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Government Scholarship Eligibility Checker

One form to cross-check NMMS, CSSS, Post-Matric SC/OBC, AICTE Pragati & Saksham, INSPIRE-SHE, PMSS, and NF-OBC — see which verified central schemes match your profile.

100% freeGuideline-sourcedLive resultsNext steps included

Used across NMMS, Post-Matric, CSSS, AICTE, INSPIRE, and NF-OBC filters.

Parental or family income from all sources — schemes use different ceilings.

Saksham requires ≥40% on a valid certificate.

Minimum Educational Qualification must be ≥60%.

Results update live as you answer. Open each dedicated checker for full criteria before applying.

NMMS

Incomplete answers

Open checker

Fill all required fields to see a live eligibility result.

What this means for you

Complete the form — results update as you answer.

Criteria checks

  • Class level: Select your class.
  • School type: Select school type.
  • Class 7 marks (≥55%): Enter Class 7 percentage.
  • Income ≤ ₹3.5 lakh: Enter annual family income in ₹ lakh.

CSSS

Incomplete answers

Open checker

Fill all required fields to see a live eligibility result.

What this means for you

Complete the form — results update as you answer.

Criteria checks

  • Regular degree level: Select level.
  • Above 80th percentile in Class 12: Answer the percentile question.
  • Regular (not distance) degree: Confirm course mode.
  • No other scholarship / fee waiver: Confirm other awards.
  • Income ≤ ₹4.5 lakh: Enter income.

PMS-SC

Incomplete answers

Open checker

Fill all required fields to see a live eligibility result.

What this means for you

Complete the form — results update as you answer.

Criteria checks

  • Scheduled Caste: Select category.
  • Post-matriculation course: Select course level.
  • Income ≤ ₹2.5 lakh (confirm live ceiling): Enter income.

PMS-OBC

Incomplete answers

Open checker

Fill all required fields to see a live eligibility result.

What this means for you

Complete the form — results update as you answer.

Criteria checks

  • OBC / EBC / DNT: Select category.
  • Post-matriculation course: Select course level.
  • Income ≤ ₹2.5 lakh: Enter income.

Pragati

Incomplete answers

Open checker

Fill all required fields to see a live eligibility result.

What this means for you

Complete the form — results update as you answer.

Criteria checks

  • Girl student: Answer gender eligibility.
  • Within two-girls-per-family cap: Confirm family cap.
  • AICTE-approved institute: Confirm AICTE approval.
  • 1st year / lateral 2nd year: Confirm year of admission.
  • No other overlapping govt scholarship: Confirm other awards.
  • Income ≤ ₹8 lakh: Enter income.

Saksham

Incomplete answers

Open checker

Fill all required fields to see a live eligibility result.

What this means for you

Complete the form — results update as you answer.

Criteria checks

  • Disability ≥ 40%: Enter certified disability %.
  • AICTE-approved institute: Confirm AICTE approval.
  • 1st year / lateral 2nd year: Confirm year of admission.
  • No other overlapping govt scholarship: Confirm other awards.
  • Income ≤ ₹8 lakh: Enter income.

INSPIRE-SHE

Incomplete answers

Open checker

Fill all required fields to see a live eligibility result.

What this means for you

Complete the form — results update as you answer.

Criteria checks

  • Age 17–22: Confirm age band.
  • Merit route (top 1% / notified ranks): Confirm merit route.
  • Basic / natural science programme: Confirm programme.

DST periodically revises INSPIRE-SHE advertisement text and eligible course lists — always confirm age, merit cut-offs, and programme eligibility on online-inspire.gov.in before applying.

PMSS

Incomplete answers

Open checker

Fill all required fields to see a live eligibility result.

What this means for you

Complete the form — results update as you answer.

Criteria checks

  • ESM / Ex-Coast Guard ward or widow: Confirm ESM link.
  • MEQ ≥ 60%: Enter MEQ percentage.
  • 1st-year approved professional course: Confirm course.

NF-OBC

Incomplete answers

Open checker

Fill all required fields to see a live eligibility result.

What this means for you

Complete the form — results update as you answer.

Criteria checks

  • OBC category: Select category.
  • Non-creamy-layer: Confirm creamy-layer status.
  • UGC/CSIR NET-JRF: Confirm NET-JRF.
  • Full-time M.Phil./Ph.D.: Confirm enrolment.
9
Schemes checked
Live
Updates as you answer
0
Sign-ups required

How the multi-scheme checker works

One profile, nine verified schemes

Answer class level, category, income, and scheme-specific flags once. Knwdle runs the same eligibility logic as each dedicated checker and sorts results by likely fit.

