J N Tata Endowment Loan Scholarship
A merit-based loan scholarship of up to Rs. 20 lakhs for Indian citizens going abroad for full-time postgraduate, PhD or postdoctoral study. The loan carries 2% simple interest.
Am I eligible?At a glance
Study level
Master’s, PhD
Destination
Postgraduate study overseas (any country)
Funding
A loan scholarship of up to Rs. 20 lakhs (not every candidate receives the maximum), at 2% simple interest per year that trustees may waive or reduce. Repayment is in equal instalments over years 3 to 7 from disbursal. No collateral, but a guarantor is required.
Eligible applicants
Indian citizens with an Indian undergraduate degree, studying postgraduate abroad
Photo: Alvesgaspar, CC BY-SA 4.0, via Wikimedia Commons
Overview
J N Tata Endowment Loan Scholarship is offered by The J N Tata Endowment for the Higher Education of Indians for Master’s, PhD study in Postgraduate study overseas (any country). Confirm the current cycle on the official page before applying.
What this scholarship covers
Loan of up to Rs. 20 lakhs
Included
Travel grant and gift award from allied Tata Trusts
May be included
A loan scholarship of up to Rs. 20 lakhs (not every candidate receives the maximum), at 2% simple interest per year that trustees may waive or reduce. Repayment is in equal instalments over years 3 to 7 from disbursal. No collateral, but a guarantor is required. Award components, amounts, and exclusions can change by intake, programme, nationality, or host institution, so confirm them on the official provider page.
Are you eligible?
Eligibility review
Based on the provider’s published information
International students
No
Domestic students
Conditional
Scholarship scope
Foundation scholarship
Last eligibility check
October 13, 2026
Who can apply
- Citizenship
- Indian citizens
- International eligibility
- Meant for Indian citizens studying outside India; a degree from abroad at undergraduate level makes an applicant ineligible per the programme rules.
- AgeRequired
- Not older than 45 on 30 June 2026 (latest round).
Academic requirements
- Academic recordRequired
- At least 60% average in an undergraduate or postgraduate degree from a recognised Indian university.
- Minimum grades / GPANot published
- No fixed minimum grade is listed for this scholarship. Check the provider’s current call for academic requirements.
Official eligibility summary
Applicants must be Indian citizens aged 45 or under (as on 30 June 2026 for the latest round) with an undergraduate degree from a recognised Indian university and at least 60% average marks. The admitted course must be a postgraduate programme abroad. Final-year students can apply before they hold an admission letter. Distance or online degrees, exchanges, short courses and study in India do not qualify.
Applicant profile
- Indian citizens with an Indian undergraduate degree, studying postgraduate abroad
Study route
- Master’s, PhD study in Postgraduate study overseas (any country)
Current-cycle criteria
- Applicants must be Indian citizens aged 45 or under (as on 30 June 2026 for the latest round) with an undergraduate degree from a recognised Indian university and at least 60% average marks. The admitted course must be a postgraduate programme abroad. Final-year students can apply before they hold an admission letter. Distance or online degrees, exchanges, short courses and study in India do not qualify.
What to confirm for this cycle
Scholarship details can change from one application cycle to the next. Check these points on the official page before you apply.
- Current eligibility rules
- Current funding and benefits
- Current deadline and application route
Required documents
- Passport-style photo
- Masked Aadhaar card
- Passport (first and last pages)
- Marksheets or transcripts
- Statement of purpose (up to 800 words)
- One letter of recommendation
- Employment documents
How to apply
- 1
Create a login on the Endowment website
- 2
Complete the online form and validate it before final submission
- 3
Sit the aptitude test if shortlisted
- 4
Attend the interview with a subject expert
- 5
Provide final-selection documents including guarantor details
Application timeline
Application cycle
The latest application window ran from 5 January to 15 March 2026 per the FAQ page. The next window has not been announced.
Confirm the current dates on the provider’s official page.
Always confirm the latest deadline on the official provider website.
Official source
The J N Tata Endowment for the Higher Education of Indians
Official scholarship source
Last checked October 13, 2026
Your next steps
- 01Read the official programme guidance.
- 02Confirm eligibility, funding, and the deadline.
- 03Check the current application cycle.
- 04Apply through the official provider.
Frequently asked questions
When is the next deadline?
No exact deadline is listed here. Check the official provider page for the next application cycle.
Why do some details vary?
Scholarship conditions can differ by intake, study programme, nationality, and host institution. The official provider page is the source of the current rules.