Scholarships and Financial Assistance for BAMS Students at SAMCAH

National Scholarship Portal (NSP) – Post-Matric Scholarship for SC/ST/OBC

The National Scholarship Portal (scholarships.gov.in), administered by the Ministry of Electronics and Information Technology (MeitY), is the single-window platform for all central and state government scholarship schemes. BAMS students from SC, ST, and OBC categories with family income below the prescribed limits are eligible for Post-Matric Scholarship (PMS) under this portal. The PMS for SC students is funded by the Ministry of Social Justice and Empowerment, while the PMS for ST students is funded by the Ministry of Tribal Affairs. These scholarships cover tuition fee, non-refundable charges, and maintenance allowance as per prescribed rates. Students must apply online at scholarships.gov.in within the stipulated period after admission. Renewal is required in subsequent years. Documents needed include income certificate, caste certificate, admission proof, bank account details (Aadhaar-linked), and mark sheets.

Haryana State Government Scholarship Schemes

The Haryana government operates several financial assistance programmes for students pursuing higher education in the state. SC students from Haryana domicile may access the Haryana SC Post-Matric Scholarship, which is available for students enrolled in government-approved professional courses including BAMS. BC (Backward Class) students may access similar scholarship support under Haryana Backward Classes Welfare Department schemes. The Haryana Welfare Department and the Anusuchit Jati and Vimukt Jati, Ghumuntu Jati Aur Pichda Varg Kalyan Vibhag administers these schemes. Students are advised to check the Haryana Government's Antyodaya Saral portal (saralharyana.gov.in) for current scholarship notifications and applications. EWS (Economically Weaker Section) students may also access reservation-linked financial concessions as per Haryana government norms.

Central Sector Scheme of Scholarship for College and University Students

The Central Sector Scheme of Scholarships (CSSS) for College and University Students, administered by the Ministry of Education and available via scholarships.gov.in, is open to students scoring in the top 20 percentile in Class 12 board examinations and having family income below Rs 8 lakh per annum. BAMS students who were academic toppers in 10+2 and now pursue undergraduate professional programmes in recognised institutions may qualify. The scholarship amount is Rs 10,000 per year for the first three years of study and Rs 20,000 per year in the fourth and fifth years (applicable to 5-year programmes). Renewal depends on maintaining prescribed academic performance in SKAU examinations. Application is done online at scholarships.gov.in.

Education Loans and Financial Planning Guidance

For students who do not qualify for merit-based or category-based scholarships, education loans are a widely used financing option for the BAMS programme. Nationalised banks including State Bank of India, Punjab National Bank, Bank of Baroda, and Canara Bank offer education loans for professional medical courses including BAMS under the Central Government's Credit Guarantee Fund Scheme for Education Loans. Typically, loans up to Rs 7.5 lakh are available without collateral, and higher amounts require security. The loan covers tuition fees, hostel charges, examination fees, and other reasonable educational expenses. Interest during the study period is often either subsidised (for EWS students under the Central Scheme for Interest Subsidy) or capitalised. Students may refer to the Vidya Lakshmi Portal (vidyalakshmi.co.in) for a centralised platform to apply for education loans from multiple banks. Financial planning combining scholarship amounts, education loans, and family contribution is the most practical approach for most private BAMS college students.