutta. The address of the USEFI office in New Delhi is: Fulbright House, 12, Hailey Road, New Delhi-110 001 (Tel: 3328944, fax: 3329718). For UK universities, contact the British Council at 17, Kasturba Gandhi Marg, New Delhi 110 001 (Tel: 3711401, fax: 3710717).


Alternately, one can look for loans which can be repaid once you start earning. In India, such loans are available from banks and the Life Insurance Corporation (LIC), but both require some security. In the case of banks, some security in the form of immovable property or jewellery may have to be mortgaged, while in the case of LIC, you should have a life insurance policy with premium having been paid for a certain number of years. Many nationalised banks are not clear about the grant of educational loans, so one has to persevere in ones efforts. Usually, the interest rate is between 13-16 per cent. In some cases, repayment does not begin till after six months of completion of your course.

There are trusts too, which offer educational loans. These are: the JN Tata Endowment, the KC Mahindra Education Trust, the Mariawala Trust, and the RD Sethna Scholarship Fund. These are different conditions for different trusts, and the students must find out the one which is most suitable for individual needs.


Aga Khan FoundationFor development studies. Forms are available from January every year. Apply to: Aga Khan Foundation, Sarojini House, 6 Bhagwandass Raod, New Delhi 110 001.

Biotechnology Overseas AssociationshipEligibility: Ph.D/MD degree in an area related to biotechnology. Last date for applying is in September every year. Apply to: Senior Scientific Officer 1, Department of Biotechnology Block II 6th floor, CGO Complex, Lodhi Road, New Delhi 110 003 on the prescribed format. Advt is published in August every year.

Cambridge Nehru Scholarships for Ph.D at University at CambridgeEligibility First class honours degree and age below 28 years. Last date for applying is in September every year. Apply to: Nehru Trust for Cambridge University, Teen Murti House, Teen Murti Marg, New Delhi 110 011 with full details of academic qualifications.

Central Drug Research Institute, Lucknow. PG Research Traineeships for Ph.D in Indian UniversitiesEligibility: M.Sc on Organic Chemistry, Biochemistry, Biophysics, Biotechnology, Zoology, Microbiology, Genetics, Molecular Biology, Life Sciences with minimum 60% marks. Age below 28 years. Test: CSIR-UGC-NET or Research Aptitude Test held in July and interview. Stipend: Rs 4,000 per month. Apply to: Director, Central Drug Research Institute, Chattar Manzil Palace, Lucknow 226 001. Notification is published in May.

Chevening ScholarshipAwarded for post-graduate, studies in various disciplines. For details, contact the British Council.

Commonwealth Scholarship PlanEligibility: Masters degree in the subject with minimum 60% marks and 2 years teaching/research experience. Tenure: 3 years. Last date is in April every year. Apply to: Under Secretary (ES4 section), Scholarship Division, Ministry of Human Resource Development, Deptt of Education, A.1/W.3 Curzon Road Barracks, Kasturba Gandhi Marg, New Delhi 110 001.

Eveready Scholarships For advanced education in management, engineering and electro-chemistry. Ten scholarships of a maximum of Rs 15,000 per annum are awarded for 4 years of study. Eligibility: a) First class academic record, b) Firm admission in an institute, c) Gross income of parents not to exceed Rs 1.5 lakhs per annum, d) Not a recipient of any other scholarship. Last date for applications is December 31 every year. Apply to: Eveready Welfare Services, 2 Rainey Park, Calculla 700 019.

Fujitsu Asia Pacific Scholarship Program for business programsEligibility: Bachelors degree equivalent to the four year baccalaureate degree in any discipline, GMAT score of 550 or above grade point 3.0 on a 4.0 scale, TOFEL score of 600 or above, and three years work experience. Last date for applying is in October every year. Apply toL JAIMS Coordinator, Fujitsu Ltd, Mercantile House, 15 Kasturba Gandhi Marg, New Delhi 110 001.

Fulbright Fellowships, Hubert H Humphrey Fellowships, AT&T Leadership AwardsFor details contact the USEFI offices in India.

10. German Academic Exchange fellowshipSubjects: bio-engineering, bio-pharmacology, metallurgy, environment science, agronomy, veterinary science, horticulture and animal husbandry. Eligibility: PG degree with first division and 2 years of teaching or research experience. Last date is in September every year. Apply to: Ministry of Human Resource Development, External Scholarship Division, ES-1, Section A-1/W.3, Curzon Road Barracks, Kasturba Gandhi Marg, New Delhi 110 001.

