Study Abroad Alert (January 20, 2026): Do you dream of pursuing your Masters or PhD at universities like Harvard, Oxford, or Stanford? The J.N. Tata Endowment Loan Scholarship 2026-27 is officially OPEN.
This is India’s most prestigious scholarship for overseas education. Unlike regular bank loans with high interest, this is a low-interest loan (2%) that can even be converted into a Partial “Gift” (Free) Scholarship if you perform well academically. Applications close on March 15, 2026—don’t miss this chance!
Scholarship Overview: High Value
| Scholarship Name | J.N. Tata Endowment Loan Scholarship |
| Target Intake | Fall 2026 – Spring 2027 |
| Max Loan Amount | Up to ₹20,00,000 (20 Lakhs) |
| Travel Grant | Additional ₹50,000 (Free) |
| Gift Scholarship | Up to ₹7.5 Lakhs (Waived on Merit) |
| Deadline | 15th March 2026 |
Eligibility Criteria (Who Can Apply?)
This scholarship is strictly merit-based. You must meet the following conditions:
- Nationality: You must be an Indian Citizen.
- Qualification: You must have completed your Graduation (Undergraduate Degree) from a recognized Indian University.
- Academic Score: Minimum 60% marks in your Undergraduate or Postgraduate degree.
- Age Limit: You must be under 45 years of age as of June 30, 2026.
- Course: Open for Masters, PhD, and Post-doctoral fellowships in any field (Engineering, Management, Arts, Science, etc.).
The “Gift” Component (Why It’s Special)
The J.N. Tata Endowment is unique because it rewards excellence. If you secure the loan and perform brilliantly in your university exams abroad:
- The Trustees may waive off the interest completely.
- A significant portion of your loan (up to ₹7.5 Lakhs) can be converted into a Gift Scholarship (meaning you don’t have to pay it back!).
Selection Process (3 Stages)
Getting this scholarship is tough but worth it. Prepare for these stages:
- Online Application: Submit your SOP (Statement of Purpose) and documents before March 15.
- Online Aptitude Test: Shortlisted candidates will take a “Thinking Skills Assessment” test (Logic & Math) in April/May 2026.
- Technical Interview: A rigorous interview with subject experts in June 2026.
How to Apply Online?
Applications are accepted only through the official Tata Trusts portal. No offline forms are available.
Frequently Asked Questions
Q1: Do I need a confirmed admission letter to apply?
Ans: No. You can apply now and update your admission status later when you receive the offer letter from the university.
Q2: What is the interest rate?
Ans: It is a simple interest of 2% per annum. However, if you repay timely, the interest is often waived off by the Trustees.
Q3: When does repayment start?
Ans: Repayment starts from the 3rd year and ends in the 7th year (Total 5 installments).
