The Indian government facilitates education loans primarily through

the Pradhan Mantri Vidyalaxmi (PM-Vidyalaxmi) Scheme, which includes

components like the Central Sector Interest Subsidy (CSIS) Scheme and
the Credit Guarantee Fund Scheme for Education Loans (CGFSEL). These
schemes aim to ensure that no student is denied higher education due to
financial constraints.
Key Government Education Loan Schemes
• PM-Vidyalaxmi Scheme: This serves as a unified online platform
([Link]) for students to apply for education loans from various
banks, track their application status, and access information on scholarships. It
provides a transparent, student-friendly digital process.

• Central Sector Interest Subsidy (CSIS) Scheme: This scheme provides a full
interest subsidy during the moratorium period (course duration plus one year) on
education loans up to ₹10 lakh.

o Eligibility: Students from economically weaker sections with an annual

family income of up to ₹4.5 lakh are eligible. The subsidy is for
professional/technical courses in accredited Indian institutions.

• Credit Guarantee Fund Scheme for Education Loans (CGFSEL): Under this
scheme, the Central Government provides a guarantee for education loans
sanctioned without collateral or third-party guarantees for amounts up to ₹7.5
lakh. This encourages banks to lend to students from less affluent backgrounds.

• Schemes for specific communities:

o National Backward Classes Finance and Development Corporation

(NBCFDC): Offers loans for OBC students with family income up to ₹3 lakh
per annum at concessional interest rates (e.g., 4% for boys, 3.5% for girls).

o National Scheduled Castes Finance and Development Corporation

(NSFDC): Provides loans for SC students with family income up to ₹3 lakh
per annum, with interest rates around 4% (0.5% rebate for female
students).

General Features and Eligibility

• Eligibility: The applicant must be an Indian citizen and have secured admission
to a recognized institution or course, usually on a merit basis. A co-applicant
(parent/guardian/spouse) with a stable income is typically required.
 • Loan Amount: The amount varies by scheme and bank. Under the PM-Vidyalaxmi
scheme, there is no upper limit for students admitted to designated Quality
Higher Educational Institutions (QHEIs), and the loan covers all reasonable
course-related expenses.

• Collateral: For loans up to ₹7.5 lakh, no collateral or third-party guarantee is

generally required, as they are covered by the CGFSEL. For higher amounts,
collateral may be necessary.

• Interest Rates: Rates are linked to the bank's Externally Benchmarked Lending
Rate (EBLR). Concessional rates or interest subsidies are available under various
government schemes for eligible students.

• Moratorium Period: Repayment generally starts one year after the course
completion or six months after securing a job, whichever is earlier. Full interest
subsidy may apply during this period under schemes like CSIS.

• Tax Benefit: Interest paid on education loans is eligible for deduction under
Section 80E of the Income Tax Act

A term loan granted to Indian Nationals for pursuing higher education in India or abroad
where admission has been secured.

Features
• Loan Amount

• - Studies in India

Maximum Loan limit for Ranked Top 100 by NIRF

Medical (MBBS / MD / MS) Upto ₹ 75.00 lakh
All other courses including dental Upto ₹ 50.00 lakh
Higher loan limit is considered on case-to-case basis as under:
Medical (MBBS / MD / MS) Need based loans
All other courses including dental Upto ₹ 1.00 crore
•

o - Studies abroad: Upto ₹7.50 lakh (Higher loan limit for Studies abroad are
considered under Global Ed-vantage Scheme, maximum upto ₹ 3.00
Crores)
 • Repayment period of upto 15 years after Course Period + 12 months of
repayment holiday*

• Processing Charges

o Loans upto ₹ 20 lakh: NIL

o Loans above ₹20 lakh: ₹ 10,000 (plus taxes)
• Security

o Upto ₹ 7.5 lakh: Only Parent/ Guardian as co-borrower. No Collateral

Security or third-party guarantee
o Above ₹ 7.5 lakh: Parent/ Guardian as co-borrower and tangible collateral
security
• Margin

o Up to ₹4 lakh - Nil
o Above ₹4 lakh - 5% for studies in India, 15% for studies in abroad
• Repayment will commence one year after completion of course.

o Loan to be repaid in 15 years after the commencement of repayment

o In case second loan is availed for higher studies later, to repay the
combined loan amount in 15 years after completion of second course
• EMI Generation

o The accrued interest during the moratorium period and course period is
added to the principle and repayment is fixed in Equated Monthly
Instalments (EMI).
o If full interest is serviced before the commencement of repayment; EMI is
fixed based on principle amount only.
• Please click here for Rate of interest

EDUCATION LOAN SCHEMES - RATE OF INTEREST (w.e.f.

