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NSIGSE Scheme

NSIGSE Scheme was initiated by the Government of India in May 2008. It is a centrally sponsored scheme that aims to enhance the enrolment rates of female children of the age group 14 to 18 years to secondary schools after their successful completion of the class 8 examination. The concerned authorities plan out several methods to familiarize the benefits of the scheme and take all possible measures to offer wide publicity of the scheme to the target groups.

Key Features of NSIGSE Scheme

The crucial objective of the NSIGSE Scheme is to decrease the rate of female school dropouts and enhance the rate of enrolment of female students of vulnerable economic backgrounds to secondary schools. The students enrolled under this scheme are retained up to their 12th standard, i.e., up to the age of 18 years.

  • The NSIGSE Scheme offers scholarships for female students who pass their class 8 from Kasturba Gandhi Balika Vidyalaya regardless of their tribe or caste.
  • 1% of the incentive amount will be expended on administration, evaluation, and monitoring of the students every year.
  • There is no bar on income parameters to avail the benefits of this plan because ST/SC female students clearing their class 8 from KGBVs, government, government-aided or private schools are usually a financially disadvantaged class of the society.
  • The issuing agency of the NSIGSE Scheme scholarship is the Ministry of Home Affairs.
  • The scholarship offered under this scheme is a one-time national-level incentive.
  • The applications are accepted within the duration of September to November. However, a regular check of the official website will keep you updated with the exact application start and end dates.

Core Benefits of NSIGSE Scheme

The key benefits of the NSIGSE Scheme are as follows:

  • Beneficiary female students are offered a fixed sum of INR 3000 that will be deposited in an account opened in their names on their successful enrolment to class 9.
  • The beneficiary girl students are free to withdraw the amount along with the accrued interest once they attain the age of 18 years and have passed their class 10 board examinations.

Eligibility Criteria of NSIGSE Scheme

NSIGSE Scheme aims to promote higher enrolment rates of female students in secondary schools. It intends to minimize the dropout rates by offering monetary aids to eligible students. However, the students who aspire to utilize the benefits of the NSIGSE Scheme shall satisfy the following eligibility norms.

  • All the female students who belong to Scheduled Caste (SC) and Schedule Tribes (ST) and have cleared their class 8 examination in any of the Indian schools recognized by any state or central government board.
  • Girl students of Kasturba Gandhi Balika Vidyalaya who clear their class 8 examination and enrol for their class 9 in any of the government or recognized private schools from the academic year 2006-07 onwards.
  • Girls should be single at the time of application for this incentive scheme. Married girls are not eligible for submitting their applications under this scheme.
  • Girls studying in private schools are exempted from the scheme benefits as the majority of the private schools charge huge fees. Parents who have chosen to admit their child to such schools generally do not need financial assistance offered under the NSIGSE Scheme.
  • Students studying in CBSE and other schools run by the Central Government are also denied the scheme benefits because such girl students may already be provided fully, or the parents are usually central government employees and can afford the educational costs of their children without any additional support.
  • Withdrawal of the incentive amount along with the accrued interest is allowed only after the beneficiary girl child attains 18 years of age.
  • In any unfortunate event of death of the beneficiary girl child, before she attains 18 years of age, the incentive sum shall be transferred to the account of the central government of India.
  • At the time of application, the girl must be of age below 16 years on enrolment to class 9. If the girl is more than 16 years of age while enrolling for class 9, she shall not be eligible for the NSIGSE Scheme.

How to Apply for NSIGSE Scheme?

The NSIGSE Scheme application forms are to be filled online by visiting the scheme’s official website. The steps to be followed to apply for the National Scheme of Incentive to Girls for Secondary Education are described below.

Step 1: The primary step to initiate the application process is to visit the official website of the NSIGSE Scheme.

Step 2: Click on the tab that asks you to register if you are a new user. Scroll down the page and read through the instructions. Click on the tab that says ‘continue’ at the bottom of the page.

Step 3: Enter all the required details correctly and register yourself. After the accomplishment of this step, the newly generated unique application id and password will be displayed on your computer screen. Your registered mobile number will also receive an OTP through SMS notification.

Step 4: Enter the received OTP and confirm your details.

Step 5: You will be redirected to a web page where you will have to fill the application form with your personal or any other scheme-related details. Fill in the details accurately.

Step 6: Before you make the final submission of the filled application form, verify all the details that you have entered thoroughly. Any details that are entered incorrectly may lead to complications in the future while you avail of the NSIGSE Scheme benefits. The application process completes when you click on the submit tab. You can print the submitted application and preserve it for future reference.

