I'm in JC Year 2 - do I still qualify?

Yes, the EMB applies to both JC Year 1 and Year 2 students (and MI students in all years) who meet the top-25% and income criteria.

My school is in the Integrated Programme (IP) - does this apply?

JC-level IP students (i.e., in Years 5–6 of an IP school) are typically assessed under JC/MI rules for EMB. Confirm with your school if you are in IP Year 5–6.

What if my household income changed this year?

MOE uses the latest income records available via government databases. If your income has changed significantly, the auto-assessment will reflect that. You do not need to submit documents proactively, but can contact your school if you believe there is an error.

Is the S$400 cash or Edusave credits?

The EMB is credited to the student's Edusave account. Edusave credits can be used to pay for approved fees, enrichment programmes, and education-related expenses. They cannot be withdrawn as cash.

I didn't receive the EMB this year - what do I do?

Speak to your CO (civics/class teacher) or your school's student services office. They can advise whether you met the top-25% and income criteria and escalate if there is a discrepancy. Need to pair this with ISB, MOE FAS, or clan bursaries? Our Integrated Programme School Fees & Bursary Planner summarises every compatible scheme so JC and MI families can plan a full-year budget.

Study guide21 Mar 2026, 08:00 Z

Edusave Merit Bursary 2026 for JC & MI Students: S$400 (Top 25%, GHI ≤ S$9,000)

TL;DR

JC and MI students in the top 25% of their level/course who meet the household income cap (GHI ≤ S$9,000 or PCI ≤ S$2,250) receive S$400 credited to their Edusave account - no application required from November 2025 onwards.

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Last updated 21 Mar 2026

Reviewed by

Marcus Pang·Managing Director (Maths)

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Quick bursary map
Bursary Snapshot
How the Auto-Assessment Works (from Nov 2025)
Support Provided

Q: What does this guide cover?
A: The S$400 Edusave Merit Bursary for JC and Millennia Institute students - GHI ≤ S$9,000 income threshold, auto-assessment from Nov 2025 (no application needed), PayNow disbursement, and stacking with ISB and CDAC. For the complete EMB guide covering all levels (primary, secondary, JC/MI, polytechnic/ITE), see the Edusave Merit Bursary main guide.

TL;DR JC and MI students in the top 25% of their level/course who meet the household income cap $GHI \leq S$9,000 or PCI \leq S$2,250$ receive S$400 credited to their Edusave account - no application required from November 2025 onwards. MOE auto-checks income; PayNow must be linked to the student's NRIC for disbursement. Can stack with ISB and CDAC Post-Secondary Bursary.

Quick bursary map

If you only have...	Check this first	What it tells you
1 second	JC and MI EMB is S$400 for eligible top-25% Singapore Citizens.	This is the main award fact.
10 seconds	Check top-25%, conduct, GHI or PCI, and PayNow NRIC setup.	These decide eligibility and payout flow.
100 seconds	Compare EMB with ISB, FAS, CDAC, and other aid for the full-year budget.	EMB can stack with other support.

Concrete example: a JC1 student who meets the income cap and top-25% criterion should still confirm PayNow is linked to their NRIC so the automatic payout is not delayed.

Level	Award
JC / MI (H1/H2/H3 or MI courses)	S$400

Scheme	Can Stack?	Notes
ISB (Independent JC / SIs)	Yes	ISB covers fee subsidies for students at independent schools; EMB is a separate Edusave credit
CDAC Post-Secondary Bursary (S$720)	Yes	CDAC is administered separately; both can apply for eligible students
MOE FAS (JC)	Yes	FAS covers miscellaneous fees; EMB is an Edusave credit on top
MENDAKI TTFS	Yes	TTFS reduces tuition fees; EMB adds Edusave credits separately

Edusave Merit Bursary 2026 for JC & MI Students: S$400 (Top 25%, GHI ≤ S$9,000)

Quick bursary map

Sources

Bursary Snapshot

How the Auto-Assessment Works (from Nov 2025)

Support Provided

Eligibility

Stacking with Other Aid

Frequently Asked Questions

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