SBI PM-Vidyalaxmi Scheme
PMVL-Utkarsh
PMVL- Uttam
PMVL- Uday
15.06.2025)
The interest rates are linked to External Benchmark rate*
(EBR) and will be floating for entire period of loan.
• Present EBR is 8.15%
SBI STUDENT LOAN SCHEME
Without Collateral (Upto ₹7.50 lakh)
With Collateral (Above ₹7.50 lakh)
Takeover (above ₹10.00 lakh, with collateral)
0.50% concession in interest for girl students
• Click here for QHEIs list

SBI SCHOLAR LOAN SCHEME

For select institutions
Takeover (above Rs. 10.00 Lacs)

SBI GLOBAL ED-VANTAGE SCHEME

With Collateral (Above ₹7.50 lakh to ₹3.00 crore)
Takeover (above ₹10.00 lakh, with collateral)
0.50% concession in interest for girl students
For select institutions
Without Collateral (Above ₹7.50 lakh to ₹50.00 Lakh
With Collateral (Above ₹7.50 lakh to ₹3.00 crore)
Takeover (above Rs. 10.00 lakh)
Click here for list of select Global Ed-Vantage institutions
SHAURYA EDUCATION LOAN
(For spouse/wards of Defence, Indian Coast Guard & Central Armed Police Personnel)
Without Collateral (Upto ₹7.50 lakh
Without Collateral (Above ₹7.50 lakh up to ₹ 40 lakh)
With Collateral (Above ₹7.50 lakh up to ₹1.50 crore)
Takeover (above Rs. 10.00 lakh)
0.50% concession in interest for girl students

SBI SKILL LOAN SCHEME

Without Collateral (Upto ₹7.50 lakh)
*EBR = Repo Rate + Spread,
Currently: Repo rate = 5.50%, Spread = 2.65%, EBR = 8.15%

Mean Rate of Interest (Q4 FY25) 9.89%

Higher Education Paths (After 12th Arts)

Bachelor’s Degree Options

 3. Top Law Entrance Exams in India

To get into a good law college, you must clear an entrance test after 12th.

Exam Conducted by Top Colleges Covered

CLAT (Common Law Admission All National Law Universities
Consortium of NLUs
Test) (NLUs)
AILET NLU Delhi NLU Delhi
Pearson VUE (for Private colleges like Jindal,
LSAT–India
LSAC) Amity, KLE, etc.
Symbiosis International
SLAT Symbiosis Law Schools
University
MH-CET Law Govt. of Maharashtra Law colleges in Maharashtra
KIITEE Law, Christ University,
Individual exams Private universities
Lovely Professional Law

Usually held between December–May each year.

Future Scope – New-Age Law Fields

Field Description
Cyber Law Internet, hacking, data privacy, AI ethics
Intellectual Property Law (IPR) Copyrights, Patents, Trademarks
Corporate Law Mergers, contracts, company compliance
International Law Treaties, UN, global justice
Media & Entertainment Law OTT, Copyrights, Privacy
Environmental Law Sustainability, green policies
Criminal & Human Rights Law Justice, civil rights protection

DEGREE PROGRAMS (3–5 YEARS)

Degree Duration Description Top Careers
[Link] (Bachelor of Core commerce degree – finance, Accountant, Auditor,
3 yrs
Commerce) accounting, business law Banker
Business Administration & Manager, Analyst,
BBA / BBM / BMS 3 yrs
Management Entrepreneur
 Degree Duration Description Top Careers
BA Economics / BA Economist, Data
3 yrs Analytical and economics-based
Business Economics Analyst
Finance, Taxation,
BCom (Hons) 3 yrs In-depth commerce specialization
Audit
Data Analyst,
BCA (Bachelor of
3 yrs Business + tech blend Programmer, Tech
Computer Applications)
Consultant
BSc Finance / Banking / Focused finance or analytics Financial Analyst,
3 yrs
Data Science degree Banker
BHM (Hotel
3 yrs Hospitality & tourism Hotel Manager, Chef
Management)
Corporate Lawyer,
BA LLB / BBA LLB 5 yrs Law + Commerce/Business
Legal Advisor
Fashion, Product, or UI
BDes / BFTech 4 yrs Design-related degree
Designer

PROFESSIONAL COURSES (HIGH-VALUE

QUALIFICATIONS)
Avg.
Course Conducted By Duration Career Roles Salary
(India)
CA (Chartered Auditor, Tax
ICAI 4–5 yrs ₹8–40 LPA
Accountancy) Consultant, CFO
CS (Company Corporate Legal
ICSI 3–4 yrs ₹6–20 LPA
Secretary) Advisor, CS Officer
CMA (Cost &
Financial Controller,
Management ICMAI 3–4 yrs ₹5–18 LPA
Cost Analyst
Accountant)
CFA (Chartered 3 levels (2– Investment Banker, ₹10–50
CFA Institute (USA)
Financial Analyst) 3 yrs) Portfolio Manager LPA
CPA (Certified Public ₹12–60
AICPA (USA) 1–2 yrs International Auditor
Accountant) LPA
Association of
ACCA (UK) Chartered Certified 2–3 yrs Global Accountant ₹8–30 LPA
Accountants
Risk Analyst,
FRM (Financial Risk ₹10–40
GARP (USA) 1–2 yrs Investment Risk
Manager) LPA
Expert
AFTER ARTS IN 12TH → BACHELOR’S → MASTER’S
OPTIONS (All Possible Paths)