Schemes checked: National Means-cum-Merit Scholarship (NMMSS); Central Sector Scheme of Scholarships for College and University Students (PM-USP CSSS); Post-Matric Scholarship Scheme for Scheduled Caste Students; Post-Matric Scholarship Scheme for OBC / EBC / DNT Students; AICTE Pragati Scholarship Scheme (Degree & Diploma); AICTE Saksham Scholarship Scheme (Degree & Diploma); Innovation in Science Pursuit for Inspired Research (INSPIRE) — SHE Component; Prime Minister's Scholarship Scheme (PMSS); National Fellowship for OBC Students (now under SHREYAS / UGC–MOSJE framework).

Sources and limits

Criteria mirror published Ministry of Education, MoSJE, AICTE, DST, and KSB guidelines cited on each dedicated tool page. Circulars change — this is an educational helper, not an application portal.

Discontinued minority schemes and MANF are intentionally skipped where fresh awards are not verified.

What this tool does not do

It does not submit applications, predict merit-list rank, or guarantee disbursement. Open the dedicated checker for any “eligible” or “borderline” scheme before you apply.

Frequently asked questions

Is this an official government eligibility tool?

No — it is a free Knwdle helper that cross-checks your answers against published central scheme guidelines we have verified. Always confirm on scholarships.gov.in, ksb.gov.in, online-inspire.gov.in, or UGC portals before applying.

Which schemes does the multi-checker cover?

Currently: NMMS, CSSS, PMS-SC, PMS-OBC, Pragati, Saksham, INSPIRE-SHE, PMSS, NF-OBC. Discontinued schemes such as MANF fresh awards and Pre-Matric Minority fresh awards are intentionally excluded.

Does “likely eligible” mean I will receive the scholarship?

No. Quotas, merit lists, state verification, document checks, and open application windows still apply. Use each dedicated checker and the official portal for final decisions.

Why are some well-known schemes missing?

Knwdle only ships checkers where current criteria are verifiable from official PDFs and portals. Schemes under review or discontinued are flagged in our dev brief — we do not invent criteria.

Can I use the JSON API instead of the form?

Yes. Each checker exposes a free GET endpoint documented below — pass the same query parameters as the on-page form fields.

Where do I apply after a match?

Most central schemes use scholarships.gov.in; PMSS uses ksb.gov.in; INSPIRE-SHE uses online-inspire.gov.in; NF-OBC uses UGC/empanelled agency portals when calls open.

For developers & AI agents

The Government Scholarship Eligibility Checker is also available as a free, unauthenticated JSON API — no API key, no sign-up, CORS enabled for all origins. Send a GET request with the parameters below and receive the computed result as JSON, including the source of the format or formula used. Invalid input returns HTTP 400 with a JSON { "error": "..." } body.

Endpoint
GET https://knwdle.com/api/tools/government-scholarship-eligibility-checker
Query parameters
ParameterRequiredDescription
classBandNoEducation / course level (enum)
categoryNoCategory (enum)
annualIncomeLakhNoAnnual family income (₹ lakh) (number)
schoolTypeNoSchool type (NMMS) (enum)
class7PctNoClass 7 aggregate % (NMMS) (number)
above80thPercentileNoAbove 80th percentile in Class 12? (CSSS) (true|false)
regularDegreeNoRegular (not distance) degree? (CSSS) (true|false)
girlStudentNoGirl student? (AICTE Pragati) (true|false)
maxTwoGirlsFamilyNoWithin two-girls-per-family cap? (Pragati) (true|false)
aicteApprovedNoAICTE-approved institution? (Pragati / Saksham) (true|false)
firstYearTechNo1st year or lateral 2nd year tech admission? (true|false)
disabilityPctNoCertified disability % (Saksham) (number)
otherScholarshipNoAlready on another govt scholarship / full fee waiver? (true|false)
age17to22NoAge 17–22? (INSPIRE-SHE) (true|false)
top1PctOrRankNoTop 1% board merit or notified exam route? (INSPIRE) (true|false)
basicScienceCourseNoBasic / natural science programme? (INSPIRE) (true|false)
esmWardNoESM / Ex-Coast Guard ward or widow? (PMSS) (true|false)
meqPctNoMEQ percentage (PMSS) (number)
professionalCourseNo1st-year KSB-approved professional course? (PMSS) (true|false)
nonCreamyLayerNoNon-creamy-layer OBC certificate? (NF-OBC) (true|false)
netJrfNoUGC/CSIR NET-JRF qualified? (NF-OBC) (true|false)
fullTimeResearchNoFull-time M.Phil./Ph.D. enrolment? (NF-OBC) (true|false)
Example

