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 SGD 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 They cannot be withdrawn as cash.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.

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

Study guide21 Mar 2026, 08:00 Z

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Q: What does this guide cover?
A: The SGD 400 Edusave Merit Bursary for JC and Millennia Institute students - GHI ≤ SGD 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 $GHI ≤ SGD 9,000 or PCI ≤ SGD 2,250$ receive SGD 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

JC and MI EMB is SGD 400 for eligible top-25% Singapore Citizens:

Reviewed by

Marcus Pang·Managing Director (Maths)

Level	Award
JC / MI (H1/H2/H3 or MI courses)	SGD 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 (SGD 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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