1. Core Humanities & Social Sciences

Bachelor’s Possible Master’s Career Options

MA History / Archaeology / Museology / Historian, Archivist,
BA in History
Heritage Studies Archaeologist, Museum Curator
BA in Political MA Political Science / Public Policy / Civil Services, Policy Analyst,
Science International Relations / Governance Diplomat
MA Sociology / Social Work / Development NGO Work, HR, Research
BA in Sociology
Studies / Gender Studies Analyst
BA in MA Economics / Business Economics / Economist, Data Analyst,
Economics Development Economics / Public Policy Financial Consultant
BA in MA Philosophy / Ethics / Religious Studies /
Professor, Ethicist, Researcher
Philosophy Logic

2. Psychology & Human Behaviour

Bachelor’s Possible Master’s Career Options

MA / MSc Psychology (Clinical, Psychologist, Therapist, HR
BA in Psychology
Counseling, Industrial) Consultant
BA in Applied MA in Clinical Psychology / Clinical Practice, Corporate
Psychology Organizational Psychology HR
BA in Sociology / NGO, CSR, Mental Health
MSW (Master of Social Work)
Social Work Support

3. Languages, Literature & Communication

Bachelor’s Possible Master’s Career Options

MA English / Comparative Writer, Editor, Professor,
BA in English Literature
Literature / Linguistics Content Strategist
BA in Journalism / Mass MA Journalism / Media Studies / Journalist, Media
Communication Film & TV Production Manager, Content Creator
BA in Foreign Language MA in Linguistics / Translation Translator, Interpreter,
(French, Spanish, etc.) Studies / International Relations Foreign Services
 4. Creative Arts & Design

Bachelor’s Possible Master’s Career Options

BA in Fine Arts / MA Fine Arts / Visual Communication / Artist, Art Director,
Performing Arts Performing Arts Designer, Actor
BA in Design / Visual MFA / [Link] / MA in Visual UI/UX Designer,
Arts Communication Illustrator, Animator
MA / MSc in Fashion Management / Fashion Stylist, Creative
BA in Fashion Design
Textile Design Director

5. Law & Governance

Bachelor’s Possible Master’s Career Options

BA + LLB (Integrated Lawyer, Judge, Legal
LLM / MBA / Public Policy / Cyber Law
Law) Advisor
BA Political Science / MA Public Administration / MA Public Civil Services, Policy
Economics Policy / MPA Analyst

6. Global Studies & Public Policy

Bachelor’s Possible Master’s Career Options

MA International Relations /
BA International Relations Diplomat, UN Official,
Development Studies / Global
/ Political Science Research Analyst
Governance
Economist, NGO
MA Development Studies / Public
BA Economics / Sociology Director, Policy
Policy
Researcher
MA Geography / Urban Planning / Urban Planner, GIS
BA in Geography
Environmental Policy Analyst, Geographer

7. Business, Management & Economics (Arts to Corporate Path)

Bachelor’s Possible Master’s Career Options

BA in Economics / Psychology MBA / MA Economics / MSc Manager, Analyst,
/ Sociology Management Consultant
BA in English / MBA in Marketing / HR / Media Marketing Strategist,
Communication Management Brand Manager
 Bachelor’s Possible Master’s Career Options
MSc / MA in Data Analytics / Data Analyst, Business
BA in Statistics / Economics
Financial Economics Consultant

Yes, Arts students can pursue an MBA! (you’ll need CAT, MAT, NMAT, or similar exams).

8. Education, Teaching, and Academia

Bachelor’s Possible Master’s Career Options

MA in Education / [Link] / Teacher, Principal, Education
BA + [Link]
Educational Psychology Consultant
BA in Literature /
MA + NET/SET Professor, Researcher
Sociology
BA in Psychology /
[Link] / MSW School Counsellor, Educator
Social Work

9. Technology + Arts (Emerging Fields)

Bachelor’s Possible Master’s Career Options

BA in Digital Media / MA in Multimedia / Digital Content Creator, UX
Visual Arts Communication Researcher
BA in Economics / MA / MSc in Data Science / Social Data Analyst, Research
Sociology Analytics Associate
MA in AI Ethics / Tech Policy AI Policy Consultant,
BA in Philosophy / Ethics
(abroad) Researcher

10. Environment & Sustainability

Bachelor’s Possible Master’s Career Options

BA in Geography / MA Environmental Policy / Urban Climate Analyst,
Environmental Studies Planning Researcher, NGO Worker
BA in Political Science / MA Development Studies /
Policy Consultant, Activist
Sociology Environmental Governance

11. Study Abroad (Interdisciplinary M.A. Programs)

With an Arts background, you can also go abroad for unique combinations like:
 Program Field Mix Example Universities
Politics + Sociology + Lund University,
M.A. in Global Studies
Economics Sweden
M.A. in Cultural & Creative
Media + Business + Culture King’s College London
Industries
Economics + Sociology + University of Sussex,
M.A. in International Development
Policy UK
M.A. in Digital Humanities Art + Data + Design UCL, UK
University College
M.A. in Education & Technology Psychology + Tech
London
M.A. in Gender Studies Sociology + Law + Politics SOAS, London