Request:

GET https://knwdle.com/api/tools/government-scholarship-eligibility-checker?classBand=ug&annualIncomeLakh=2.5&category=obc&girlStudent=true&disabilityPct=0&above80thPercentile=true&regularDegree=true&otherScholarship=false&aicteApproved=true&firstYearTech=true&maxTwoGirlsFamily=true&age17to22=true&top1PctOrRank=true&basicScienceCourse=false&esmWard=false&meqPct=70&professionalCourse=true&nonCreamyLayer=true&netJrf=false&fullTimeResearch=false&schoolType=govt-aided&class7Pct=60

Response:

{
  "tool": "government-scholarship-eligibility-checker",
  "query": {
    "classBand": "ug",
    "annualIncomeLakh": "2.5",
    "category": "obc",
    "girlStudent": "true",
    "disabilityPct": "0",
    "above80thPercentile": "true",
    "regularDegree": "true",
    "otherScholarship": "false",
    "aicteApproved": "true",
    "firstYearTech": "true",
    "maxTwoGirlsFamily": "true",
    "age17to22": "true",
    "top1PctOrRank": "true",
    "basicScienceCourse": "false",
    "esmWard": "false",
    "meqPct": "70",
    "professionalCourse": "true",
    "nonCreamyLayer": "true",
    "netJrf": "false",
    "fullTimeResearch": "false",
    "schoolType": "govt-aided",
    "class7Pct": "60"
  },
  "results": [
    {
      "schemeId": "csss",
      "slug": "central-sector-scholarship-eligibility-checker",
      "shortName": "CSSS",
      "status": "eligible",
      "summary": "Based on what you entered, you appear to meet the published headline criteria for CSSS.",
      "nextStep": "Apply on scholarships.gov.in when the CSSS fresh window opens for your academic year. Keep your Class 12 marksheet, income certificate, and institute bonafide ready — your college nodal officer must verify on NSP.",
      "checks": [
        {
          "key": "classBand",
          "label": "Regular degree level",
          "ok": true,
          "detail": "Regular UG/PG degree track."
        },
        {
          "key": "above80thPercentile",
          "label": "Above 80th percentile in Class 12",
          "ok": true,
          "detail": "You indicated you cleared the board stream cut-off."
        },
        {
          "key": "regularDegree",
          "label": "Regular (not distance) degree",
          "ok": true,
          "detail": "Regular degree enrolment."
        },
        {
          "key": "otherScholarship",
          "label": "No other scholarship / fee waiver",
          "ok": true,
          "detail": "No conflicting award indicated."
        },
        {
          "key": "annualIncomeLakh",
          "label": "Income ≤ ₹4.5 lakh",
          "ok": true,
          "detail": "₹2.5 lakh is within ₹4.5 lakh."
        }
      ],
      "applyPortal": "National Scholarship Portal",
      "applyPortalUrl": "https://scholarships.gov.in"
    },
    {
      "schemeId": "post-matric-obc",
      "slug": "post-matric-obc-scholarship-eligibility-checker",
      "shortName": "PMS-OBC",
      "status": "eligible",
      "summary": "Based on what you entered, you appear to meet the published headline criteria for PMS-OBC.",
      "nextStep": "Apply on scholarships.gov.in when your state opens the post-matric OBC window. Keep OBC certificate, income certificate, and admission proof ready for institute and state verification.",
      "checks": [
        {
          "key": "category",
          "label": "OBC / EBC / DNT",
          "ok": true,
          "detail": "OBC/EBC/DNT track selected."
        },
        {
          "key": "classBand",
          "label": "Post-matriculation course",
          "ok": true,
          "detail": "Post-matriculation level selected."
        },
        {
          "key": "annualIncomeLakh",
          "label": "Income ≤ ₹2.5 lakh",
          "ok": true,
          "detail": "₹2.5 lakh is within ₹2.5 lakh."
        }
      ],
      "applyPortal": "National Scholarship Portal",
      "applyPortalUrl": "https://scholarships.gov.in"
    },
    {
      "schemeId": "aicte-pragati",
      "slug": "aicte-pragati-scholarship-eligibility-checker",
      "shortName": "Pragati",
      "status": "eligible",
      "summary": "Based on what you entered, you appear to meet the published headline criteria for Pragati.",
      "nextStep": "Apply on scholarships.gov.in when AICTE opens the Pragati fresh/renewal window. Upload income certificate and ensure your AICTE-approved institute verifies on NSP — limited state quotas are filled by merit on qualifying marks.",
      "checks": [
        {
          "key": "girlStudent",
          "label": "Girl student",
