Do I apply to HECB and the university bursary separately?

No. You submit one financial aid application through your university's portal. The university assesses your government HECB/HEB tier and applies its own campus top-up in a single process.

Which university gives the most financial aid?

At the lowest income tier (PCI ≤ SGD 750), NUS provides the most generous package: 100% tuition, SGD 4,000/year living allowance, and a one-off SGD 10,000 Overseas Exposure Grant. NTU is close behind with 100% tuition and SGD 3,000/year living allowance. However, your choice of university should be driven by your degree programme and career goals, not the bursary difference.

Can I combine university bursaries with MENDAKI TTFS?

Yes. MENDAKI TTFS, CDAC post-secondary bursaries, and SINDA/SIET all stack with government HECB/HEB and campus top-ups. Apply to the community bursary separately through its own portal.

Is there a GPA requirement?

Government HECB/HEB does not have a GPA requirement. However, each university has a Satisfactory Academic Progress (SAP) policy that you must meet to continue receiving campus bursary top-ups. Check your university's policy for the specific GPA or credit threshold.

Do I reapply every year?

Yes. Both the government bursary and campus top-up require a fresh application with updated income documents each academic year. ---

University Bursary Comparison Singapore 2026: NUS vs NTU vs SMU vs SUTD vs SIT vs SUSS

Study guide21 Mar 2026, 08:00 ZUpdated 21 Mar 2026

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Q: Which Singapore university gives the most financial aid in 2026?
A: All 6 autonomous universities receive the same government HECB/HEB base. The difference is the campus top-up - NUS offers the most generous package at the lowest income tier, including a SGD 10,000 Overseas Exposure Grant for students with PCI ≤ SGD 750. Choose your university based on your degree programme, not the bursary.

TL;DR Government HECB/HEB is identical across NUS, NTU, SMU, SUTD, SIT, and SUSS. Each university adds its own campus bursary on top. At the lowest tier $PCI ≤ SGD 1,100$ , NUS and NTU both cover 100% of tuition. NUS adds a SGD 4,000/year living allowance and a SGD 10,000 Overseas Exposure Grant for students with PCI ≤ SGD 750. Apply once through your university's financial aid portal - both the government bursary and campus top-up are assessed together.

Status: Checked 2026-03-21. Campus top-up details from each university's financial aid page. SUTD, SIT, and SUSS details should be confirmed on their respective portals.

Quick links: Bursaries hub, HECB/HEB university guide, 2026 bursary application guide, Scholarship & Bursary Matcher

Government Base: HECB + HEB (Same Across All 6 Universities)

Every Singapore Citizen enrolled full-time at an autonomous university is eligible for the same government bursary tiers:

Reviewed by

Marcus Pang·Managing Director (Maths)

University	Lowest-tier PCI	What you get $PCI ≤ SGD 1,100$	Living allowance	Key differentiator
NUS	≤ SGD 1,100	100% tuition covered	SGD 4,000/yr + SGD 10,000 OEG $PCI ≤ SGD 750$	Overseas Exposure Grant for lowest tier
NTU	≤ SGD 1,100	100% tuition covered	SGD 3,000/yr	NTU Bursary Fund tops up HECB
SMU	≤ SGD 1,100	Full tuition covered	Living allowance (check SMU)	SMU Access+ programme
SUTD	Check SUTD	Check SUTD	Check SUTD	Smaller cohort, check SUTD FA page
SIT	Check SIT	Check SIT	Check SIT	Applied-degree model, check SIT FA page
SUSS	Check SUSS	Check SUSS	Check SUSS	Part-time options, check SUSS FA page

University Bursary Comparison Singapore 2026: NUS vs NTU vs SMU vs SUTD vs SIT vs SUSS

Government Base: HECB + HEB (Same Across All 6 Universities)

Sources

Campus Top-Up Comparison

How Application Works

Frequently Asked Questions

University Financial Aid Profiles

Useful Links

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