AFTER COMMERCE IN 12TH — COMPLETE

CAREER PATH ROADMAP

1. Traditional Commerce & Finance Path

Master’s / Professional
Bachelor’s Career Options
Courses
[Link] (Bachelor of [Link] / MBA / CA / CMA / Accountant, Financial
Commerce) CS / CFA / ACCA Analyst, Auditor
[Link] (Finance, Accounting) / Investment Banker, Tax
[Link] (Honours)
MBA (Finance) Consultant
BBA (Bachelor of Business MBA (HR, Marketing, Finance, Manager, HR, Marketing
Administration) IB) / PGDM Head
BBM / BMS (Management MBA / MIM / MSc
Operations Head, Consultant
Studies) Management
M.A. / MSc Economics / MBA Economist, Data Analyst,
B.A. (Economics)
/ Public Policy Policy Consultant

2. Professional Courses Alongside / After Graduation

Course Duration Focus Career Options

4.5–5 Accounting, Audit,
CA (Chartered Accountancy) CA, Auditor, CFO
years Taxation
CMA (Cost Management Costing, Budgeting, Cost Accountant,
3 years
Accounting) Finance Finance Manager
 Course Duration Focus Career Options
Corporate Law, Legal Advisor, Company
CS (Company Secretary) 3 years
Compliance Secretary
CFA (Chartered Financial Investment, Portfolio Investment Banker,
3 levels
Analyst) Management Analyst
CPA (Certified Public
1–2 years International Accounting Global Accountant
Accountant – USA)
International Finance,
ACCA (UK) 2–3 years Global Financial Analyst
Audit

3. Accounting, Finance & Banking Specializations

Bachelor’s Master’s Careers

[Link] (Finance /
[Link] / MBA (Finance) / CFA Accountant, Analyst, CFO
Accounting)
BBA (Finance) MBA (Finance) / MS Finance Investment Banker, Analyst
M.A. Economics / Financial
B.A. (Economics) Economist, Policy Advisor
Economics
Risk Analyst, Quantitative
[Link] (Statistics / Maths) MSc Data Analytics / FinTech
Analyst
[Link] (Banking &
MBA / MIB / [Link] Bank Manager, Risk Officer
Insurance)

4. Business, Management & Entrepreneurship

Bachelor’s Master’s Career Options

BBA / BMS / BBM MBA / MIM / PGDM Business Manager, Consultant
Startup Founder, Business
BBA (Entrepreneurship) MBA / Master in Innovation
Developer
BBA (International MBA (IB) / MSc International Export Manager, Global
Business) Business Strategist
MBA (Digital Business) / MSc E-commerce Manager, Digital
[Link] (E-commerce)
E-Commerce Business Head

5. Economics, Analytics & Data-Driven Fields

 Bachelor’s Master’s Careers
Economist, Data
BA / [Link]. in Economics MA / MSc Economics / Public Policy
Analyst
MSc Data Analytics / Business Data Analyst, BI
[Link] / BBA
Analytics Specialist
[Link] in Statistics / Maths / MSc Quantitative Finance / Financial Quant Analyst, Data
Economics Engineering Scientist

6. Law & Commerce Combined

Bachelor’s Master’s Careers

[Link] + LLB (Integrated 5- LLM / MBA / Corporate Corporate Lawyer, Legal
year) Law Advisor
Legal Consultant, Policy
BBA + LLB LLM / MPP
Analyst
B.A. (Economics / Business) MA Public Policy / MPA Policy Maker, Civil Services

7. Psychology, Sociology & Humanities (Commerce + Arts Blend)

Bachelor’s Master’s Careers

[Link] / BBA + Psychology MA / MSc Industrial HR Consultant, Organizational
electives Psychology / HR Psychologist
[Link] / BBA + Sociology / MA Development Studies /
NGO, CSR Manager
Political Science Public Policy
Behavioural Analyst, Policy
BA Economics + Psychology MA Behavioural Economics
Advisor

8. Global & International Studies

Bachelor’s Master’s Careers

BBA / [Link] (International Trade Analyst, Global
MBA / MA International Business
Business) Consultant
BA Economics / Political MA International Relations /
Diplomat, UN Officer
Science Development Studies
BBA / [Link] (Foreign Supply Chain, Export-
MSc Global Management / MIB
Trade) Import Manager
 9. Media, Marketing & Communication

Bachelor’s Master’s Careers

Brand Manager, Digital
BBA (Marketing) MBA (Marketing) / MA Communication
Strategist
[Link] (Advertising) MA Advertising / MBA Marketing Copywriter, Ad Strategist
BBA (Media MA Media & Communication / [Link] Media Planner, Content
Management) Digital Marketing Head
Journalist, Media
BMM (Mass Media) MA Journalism / MBA Media
Consultant