          "ok": true,
          "detail": "Girl student."
        },
        {
          "key": "maxTwoGirlsFamily",
          "label": "Within two-girls-per-family cap",
          "ok": true,
          "detail": "Within family cap."
        },
        {
          "key": "aicteApproved",
          "label": "AICTE-approved institute",
          "ok": true,
          "detail": "AICTE-approved."
        },
        {
          "key": "firstYearTech",
          "label": "1st year / lateral 2nd year",
          "ok": true,
          "detail": "Eligible admission year."
        },
        {
          "key": "otherScholarship",
          "label": "No other overlapping govt scholarship",
          "ok": true,
          "detail": "No conflicting award indicated."
        },
        {
          "key": "annualIncomeLakh",
          "label": "Income ≤ ₹8 lakh",
          "ok": true,
          "detail": "₹2.5 lakh is within ₹8 lakh."
        }
      ],
      "applyPortal": "National Scholarship Portal",
      "applyPortalUrl": "https://scholarships.gov.in"
    },
    {
      "schemeId": "nmms",
      "slug": "nmms-eligibility-checker",
      "shortName": "NMMS",
      "status": "borderline",
      "summary": "One or more criteria need a closer look for NMMS: Class level.",
      "nextStep": "Double-check your Class 7 percentage against the 55%/50% SC-ST bar and confirm your school is government/aided (not KV/JNV/residential). If marks or school type are borderline, read your state SCERT notification — some states add local document rules.",
      "checks": [
        {
          "key": "classBand",
          "label": "Class level",
          "ok": false,
          "detail": "NMMS targets Class 8 selection and Classes 9–12 renewal."
        },
        {
          "key": "schoolType",
          "label": "School type",
          "ok": true,
          "detail": "Government / aided / local-body schools are eligible."
        },
        {
          "key": "class7Pct",
          "label": "Class 7 marks (≥55%)",
          "ok": true,
          "detail": "60% meets the 55% bar for your category."
        },
        {
          "key": "annualIncomeLakh",
          "label": "Income ≤ ₹3.5 lakh",
          "ok": true,
          "detail": "₹2.5 lakh is within the common ₹3.5 lakh ceiling."
        }
      ],
      "applyPortal": "National Scholarship Portal",
      "applyPortalUrl": "https://scholarships.gov.in"
    },
    {
      "schemeId": "post-matric-sc",
      "slug": "post-matric-sc-scholarship-eligibility-checker",
      "shortName": "PMS-SC",
      "status": "borderline",
      "summary": "One or more criteria need a closer look for PMS-SC: Scheduled Caste.",
      "nextStep": "If income is near ₹2.5 lakh, check whether a revised ceiling circular is live for your state. Confirm your course is in an eligible group (A/B/C/D) on the scheme guideline PDF.",
      "checks": [
        {
          "key": "category",
          "label": "Scheduled Caste",
          "ok": false,
          "detail": "PMS-SC requires a valid SC certificate."
        },
        {
          "key": "classBand",
          "label": "Post-matriculation course",
          "ok": true,
          "detail": "Post-matriculation level selected."
        },
        {
          "key": "annualIncomeLakh",
          "label": "Income ≤ ₹2.5 lakh (confirm live ceiling)",
          "ok": true,
          "detail": "₹2.5 lakh is within the published ₹2.5 lakh ceiling."
        }
      ],
      "applyPortal": "National Scholarship Portal",
      "applyPortalUrl": "https://scholarships.gov.in"
    },
    {
      "schemeId": "aicte-saksham",
      "slug": "aicte-saksham-scholarship-eligibility-checker",
      "shortName": "Saksham",
      "status": "borderline",
      "summary": "One or more criteria need a closer look for Saksham: Disability ≥ 40%.",
      "nextStep": "If disability is certified below 40% or admission is beyond 1st/lateral-2nd year, re-read the current Saksham PDF. Another govt scholarship may conflict even if disability and income pass.",
      "checks": [
        {
          "key": "disabilityPct",
          "label": "Disability ≥ 40%",
          "ok": false,
          "detail": "0% is below 40%."
        },
        {
          "key": "aicteApproved",
          "label": "AICTE-approved institute",
          "ok": true,
          "detail": "AICTE-approved."
        },
        {
          "key": "firstYearTech",
          "label": "1st year / lateral 2nd year",