The Process of evaluation of Application Forms

  • The implementing schools hone the responsibility of proper examination of eligible candidates and preparation of the proposal for the issue of incentive sum and submit the same to the respective state governments or union territory administrators through an appropriate channel.
  • The state government or union territory administrators are responsible for preparing a consolidated proposal and forward the same to the Department of School Education and Literacy administered by the Ministry of Human Resource and Development. The consolidated proposal includes the following details.
  • The total number of schools eligible for NSIGSE Scheme benefits in the respective State or Union Territory.
  • The number of qualified schools that have submitted proposals seeking coverage under the scheme.
  • The number of SC/ST and Non-SC/ST girls clearing their class 8 examination from KGBVs and are entitled to the scheme benefits.
  • Age-wise segregation of the list of the number of girls entitled for the benefits of NSIGSE Scheme.
  • Total incentive sum proposed to be released under the scheme.
  • The Central Government chooses to release the funds of the proposed incentive in two installments to the respective state government or union territory administrations each year. The first installment of the incentive sum will be released immediately on the reception of the proposals from the respective state or UT governments. However, the second installment is released after the respective governments send a copy of the utilization certificate of the first installment and the progress report of the corresponding state government or union territory administrators.
  • Based on the enrolment record, the applications of the NSIGSE Scheme are verified specifically with respect to the birth certificate of the applicants furnished by the school heads.
  • The beneficiary girl child is expected to extend her studies for at least two years after enrolling in class 9 in any of the secondary schools to avail of the benefits of the scheme. The school head or principal is liable to furnish a certificate in this regard.
  • The prerequisite for the withdrawal of the incentive sum shall be the successful completion of the class 10 board examination with at least passing scores.
  • The implementing agency shall approve the bank to release the matured sum accrued as a benefit in the interest-bearing account of the beneficiary girl child to a savings account in her name on successful completion of the verification of relevant documents.

Documents required to buy NSIGSE Scheme

Before we dive into a deeper understanding of the documents to be submitted for availing NSIGSE Scheme benefits, let us look into the details of the time period of the scheme. Every implementing school must finish the exercise of determining eligible female students and preparing the proposal within a month at the commencement of every academic year. Within three consecutive months from the commencement of an academic year, the respective state government or union territory administrator shall submit the consolidated proposal to the MHRD.

Below is a list of documents to be furnished by the eligible female candidates at the time of application for the NSIGSE Scheme. The below-mentioned documents are to be uploaded on the online portal of the application in a specified format:

  • Domicile certificate of the applicant
  • Income certificate of the parents or the legal guardian issued by the respective state government or UT administration authorities.
  • Class 10 scorecard of the applicant.
  • A certificate from the school head or the principal stating that the beneficiary female student has continued her studies for at least two years after her enrolment to class 9.
  • Fees receipts of the present class.
  • Scanned copy of the applicant’s Aadhaar card.
  • Bank account proof of the applicant’s existing account or her joint account with any one of her parents.
  • Disability certificate if applicable.

How to Check Account Balance?

Eligible candidates under the NSIGSE Scheme can easily check their account balance. The implementing agency shall open an account in the beneficiary’s name in any of the nearest nationalized banks or post offices. The released incentive sum is deposited in the same account as a fixed-term deposit. The beneficiary girl child shall be given a passbook or a certificate that will act as proof of her identity as a beneficiary of the NSIGSE Scheme. She can get her passbook entered anytime when she wants to know the account balance. Internet banking options also facilitate the beneficiaries to check their accrued balance under the scheme without having to visit the bank or post office.

Interest rates

The interest rates of fixed-term deposits vary from 3% to 7% per annum based on the bank or post office in which the interest-bearing account is opened in the name of the beneficiary female student. However, to avail maximum benefit of the NSIGSE Scheme’s accrued interest, the candidates are not allowed to withdraw the deposits till they attain the age of 18 years.

Implementing Partners of NSIGSE Scheme

The implementing partners of the scheme shall be state or Union territory government authorities, schools that function under the control and management of state governments, local bodies, aided private schools, and institutions associated with Panchayat Raj. The central government releases the amount to the respective state or Union territory governments to provide incentives to the eligible candidates. The same shall be forwarded to the respective implementing agencies who deposit the sum in the interest-bearing accounts of the beneficiaries of the NSIGSE Scheme.

Term Period of the Deposit

The term or period of the incentive of INR 3000 deposited in the interest-bearing account opened in the beneficiary’s name shall be calculated from the date on which the incentive was deposited to the date on which the beneficiary female student attains 18 years of age. The NSIGSE Scheme does not allow premature withdrawal.

About NSIGSE Scheme

The Kasturba Gandhi Balika Vidyalaya Scheme was initiated in the year 2004 to benefit female students. Under this scheme, nearly a thousand new residential schools were opened for the girls of SC, ST, OBC, and Minority classes in the year 2006-07. During the same year, the central government of India sanctioned INR 128 Crore and also approved an additional sum of INR 172 Crore during that academic year. The Central government intends to provide further incentives to the female child who clears her class 8 examination and enrols in any government-recognized secondary school.

The dropout rate of girls was 50.8% from classes 1 to 8 in the academic year 2004-05. In the same year, the dropout rate for class 1 to 10 was around 64%. Therefore, only 36% of girls enrolled in Indian schools were retained up to class 10. This is a result of the inability of the poor parents to afford the educational costs of their child. Under the National Scheme of Incentive to Girls for Secondary Education (NSIGSE Scheme), the eligible female students who clear their class 8 and enrol for class 9 are offered a financial aid of Rs. 3000 that will be deposited into a dedicated account. The girl can choose to withdraw the amount once she attains 18 years. The key objective of the NSIGSE Scheme is to promote the enrolment of female students of the age group 14 to 18 years to the secondary schools once they pass their class 8 examination. It also aims to reduce the dropout percentage of female students after their 8th standard examination due to several socio-economic reasons. NSIGSE Scheme retains such female students up to class 12.

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*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

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Written By: PolicyBazaar - Updated: 26 May 2021
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Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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