10. Technology, FinTech & Digital Commerce

Bachelor’s Master’s Career Options

[Link] (Computer MSc Data Analytics /
Data Analyst, IT Manager
Applications) MBA in IT
Blockchain Analyst, FinTech Product
BBA / [Link] (FinTech) MSc FinTech / MBA Tech
Manager
MSc Digital Business /
BBA (E-Commerce) E-commerce Analyst, Product Lead
MBA

11. Creative & Design Fields (Commerce + Design)

Bachelor’s Master’s Career Options

[Link] / MBA in Design UI/UX Designer, Brand
[Link] / BFA / BA Design
Management Strategist
BBA / [Link] + Design MBA in Innovation / Strategic Creative Manager, Product
Thinking Design Designer
BBA (Media / Advertising) MA Visual Communication Creative Director, Media Head

12. Education, Teaching & Research

Bachelor’s Master’s Careers

[Link] / BBA + [Link] [Link] / MA Education / PhD Teacher, Professor
[Link] / BBA [Link] / MBA / PhD Academic, Researcher
B.A. (Economics / Commerce) MA Education Policy Education Consultant
 13. Emerging Interdisciplinary Masters (Abroad)

Ideal for Commerce

Master’s Program Combines
Students
MSc Business Analytics Data + Business For data-driven management
Banking, Financial
MSc Finance / Investment Management Finance + Tech
Modeling
MSc Marketing Science / Consumer Marketing + Brand Strategy, Market
Psychology Psychology Research
Business +
Master of Management (MiM) Consulting, Strategy
Leadership
MSc in Sustainability / ESG Business +
CSR, Green Consulting
Management Environment
MSc International Business /
Trade + Policy Global Business Careers
Development

MASTER’S PROGRAMS AFTER SCIENCE — FULL

TABLE
Possible Master’s Focus / Specialization
Bachelor’s Degree Career Options
Programs Areas
AI, Data Science, Engineer, Software
[Link] / MS (Abroad) /
[Link] / B.E. Robotics, Civil, Mech, Dev, Product
MBA
CS, Management Manager
Software Dev, Data
BCA / [Link] (Computer MCA / [Link] (CS, Data Programming, Cloud,
Analyst, IT
Science / IT) Analytics) / MBA Cybersecurity, AI
Manager
Medicine, Surgery, Doctor, Surgeon,
MBBS / BDS / BAMS / MD / MS / MPH / MHA
Public Health, Hospital Health
BHMS / MBA Healthcare
Admin Administrator
[Link] / MBA
Drug Dev, Clinical Pharmacist, QA
[Link] / [Link] Pharma / MS
Trials, Pharma Mgmt Analyst, Researcher
(Pharmaceutics)
[Link] (Biotech, Micro,
[Link] (Biology / Biotech
Genetics, Genetic Engg, Biotech, Biotechnologist,
/ Microbiology /
Bioinformatics) / MS Research Research Scientist
Genetics)
Abroad
[Link] (Physics /
[Link] / [Link] / MS Pure Sciences, Data Scientist, Data
Chemistry / Maths /
(Abroad) / Ph.D. Analytics, Research Scientist, Professor
Statistics)
 Possible Master’s Focus / Specialization
Bachelor’s Degree Career Options
Programs Areas
[Link] (Environmental,
[Link] (Environmental / Environmental
Geology, Marine, Agri, Sustainability, Food
Geology / Marine / Analyst, Food
Food Tech) / MS Safety, Climate
Agri / Food Tech) Technologist
Abroad
MPT (Specialized Neuro, Ortho, Sports Physiotherapist,
BPT (Physiotherapy)
Physiotherapy) Therapy Rehab Specialist
[Link] Psychology / [Link] / MA Psychology / Psychologist,
Clinical, Counselling,
Neuroscience / [Link] Cognitive Science Counsellor,
Neuropsychology
Cognitive Science / [Link] Researcher
[Link] / [Link] [Link] / MFA / [Link] Product, UX/UI, Designer, Animator,
Animation / BFA Multimedia Animation, Fine Arts Art Director
BBA / BMS / [Link] / Business Analyst,
MBA / [Link] Economics Finance, Marketing,
[Link] Economics (after Manager,
/ MS Management Analytics, Strategy
Science) Economist
[Link] / [Link] / Urban Design, Architect, Urban
[Link]
[Link] Landscape, Interior Planner
[Link] Forensic Science /
[Link] Forensic / Crime Analysis, Law, Forensic Analyst,
Criminology / Law
Criminology Investigation Legal Consultant
(LLB)
[Link] Nursing / BNYS / [Link] Nursing / MPH / Public Health, Hospital Nurse, Health
BOT MHA / MPT Mgmt, Rehab Officer, Therapist
[Link] Aviation / Aerospace
[Link] / MS Aircraft Design,
Aerospace / Engineer, Pilot
(Aerospace, Avionics) Research
Aeronautical Eng. (with training)