          "ok": true,
          "detail": "Eligible admission year."
        },
        {
          "key": "otherScholarship",
          "label": "No other overlapping govt scholarship",
          "ok": true,
          "detail": "No conflicting award indicated."
        },
        {
          "key": "annualIncomeLakh",
          "label": "Income ≤ ₹8 lakh",
          "ok": true,
          "detail": "₹2.5 lakh is within ₹8 lakh."
        }
      ],
      "applyPortal": "National Scholarship Portal",
      "applyPortalUrl": "https://scholarships.gov.in"
    },
    {
      "schemeId": "inspire",
      "slug": "inspire-scholarship-eligibility-checker",
      "shortName": "INSPIRE-SHE",
      "status": "borderline",
      "summary": "One or more criteria need a closer look for INSPIRE-SHE: Basic / natural science programme.",
      "nextStep": "If your rank is near the 1% cut-off or you enrolled in an integrated programme, read the current DST advertisement carefully. Age 17–22 is strict — confirm DOB rules for your admission year.",
      "checks": [
        {
          "key": "age17to22",
          "label": "Age 17–22",
          "ok": true,
          "detail": "Within 17–22."
        },
        {
          "key": "top1PctOrRank",
          "label": "Merit route (top 1% / notified ranks)",
          "ok": true,
          "detail": "Merit route indicated."
        },
        {
          "key": "basicScienceCourse",
          "label": "Basic / natural science programme",
          "ok": false,
          "detail": "Professional B.Tech/MBBS tracks are out of scope."
        }
      ],
      "applyPortal": "INSPIRE online portal",
      "applyPortalUrl": "https://online-inspire.gov.in"
    },
    {
      "schemeId": "pmss",
      "slug": "pmss-eligibility-checker",
      "shortName": "PMSS",
      "status": "borderline",
      "summary": "One or more criteria need a closer look for PMSS: ESM / Ex-Coast Guard ward or widow.",
      "nextStep": "If MEQ is near 60% or your course is not on the KSB approved list, contact your Zila Sainik Welfare Office before applying. CAPF/civilian wards are not covered — confirm ESM/Ex-CG linkage.",
      "checks": [
        {
          "key": "esmWard",
          "label": "ESM / Ex-Coast Guard ward or widow",
          "ok": false,
          "detail": "CAPF/civilian wards are not eligible."
        },
        {
          "key": "meqPct",
          "label": "MEQ ≥ 60%",
          "ok": true,
          "detail": "70% meets the 60% MEQ bar."
        },
        {
          "key": "professionalCourse",
          "label": "1st-year approved professional course",
          "ok": true,
          "detail": "Approved 1st-year professional course indicated."
        }
      ],
      "applyPortal": "Kendriya Sainik Board scholarship portal",
      "applyPortalUrl": "https://ksb.gov.in"
    },
    {
      "schemeId": "national-fellowship-obc",
      "slug": "national-fellowship-obc-eligibility-checker",
      "shortName": "NF-OBC",
      "status": "ineligible",
      "summary": "Based on what you entered, you do not currently meet key published criteria for NF-OBC.",
      "nextStep": "If not pursuing full-time research or without NET-JRF, consider Post-Matric OBC (course stage), INSPIRE (basic science UG), or institute TA/RA positions instead.",
      "checks": [
        {
          "key": "category",
          "label": "OBC category",
          "ok": true,
          "detail": "OBC selected."
        },
        {
          "key": "nonCreamyLayer",
          "label": "Non-creamy-layer",
          "ok": true,
          "detail": "Non-creamy-layer indicated."
        },
        {
          "key": "netJrf",
          "label": "UGC/CSIR NET-JRF",
          "ok": false,
          "detail": "JRF qualification is required."
        },
        {
          "key": "fullTimeResearch",
          "label": "Full-time M.Phil./Ph.D.",
          "ok": false,
          "detail": "Must be full-time M.Phil./Ph.D."
        }
      ],
      "applyPortal": "UGC / empanelled agency portal",
      "applyPortalUrl": "https://www.ugc.gov.in"
    }
  ],
  "likely": [
    {
      "schemeId": "csss",
      "slug": "central-sector-scholarship-eligibility-checker",
      "name": "Central Sector Scholarship Eligibility Checker",
      "shortName": "CSSS",
      "status": "eligible",
      "summary": "Based on what you entered, you appear to meet the published headline criteria for CSSS.",
