2026 window was 5 January – 15 March 2026
J N Tata Endowment Loan Scholarship
The J N Tata Endowment gives Indian graduates a loan scholarship of up to ₹20 lakh for postgraduate study abroad, at 2% simple interest a year, repaid in equal instalments from the third to the seventh year after disbursement. You need at least 60% average marks, a degree from a recognised Indian university and, for 2026, to be no older than 45 on 30 June 2026.
Key facts
| Type | Loan scholarship (repayable), not a grant |
|---|---|
| Amount | Up to ₹20 lakh; not every candidate receives the maximum |
| Interest | 2% a year, simple interest; trustees may waive or reduce it |
| Repayment | Equal instalments from the 3rd to the 7th year after disbursement |
| 2026 application window | 5 January – 15 March 2026, on the Endowment's website; awards are typically made in July |
Who is eligible
- Indian citizen
- Graduate of a recognised Indian university, with at least 60% average marks (undergraduate or postgraduate)
- No older than 45 years as on 30 June 2026 (2026–27 cycle)
- Admitted to a postgraduate (graduate) programme abroad; final-year students may apply and send their admission later
- Not for exchange programmes, conferences, distance or online degrees, or study in India
What it covers
- A loan of up to ₹20 lakh towards your postgraduate studies abroad
- Selected scholars who accept the loan may also receive a criteria-based travel grant and gift award from allied Tata Trusts
How to apply
- Check eligibility on the Endowment's website
- Apply online during the January–March window
- Go through the Endowment's selection process (see the official Selection Process page)
- If selected, complete the post-selection steps; awards are typically made in July
Our take
Because it is a low-interest loan rather than a grant, the J N Tata Endowment works best combined with other funding. At 2% simple interest it is far cheaper than a typical education loan, and repayment only starts in the third year. Students who are already in year one abroad can still apply if at least 12 months of study remain.
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