FULL ROADMAP — AFTER DIPLOMA (SCIENCE /

TECH FIELDS)
Next Study Options Possible Master’s
Diploma Field (Bachelor’s / Programs (After Career Paths / Jobs
Lateral Entry) Bachelor’s)
Diploma in [Link] / BE [Link] / MS Mechanical Engineer,
Mechanical (Mechanical, (Mechanical, Robotics, Design Engineer,
Engineering Mechatronics) Industrial Engg) Automotive Technician
[Link] / BE (Civil, Civil Engineer,
Diploma in Civil [Link] / MS (Structural,
Structural, Construction Manager,
Engineering Environmental Engg)
Architecture) Surveyor
Diploma in Electrical [Link] / MS Electrical Engineer,
[Link] / BE (EEE,
/ Electronics (Embedded Systems, Embedded Developer,
ECE, Mechatronics)
Engineering Power Systems, VLSI) Power Engineer
 Next Study Options Possible Master’s
Diploma Field (Bachelor’s / Programs (After Career Paths / Jobs
Lateral Entry) Bachelor’s)
MCA / [Link] (CS, Data Software Developer,
Diploma in Computer BCA / [Link] CS /
Science) / MBA IT / MS Data Analyst, System
Science / IT [Link] (CSE / IT)
(AI, Cybersecurity) Admin
Diploma in [Link] / BE [Link] (Automobile,
Automobile Engineer,
Automobile (Automobile / Design, EV Tech) /
Vehicle Designer
Engineering Mech) MBA (Operations)
[Link] / BE [Link] (Process,
Diploma in Chemical Chemical Engineer,
(Chemical, Biochemical Engg) / MS
Engineering Process Engineer
Petrochemical) Abroad
Diploma in [Link] (Biotech / [Link] / [Link] (Biotech, Biotechnologist,
Biomedical / Biotech Biomedical) / [Link] Bioinformatics) / MS Medical Equipment
Engineering (Biology) Abroad Engineer
Diploma in [Link] (VLSI,
Embedded Engineer,
Electronics & [Link] (ECE) / BE Communication,
Network Specialist
Communication Robotics)
Diploma in
MCA / [Link] (IT / IT Analyst, Software
Information BCA / [Link] IT
Cybersecurity) / MBA Developer
Technology
Diploma in [Link]
[Link] / MS Automation Engineer,
Instrumentation / (Mechatronics /
(Automation, Robotics) Robotics Expert
Mechatronics Automation)
[Link] (Direct 2nd
Diploma in Architect, Interior
year entry possible [Link] / [Link]
Architecture Designer
in some)
Diploma in Pharmacy [Link] (Lateral [Link] / MBA Pharma Pharmacist, QA
([Link]) Entry) / MS (Pharma Science) Analyst, Medical Sales
Diploma in Medical [Link] (MLT /
[Link] (Microbiology, Lab Technician,
Lab Technology Biotech /
Biotech) Pathologist Assistant
(DMLT) Microbiology)
Diploma in Nursing [Link] Nursing / MPH / Nurse, Health
[Link] Nursing
(GNM / ANM) MHA Administrator
Diploma in Radiology
[Link] Radiology / [Link] Radiology / Radiographer,
/ Imaging /
Optometry Optometry Optometrist
Optometry
Diploma in
[Link] Agriculture / [Link] Agriculture / Agricultural Officer,
Agriculture /
Agri Tech Agribusiness Mgmt Agri Scientist
Horticulture
Diploma in
[Link] Environmental [Link] (Env. Science / Environmental
Environmental
Science Climate Change) Consultant
Science
 Next Study Options Possible Master’s
Diploma Field (Bachelor’s / Programs (After Career Paths / Jobs
Lateral Entry) Bachelor’s)
Diploma in Fashion
Fashion Designer,
Design / Textile / [Link] / [Link] Design [Link] / MFA
Interior Designer
Interior Design
Diploma in Animation
[Link] Animation / [Link] Animation / [Link] Animator, 3D Artist,
/ Multimedia /
[Link] (UX, Visual) UX Designer
Graphics
Diploma in Hotel
BHM / [Link] MHM / MBA
Management / Chef, Hotel Manager
Hospitality Hospitality
Culinary Arts
Diploma in Fire &
[Link] Safety Engg [Link] Safety / MBA Safety Officer, Risk
Safety / Industrial
/ [Link] Fire Safety Operations Analyst
Safety
Diploma in Aviation / [Link] Aviation / [Link] / MS Aircraft Maintenance,
Aeronautical Engg. [Link] Aerospace (Aerospace, Avionics) Aerospace Engineer
Diploma in Marine / [Link] Nautical / [Link] (Marine) / MBA Marine Engineer, Ship
Nautical Science [Link] Marine Logistics Officer
Diploma in Food [Link] / [Link] Food [Link] / [Link] Food Food Scientist, Quality
Technology Tech Tech Analyst
Diploma in Forensic [Link] Forensic [Link] Forensic Science / Forensic Analyst,
Science / Criminology Science Criminology / LLB Crime Lab Officer
Diploma in Energy Engineer,
[Link] / BE Energy [Link] / MS
Renewable Energy / Sustainability
Engg (Sustainable Energy)
Solar / EV Tech Consultant