      "nextStep": "Apply on scholarships.gov.in when the CSSS fresh window opens for your academic year. Keep your Class 12 marksheet, income certificate, and institute bonafide ready — your college nodal officer must verify on NSP.",
      "checks": [
        {
          "key": "classBand",
          "label": "Regular degree level",
          "ok": true,
          "detail": "Regular UG/PG degree track."
        },
        {
          "key": "above80thPercentile",
          "label": "Above 80th percentile in Class 12",
          "ok": true,
          "detail": "You indicated you cleared the board stream cut-off."
        },
        {
          "key": "regularDegree",
          "label": "Regular (not distance) degree",
          "ok": true,
          "detail": "Regular degree enrolment."
        },
        {
          "key": "otherScholarship",
          "label": "No other scholarship / fee waiver",
          "ok": true,
          "detail": "No conflicting award indicated."
        },
        {
          "key": "annualIncomeLakh",
          "label": "Income ≤ ₹4.5 lakh",
          "ok": true,
          "detail": "₹2.5 lakh is within ₹4.5 lakh."
        }
      ],
      "applyPortal": "National Scholarship Portal",
      "applyPortalUrl": "https://scholarships.gov.in",
      "sourceCitation": "PM-USP CSSS guidelines (Ministry of Education): fresh awards for regular UG/PG degree students above the 80th percentile in the relevant Class 12 board stream; family income ≤ ₹4.5 lakh; no other scholarship/fee waiver; applications via scholarships.gov.in."
    },
    {
      "schemeId": "post-matric-obc",
      "slug": "post-matric-obc-scholarship-eligibility-checker",
      "name": "Post-Matric OBC Scholarship Eligibility Checker",
      "shortName": "PMS-OBC",
      "status": "eligible",
      "summary": "Based on what you entered, you appear to meet the published headline criteria for PMS-OBC.",
      "nextStep": "Apply on scholarships.gov.in when your state opens the post-matric OBC window. Keep OBC certificate, income certificate, and admission proof ready for institute and state verification.",
      "checks": [
        {
          "key": "category",
          "label": "OBC / EBC / DNT",
          "ok": true,
          "detail": "OBC/EBC/DNT track selected."
        },
        {
          "key": "classBand",
          "label": "Post-matriculation course",
          "ok": true,
          "detail": "Post-matriculation level selected."
        },
        {
          "key": "annualIncomeLakh",
          "label": "Income ≤ ₹2.5 lakh",
          "ok": true,
          "detail": "₹2.5 lakh is within ₹2.5 lakh."
        }
      ],
      "applyPortal": "National Scholarship Portal",
      "applyPortalUrl": "https://scholarships.gov.in",
      "sourceCitation": "MoSJE Post-Matric Scholarship for OBC Students: students belonging to notified OBC/EBC/DNT communities; post-matriculation courses (Class 11 through PG); parental income ≤ ₹2.5 lakh (verify live); applications via scholarships.gov.in with institute verification."
    },
    {
      "schemeId": "aicte-pragati",
      "slug": "aicte-pragati-scholarship-eligibility-checker",
      "name": "AICTE Pragati Scholarship Eligibility Checker",
      "shortName": "Pragati",
      "status": "eligible",
      "summary": "Based on what you entered, you appear to meet the published headline criteria for Pragati.",
      "nextStep": "Apply on scholarships.gov.in when AICTE opens the Pragati fresh/renewal window. Upload income certificate and ensure your AICTE-approved institute verifies on NSP — limited state quotas are filled by merit on qualifying marks.",
      "checks": [
        {
          "key": "girlStudent",
          "label": "Girl student",
          "ok": true,
          "detail": "Girl student."
        },
        {
          "key": "maxTwoGirlsFamily",
          "label": "Within two-girls-per-family cap",
          "ok": true,
          "detail": "Within family cap."
        },
        {
          "key": "aicteApproved",
          "label": "AICTE-approved institute",
          "ok": true,
          "detail": "AICTE-approved."
        },
        {
          "key": "firstYearTech",
          "label": "1st year / lateral 2nd year",
          "ok": true,
          "detail": "Eligible admission year."
        },
        {
          "key": "otherScholarship",
          "label": "No other overlapping govt scholarship",
          "ok": true,
          "detail": "No conflicting award indicated."
        },
        {
          "key": "annualIncomeLakh",
