B.Com Scholarships 2026: Government, Private & Merit Schemes with Amounts
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B.Com students in India can fund their degree through a wide mix of government scholarships (National Scholarship Portal schemes such as the Central Sector Scheme and Post-Matric scholarships) and private/corporate scholarships (Reliance Foundation, HDFC Parivartan, Aditya Birla Capital and others). B.Com scholarships typically range from around ₹10,000 per year under central government merit schemes to ₹2 lakh over the full degree under leading private programmes, with most awards gated by a family-income ceiling and a minimum marks requirement. This page lists the main B.Com scholarship schemes for 2026 with amounts, eligibility and how to apply, so you can shortlist the ones you actually qualify for. For the full picture on choosing the course, start with our B.Com complete guide.
Who can get a B.Com scholarship in 2026?
Most B.Com scholarships in India are awarded on a merit-cum-means basis — you generally need a minimum aggregate (usually 50–60% in the qualifying exam) and a family income below a defined ceiling. Because B.Com is a general (non-technical) degree, students qualify through broad UG schemes on the National Scholarship Portal and category-based schemes for SC, ST, OBC, EWS and minority students, rather than through engineering/technical-only funds. The common eligibility levers are:
- Academic merit — a minimum percentage in Class 12 or the previous year of college (commonly 50–60%).
- Family income ceiling — ranges from about ₹2.5 lakh (many minority/SC schemes) to ₹6–15 lakh (some corporate schemes).
- Category — SC, ST, OBC, EWS, minority, differently-abled and girl-student sub-quotas exist under several schemes.
- Enrolment — you must be a full-time student at a recognised college. Compare options on B.Com colleges in India and the wider list of top Commerce colleges in India.
Government B.Com scholarships (National Scholarship Portal)
The single most important source is the National Scholarship Portal (NSP), scholarships.gov.in — a Government of India platform that hosts 100+ central and state scholarship schemes under one login. B.Com students most commonly apply under the Central Sector Scheme, Post-Matric scholarships for SC/ST/OBC/EWS, and Post-Matric scholarships for minorities. The table below summarises the key national schemes relevant to a B.Com student in 2026.
| Scheme | Who it’s for | Indicative amount | Key eligibility |
|---|---|---|---|
| Central Sector Scheme of Scholarships (CSSS / PM-USP) | Merit UG students, all streams | ₹12,000/year (UG); ₹20,000/year (PG) | Above 80th percentile in Class 12; family income ≤ ₹4.5 lakh/year |
| Post-Matric Scholarship (SC) | Scheduled Caste students | Maintenance allowance + full/partial fee reimbursement | Family income ≤ ₹2.5 lakh/year (as notified) |
| Post-Matric Scholarship (OBC / EWS) | OBC & EWS students | Course fees + maintenance (state-notified rates) | Income ceiling as per scheme/state |
| Post-Matric Scholarship (Minorities) | Muslim, Sikh, Christian, Buddhist, Jain, Parsi | Maintenance + admission/tuition support | ≥ 50% in previous exam; family income < ₹2 lakh/year |
| State Post-Matric / merit scholarships | Domicile students of the state | Varies by state | State-specific income & marks rules |
Amounts and income ceilings are revised periodically — always confirm the current-year figure on scholarships.gov.in before applying.
Central Sector Scheme (CSSS): the flagship merit award
The CSSS (now branded under PM Uchchatar Shiksha Protsahan / PM-USP) is the main central merit scholarship a B.Com student should target. It pays ₹12,000 per year for the three UG years and ₹20,000 per year at PG level, disbursed directly to your bank account via DBT. To qualify you must be above the 80th percentile of successful candidates in your stream and board in Class 12, come from a family earning up to ₹4.5 lakh a year, and be enrolled in a regular UG course (not distance/correspondence). Roughly 82,000 fresh slots are allotted each year, with sub-quotas for girls.
Private & corporate B.Com scholarships
Beyond government schemes, several corporate and NGO scholarships accept B.Com and other general-degree students — these are often larger and easier to apply for than NSP schemes. The most relevant national programmes for commerce undergraduates in 2026 are below.
| Scholarship | Indicative benefit | Marks / income criteria |
|---|---|---|
| Reliance Foundation Undergraduate Scholarships | Up to ₹2,00,000 over the degree (any stream) | ≥ 60% in Class 12; family income < ₹15 lakh (priority < ₹2.5 lakh) |
| HDFC Bank Parivartan ECSS Programme | ₹30,000/year (general UG such as B.Com); up to ₹50,000 (professional UG) | ≥ 55% in previous exam; family income ≤ ₹2.5 lakh |
| Aditya Birla Capital Scholarship (female students only) | ₹30,000/year for a 3-year general UG (₹60,000/year applies only to premier-institute professional/PG courses) | Female students; ≥ 60% in previous year; family income ≤ ₹6 lakh |
Many colleges and universities also run their own institutional merit scholarships and fee waivers — for example, first-rank or topper waivers, girl-child concessions and sports quotas — so always check your target college’s fee-and-aid page. If you have not finalised your college, the B.Com Admission 2026 guide walks through the intake process, and our online B.Com degree page covers aid for distance learners.
Do you need an entrance exam to get a B.Com scholarship?
No — government and most private B.Com scholarships are awarded on your Class 12 marks and family income, not on an entrance test. However, scoring well in a B.Com entrance exam can improve your admission to a better-funded or higher-ranked college, which in turn expands your scholarship options. Key exams to consider include CUET (for central universities), SET (Symbiosis), NPAT (NMIMS) and IPU CET (GGSIPU). A better college placement also lifts your salary after B.Com and widens the jobs after B.Com, so aid and admissions are worth planning together.
How to apply for a B.Com scholarship in 2026
For government scholarships, apply through the National Scholarship Portal in a single window; for private scholarships, apply on each provider’s own site (or aggregators). The general steps are:
- Register on scholarships.gov.in during the application window (usually July–August, closing around October–November) and generate your NSP ID.
- Keep documents ready — Aadhaar, income certificate, caste/category certificate (if applicable), Class 12 marksheet, current-year admission proof/fee receipt, bank passbook and a passport photo.
- Select the right scheme — a student can usually hold only one government scholarship at a time, so pick the one with the highest benefit you qualify for.
- Complete Aadhaar-based e-KYC and bank seeding so DBT payments reach your account without rejection.
- Apply separately for private awards (Reliance Foundation, HDFC Parivartan, Aditya Birla Capital, etc.), which have their own deadlines through the year.
If you are still deciding between courses, our B.Com vs BBA comparison and the career scope after B.Com guide can help you match a degree to the funding and outcomes you want. You can also review the B.Com 3-year syllabus to see what the degree covers.
Tips to maximise your B.Com scholarship chances
- Apply early — NSP funds are limited and many state portals close before the central deadline.
- Stack government + private — while you can hold only one government scholarship, private awards can usually be combined with it.
- Maintain marks — most renewals require you to clear each year and keep a minimum percentage.
- Get certificates in advance — income and caste certificates take time and are the most common cause of rejection.
- Check your college’s own fund — institutional merit and need waivers are often under-applied for.
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