Indian National Academy of Engineering, New DelhiAwards for best student projects in engineering disciplines An award of Rs 5,000 for B.Tech students. Last date for applying is in June every year. Apply to: Indian National Academy of Engineering, 117 Nalanda House, IIT Campus Hauz Khas, New Delhi 110 016 with a two page write-up on A-4 paper giving: a) Name of the Institute, b) address, c) phone/fax, d) name of student, e) brief summary of project and f) authenticated signature.

Inlaks ScholarshipEligibility: Age between 22-30 years. Selection is based on personal interview. Last date for applying is usually August 30 every year. Apply to: Inlaks Foundation, PO Box 2108, Delhi 110 007.

Institute for Social and Economic Change, Bangalore Doctoral Fellowships in Economics, Ssociology, Development, Population Studies and Education. Eligibility: Masters degree with 55% marks, age below 28 years. Test: NET/JRF. Admissions through entrance test and interview. Last date is in September every year. Apply to: Registrar, Institute for Social and Economic Change, Nagarbhavi, Bangalore 560 072.

Jawaharlal Nehru Scholarships for Doctoral Studies For Indian nationals for Ph.D. in India or for visit to another Asian country in Science, Philosophy, Religion and Culture, International Relations, History, Social Change, Ecology. Eligibility: PG degree in first class, age below 35 years, should be a Ph.D. scholar. Fellowship amount: Rs 6,000 per month with annual maintenance allowance of Rs 10,000. Last date for applying is in May every year. Apply to: Administrative Officer, Jawaharlal Nehru Memorial Fund, Teen Murti House, New Delhi 110 001 with a sase 25&Mac215; 10 cm.

KC Mahindra Scholarships for Studies AbroadEligibility: a) First class degree, b) must have secured admission in a foreign university. Last date of receipt of application forms is in March every year. Address for applying: Managing Trustee, KC Mahindra Education Trust, Cecil Court 3rd floor, Near Regal Cinema, Mahakavi Bhushan Marg, Mumbai 400 001 with a s.a.s.e. 25&Mac215; 18 cm with stamps of Rs 4.

Lady Tata Memorial Trust Scientific Research ScholarshipsI. Post doctoral scholarships for Ph.D in Science or to MD/MS degree holder. II. Senior Scholarships for post-graduates with MBBS degree or M.Sc with 2 years research experience. III. Junior Scholarships to fresh M.Sc or B.Sc with distinction and 2 years research experience. Last date for applications is January 31 every year. Apply to: Secretary and Chief Accountant, Lady Tata Memorial Trust, Bombay House, Homi Mody Street, Mumbai 400 001.

Ranbaxy Research Awards Nominations invited from heads of research institutions, universities and medical colleges for 4 Ranbaxy Research Awards of Rs 1 lakh each in medical and pharmaceutical sciences. Last date for applying is by April. Sponsored work in 12 sets is to be sent to: Ranbaxy Science Foundation, sector 18 Udyog Vihar Industrial Area, Gurgaon 122 001.

RD Birla Smarak Kosh, Mumbai Fellowships and Grants for research/training in a medical or related subject. For application forms write to: Director, RD Birla Smarak Kosh, Medical Research Centre, Bombay Hospital Trust, Hospital Avenue, Mumbai 400 020.

Research fellowship in Tribal Development Eligibility: Research scholars with a background of social sciences, agriculture, medicine, who are already registered for Ph.D/post-doctoral with a recognised university. Rate of fellowship: Rs 3,200 per month. Last date for applying is in September every year. Apply to: Director, Tribal Development Division, Ministry of Social Justice and Empowerment, Room 212, 2nd floor D wing, Shastri Bhawan, New Delhi 110 001 in the prscribed format. Advt is published in August every year.

Swarnajayanti Fellowships Eligibility: Ph.D in science or engineering, Masters in Engineering or Technology, MD in Medicine. Age between 30-40 years. Fellowship amount: Rs 25,000 per month. Last date for apply is in September every year. Apply to: Joint Adviser, Department of Science and Technology, Technology Bhawan, New Mehrauli Road, New Delhi 110 016