          "label": "Income ≤ ₹8 lakh",
          "ok": true,
          "detail": "₹2.5 lakh is within ₹8 lakh."
        }
      ],
      "applyPortal": "National Scholarship Portal",
      "applyPortalUrl": "https://scholarships.gov.in",
      "sourceCitation": "AICTE Pragati Scholarship Scheme guidelines (Degree/Diploma): girl candidates admitted to 1st year or 2nd year lateral entry in AICTE-approved institutions; max two girls per family; family income ≤ ₹8 lakh; applications via NSP; guidelines on aicte-india.org."
    },
    {
      "schemeId": "nmms",
      "slug": "nmms-eligibility-checker",
      "name": "NMMS Eligibility Checker",
      "shortName": "NMMS",
      "status": "borderline",
      "summary": "One or more criteria need a closer look for NMMS: Class level.",
      "nextStep": "Double-check your Class 7 percentage against the 55%/50% SC-ST bar and confirm your school is government/aided (not KV/JNV/residential). If marks or school type are borderline, read your state SCERT notification — some states add local document rules.",
      "checks": [
        {
          "key": "classBand",
          "label": "Class level",
          "ok": false,
          "detail": "NMMS targets Class 8 selection and Classes 9–12 renewal."
        },
        {
          "key": "schoolType",
          "label": "School type",
          "ok": true,
          "detail": "Government / aided / local-body schools are eligible."
        },
        {
          "key": "class7Pct",
          "label": "Class 7 marks (≥55%)",
          "ok": true,
          "detail": "60% meets the 55% bar for your category."
        },
        {
          "key": "annualIncomeLakh",
          "label": "Income ≤ ₹3.5 lakh",
          "ok": true,
          "detail": "₹2.5 lakh is within the common ₹3.5 lakh ceiling."
        }
      ],
      "applyPortal": "National Scholarship Portal",
      "applyPortalUrl": "https://scholarships.gov.in",
      "sourceCitation": "NMMSS: parental income ≤ ₹3.50 lakh (PIB PRID 1800307 revision; SCERT CHD 2024–25 guidelines PDF archived locally); government / government-aided / local-body schools; Class 7 marks ≥55% (50% SC/ST); fresh selection at Class 8 via state SCERT exam; apply on scholarships.gov.in after selection. Ignore stale ₹1.50 lakh text on education.gov.in/nmms."
    },
    {
      "schemeId": "post-matric-sc",
      "slug": "post-matric-sc-scholarship-eligibility-checker",
      "name": "Post-Matric SC Scholarship Eligibility Checker",
      "shortName": "PMS-SC",
      "status": "borderline",
      "summary": "One or more criteria need a closer look for PMS-SC: Scheduled Caste.",
      "nextStep": "If income is near ₹2.5 lakh, check whether a revised ceiling circular is live for your state. Confirm your course is in an eligible group (A/B/C/D) on the scheme guideline PDF.",
      "checks": [
        {
          "key": "category",
          "label": "Scheduled Caste",
          "ok": false,
          "detail": "PMS-SC requires a valid SC certificate."
        },
        {
          "key": "classBand",
          "label": "Post-matriculation course",
          "ok": true,
          "detail": "Post-matriculation level selected."
        },
        {
          "key": "annualIncomeLakh",
          "label": "Income ≤ ₹2.5 lakh (confirm live ceiling)",
          "ok": true,
          "detail": "₹2.5 lakh is within the published ₹2.5 lakh ceiling."
        }
      ],
      "applyPortal": "National Scholarship Portal",
      "applyPortalUrl": "https://scholarships.gov.in",
      "sourceCitation": "MoSJE Post-Matric Scholarship Scheme for SC Students: valid SC certificate; studying in a recognized post-matriculation course (Class 11 onward through research); parental income ceiling (commonly ₹2.5 lakh — verify live circular); apply via scholarships.gov.in through institute/state nodal verification."
    },
    {
      "schemeId": "aicte-saksham",
      "slug": "aicte-saksham-scholarship-eligibility-checker",
      "name": "AICTE Saksham Scholarship Eligibility Checker",
      "shortName": "Saksham",
      "status": "borderline",
      "summary": "One or more criteria need a closer look for Saksham: Disability ≥ 40%.",
      "nextStep": "If disability is certified below 40% or admission is beyond 1st/lateral-2nd year, re-read the current Saksham PDF. Another govt scholarship may conflict even if disability and income pass.",
      "checks": [
        {
          "key": "disabilityPct",
          "label": "Disability ≥ 40%",