COMPLETE ROADMAP AFTER ITI — STUDY +

CAREER PATHS
Next Study Bachelor’s / Possible Master’s
Career
ITI Trade / Field Options (After Equivalent Programs (After
Opportunities
ITI) Options Bachelor’s)
Electrical
Electrician / Diploma in
[Link] / MS Engineer, Line
Wireman / Electrical / [Link] / BE
(Power Systems, Supervisor,
Electrical Electronics Engg (EEE, ECE)
Electronics) Power
Maintenance (Lateral Entry)
Technician
[Link] [Link] / MS
Fitter / Turner / Diploma in Mechanical
(Mechanical, (Robotics,
Machinist / Tool Mechanical / Engineer, CNC
Mechatronics, CAD/CAM,
& Die Maker Production Engg Operator,
Industrial Engg) Design)
 Next Study Bachelor’s / Possible Master’s
Career
ITI Trade / Field Options (After Equivalent Programs (After
Opportunities
ITI) Options Bachelor’s)
Production
Manager
Welding
Welder / Sheet Diploma in [Link] [Link]
Inspector,
Metal / Welding / (Metallurgy, (Metallurgy,
Fabrication
Fabrication Fabrication Tech Manufacturing) Welding Tech)
Supervisor
[Link] Vehicle
Motor Mechanic / Diploma in [Link]
(Automobile, Engineer,
Automobile / Automobile / (Automobile,
Design, EV Tech) / Workshop
Diesel Mechanic Mechanical Engg Mech)
MBA Operations Manager
Electronics [Link] / MS Electronics
Diploma in [Link] (ECE,
Mechanic / (Robotics, Engineer,
Electronics / Instrumentation,
Instrument Embedded Robotics
Instrumentation Mechatronics)
Mechanic Systems) Technician
Computer Software
Diploma in MCA / [Link] (IT,
Operator & BCA / [Link] (CS) / Developer, IT
Computer Engg / Data Science,
Programming [Link] IT Support, Data
IT Cybersecurity)
Assistant (COPA) Analyst
Network
Information MCA / MBA IT /
Diploma in IT / Engineer,
Technology / [Link] / BCA MS (Networking,
Networking Cybersecurity
Networking AI)
Analyst
Diploma in HVAC Engineer,
Refrigeration & [Link] [Link] (Thermal,
Mechanical / Maintenance
Air Conditioning (Mechanical) Energy Systems)
HVAC Engg Expert
Civil Engineer,
Diploma in Civil [Link]
Plumber / Pump Water
/ Mechanical [Link] Civil (Construction
Operator Management
Engg Mgmt, Env. Engg)
Officer
Carpenter / Diploma in Interior
Interior Interior Design / [Link] / [Link] [Link] / [Link] Designer, Site
Decoration Architecture Supervisor
Civil Drafter,
Civil [Link]
Diploma in Civil [Link] Civil / Surveyor,
Draughtsman / (Structural, Urban
Engg Architecture Construction
Surveyor Planning)
Planner
Fashion Design / Diploma in
[Link] / [Link] [Link] / MFA Fashion
Tailoring / Dress Fashion / Textile
Fashion (Textile, Fashion) Designer, Stylist
Making Design
 Next Study Bachelor’s / Possible Master’s
Career
ITI Trade / Field Options (After Equivalent Programs (After
Opportunities
ITI) Options Bachelor’s)
MFA / [Link]
Painter (General / Diploma in Fine Artist, Graphic
BFA / [Link] (Visual
Industrial) Arts / Design Designer
Communication)
Photographer / Diploma in
[Link] Animation / [Link] Animation / Animator, Visual
Multimedia / Animation /
[Link] [Link] Artist
Animation Photography
Automotive [Link] / MBA Service
Diploma in [Link]
Service (Automotive Engineer,
Automobile Engg Automobile
Technician Management) Supervisor
Surveyor /
CAD Designer,
Draughtsman Diploma in Civil [Link] (Civil / [Link] (CAD,
Structural
(Civil / / Mech Engg Mech) Structural Engg)
Engineer
Mechanical)
Diploma in
Electroplater / [Link] [Link] (Materials Metallurgist,
Metallurgy /
Foundryman Metallurgy Engg) Process Engineer
Material Science
Chemical Plant [Link] / [Link]
Diploma in [Link] Chemical Lab Technician,
Operator / Lab (Chem Engg,
Chemical Engg / Biotech Process Engineer
Assistant Biotech)
Medical [Link] / [Link] Biomedical
Diploma in [Link]
Electronics / Biomedical / Engineer, Lab
Biomedical Engg Biomedical
Instrumentation Bioinformatics Technician
Diploma in
[Link] Health Inspector,
Health Sanitary Public Health / MPH / [Link] Env.
Environmental / Sanitation
Inspector Environmental Science
Public Health Officer
Engg
Diploma in Hotel
Food Production / BHM / [Link] MHM / MBA Chef, Hotel
Mgmt / Culinary
Catering / Bakery Hospitality Hospitality Manager
Arts
[Link] Fire [Link] Safety
Fire & Safety Diploma in Fire Safety Officer,
Safety / [Link] Engg / MBA
Management & Safety Risk Manager
Safety Operations
Agriculture / Diploma in Agricultural
[Link] Agri / Food [Link] Agri / MBA
Horticulture / Agriculture / Agri Officer, Food
Tech Agribusiness
Dairy Technology Engg Scientist
Air Conditioning / Diploma in
[Link] Mech / [Link] (Thermal / HVAC Engineer,
Electrical HVAC /
EEE Energy Mgmt) Facility Manager
Maintenance Electrical Engg
Marine Fitter / Diploma in [Link] Marine / [Link] Marine / Marine Engineer,
Seafarer Marine Engg Nautical MBA Logistics Port Officer
 Next Study Bachelor’s / Possible Master’s
Career
ITI Trade / Field Options (After Equivalent Programs (After
Opportunities
ITI) Options Bachelor’s)
Print
Printing
Diploma in [Link] Printing / [Link] Printing / Technologist,
Technology /
Printing Tech [Link] [Link] Graphic
Graphics
Engineer
Solar / Renewable Diploma in [Link] / MS
[Link] Energy
Energy Renewable / (Sustainable
Engg
Technician Energy Engg Energy)