          "ok": false,
          "detail": "0% is below 40%."
        },
        {
          "key": "aicteApproved",
          "label": "AICTE-approved institute",
          "ok": true,
          "detail": "AICTE-approved."
        },
        {
          "key": "firstYearTech",
          "label": "1st year / lateral 2nd year",
          "ok": true,
          "detail": "Eligible admission year."
        },
        {
          "key": "otherScholarship",
          "label": "No other overlapping govt scholarship",
          "ok": true,
          "detail": "No conflicting award indicated."
        },
        {
          "key": "annualIncomeLakh",
          "label": "Income ≤ ₹8 lakh",
          "ok": true,
          "detail": "₹2.5 lakh is within ₹8 lakh."
        }
      ],
      "applyPortal": "National Scholarship Portal",
      "applyPortalUrl": "https://scholarships.gov.in",
      "sourceCitation": "AICTE Saksham Scholarship Scheme guidelines (Degree/Diploma): disability ≥40% on valid certificate; admitted to 1st year or 2nd year lateral entry in AICTE-approved institutions; family income ≤ ₹8 lakh; applications via NSP; guidelines on aicte-india.org."
    },
    {
      "schemeId": "inspire",
      "slug": "inspire-scholarship-eligibility-checker",
      "name": "INSPIRE Scholarship Eligibility Checker",
      "shortName": "INSPIRE-SHE",
      "status": "borderline",
      "summary": "One or more criteria need a closer look for INSPIRE-SHE: Basic / natural science programme.",
      "nextStep": "If your rank is near the 1% cut-off or you enrolled in an integrated programme, read the current DST advertisement carefully. Age 17–22 is strict — confirm DOB rules for your admission year.",
      "checks": [
        {
          "key": "age17to22",
          "label": "Age 17–22",
          "ok": true,
          "detail": "Within 17–22."
        },
        {
          "key": "top1PctOrRank",
          "label": "Merit route (top 1% / notified ranks)",
          "ok": true,
          "detail": "Merit route indicated."
        },
        {
          "key": "basicScienceCourse",
          "label": "Basic / natural science programme",
          "ok": false,
          "detail": "Professional B.Tech/MBBS tracks are out of scope."
        }
      ],
      "applyPortal": "INSPIRE online portal",
      "applyPortalUrl": "https://online-inspire.gov.in",
      "sourceCitation": "DST INSPIRE-SHE scheme: students 17–22 years pursuing basic/natural sciences (B.Sc./integrated M.Sc. etc.) after top 1% performance in Class 12 board or equivalent notified ranks; applications on online-inspire.gov.in; professional courses excluded.",
      "verificationFlag": "DST periodically revises INSPIRE-SHE advertisement text and eligible course lists — always confirm age, merit cut-offs, and programme eligibility on online-inspire.gov.in before applying."
    },
    {
      "schemeId": "pmss",
      "slug": "pmss-eligibility-checker",
      "name": "PMSS Eligibility Checker",
      "shortName": "PMSS",
      "status": "borderline",
      "summary": "One or more criteria need a closer look for PMSS: ESM / Ex-Coast Guard ward or widow.",
      "nextStep": "If MEQ is near 60% or your course is not on the KSB approved list, contact your Zila Sainik Welfare Office before applying. CAPF/civilian wards are not covered — confirm ESM/Ex-CG linkage.",
      "checks": [
        {
          "key": "esmWard",
          "label": "ESM / Ex-Coast Guard ward or widow",
          "ok": false,
          "detail": "CAPF/civilian wards are not eligible."
        },
        {
          "key": "meqPct",
          "label": "MEQ ≥ 60%",
          "ok": true,
          "detail": "70% meets the 60% MEQ bar."
        },
        {
          "key": "professionalCourse",
          "label": "1st-year approved professional course",
          "ok": true,
          "detail": "Approved 1st-year professional course indicated."
        }
      ],
      "applyPortal": "Kendriya Sainik Board scholarship portal",
      "applyPortalUrl": "https://ksb.gov.in",
      "sourceCitation": "KSB PMSS guidelines: wards/widows of Ex-Servicemen and Ex-Coast Guard personnel; Minimum Educational Qualification (MEQ) ≥60% in qualifying exam; fresh admission to 1st year of KSB-approved professional courses; apply via KSB portal — not NSP."
    }
  ],
  "disclaimer": "Educational helper based on published central guidelines. Final awards are decided on official portals."
}

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