Benefit /
Scholarship Name Eligibility Apply On
Amount
Class 8 students; family
National Means-cum-Merit income < ₹3.5L; ₹12,000 per year
[Link]
Scholarship (NMMS) continuing to 9th & till 12th
10th
National Scholarship Portal Central platform
For all students 10th+ NSP Portal
(NSP) for 100+ schemes
Post-Matric Scholarship Passed 10th; enrolled in ₹5,000–
NSP Portal
(SC/ST/OBC) higher studies ₹15,000/year
Pre-Matric Scholarship 1st–10th std; low- ₹1,000–
NSP Portal
(SC/ST/OBC/Minority) income families ₹10,000/year
Minority Scholarship 50% marks in previous
₹10,000–
(Muslim, Christian, Sikh, exam; family income < NSP Portal
₹30,000/year
Jain, Buddhist) ₹2L
AICTE Pragati Scheme (for For girl students in
₹50,000/year [Link]
Girls) Diploma/Degree Engg
For differently-abled
AICTE Saksham Scheme ₹50,000/year AICTE Portal
students
PM YASASVI (Young For OBC/EBC/DNT ₹75,000–
NSP Portal
Achievers Scholarship) students in class 9–12 ₹1,25,000/year
Prime Minister’s Scholarship
For children of armed ₹2,500–
Scheme for Wards of Ex- [Link]
forces ₹3,000/month
Servicemen

State Government Scholarships (Karnataka Examples)

(Each state has similar schemes — talk generally, but highlight yours if local)
 Scheme For Whom Benefit Website
SSP (State Scholarship All SC/ST/Minority/BC
₹2,000–₹20,000 [Link]
Portal) students
SC/ST/OBC students ₹1,500–
Vidyasiri Scholarship SSP Portal
pursuing higher studies ₹3,500/month
₹2,000– Karnataka Govt
Raita Vidya Nidhi Children of farmers
₹11,000/year Portal
National Talent Search ₹1,250–
Class 10 high scorers NCERT
Exam (NTSE) ₹2,000/month
Chief Minister’s
High-scoring SSLC / PUC
Scholarship (varies by ₹5,000–₹25,000 State portal
students
state)

Private & NGO Scholarships

Many organizations and corporates also fund bright students.

Organization / Trust Scholarship Name Eligibility

Students in technical / higher
Tata Group Tata Trusts Scholarship
education
Reliance UG / PG
Reliance Foundation 12th / UG / PG with merit
Scholarship
Aditya Birla Foundation Aditya Birla Scholarship
For top colleges
Sitaram Jindal Foundation SJF Scholarship Based on marks & income
LIC HFL Vidyadhan LIC Housing Finance For low-income families
For students from weaker
HDFC Bank Parivartan HDFC Bank Scholarship
sections
L’Oréal India For Young Women in
Girl students in science Up to ₹2.5 lakh
Science

Education Loans (With Low or No Interest)

If a student can’t get a scholarship, they can still study using a student loan — and repay later
when they start working.

Loan Type Provider Key Details

30+ banks (SBI, Canara, Central portal for all education
Vidya Lakshmi Portal (Govt)
BoB, etc.) loans — easy apply
PM Education Loan Interest For families < ₹4.5 lakh Govt pays interest during study
Subsidy Scheme income period
 Loan Type Provider Key Details
State Bank of India (SBI Scholar Loan up to ₹40 lakh, low
For reputed colleges
Loan) interest
Canara / Indian Bank / Union Bank For any recognized ₹4–10 lakh, 1-year repayment
Student Loan course gap
For SC/ST/OBC / Very low interest, easy
NSFDC / NBCFDC Loans
Minority approval
Women-Centric Loans (Bhartiya For girls / women
Low interest & collateral-free
Mahila Bank / Udyogini) students