Can I combine HECB with NUS/NTU campus bursaries?

Yes. HECB/HEB is from MOE; NUS Enhanced FA, NTU Financial Assistance, and similar campus schemes are funded by the university. They stack - apply for both through your university's single FA application.

How is PCI calculated?

PCI = total gross monthly household income ÷ total number of household members (including children and non-working adults). MOE uses gross income before CPF deductions.

Which tier am I in if my PCI falls between thresholds?

MOE assesses using whichever threshold (GHI or PCI) qualifies you for a higher bursary. For example, if your GHI is S$5,000 but your PCI is S$900 (because the household is large), you qualify for HECB Tier 1 based on PCI.

Do I need to reapply every year?

Yes. Bursary awards are for one academic year. Submit fresh income documents during each bursary exercise to continue receiving support.

Does my GPA affect eligibility?

No. HECB and HEB are means-tested only - there is no academic merit requirement. As long as you are a Singapore Citizen enrolled in a subsidised programme and meet the income criteria, you qualify. ---

Looking for scholarships instead?

Scholarships cover more than tuition and often include living allowances, overseas opportunities, and career placement - but require competitive selection. Find scholarships you qualify for (Scholarship Matcher) Full scholarships directory

Government Bursaries for University Students 2026: HECB & HEB Complete Guide (All 4 Tiers)

TL;DR

MOE funds two bursary schemes for university undergraduates - HECB (lower income, Tiers 1–2) and HEB (middle income, Tiers 3–4).

Sponsor: Ministry of Education (MOE)Bond: Bond-FreeOverseas: Primarily Singapore

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Download printable cheat-sheet (CC-BY 4.0)

21 Mar 2026, 08:00 Z· Last updated 21 Mar 2026

Reviewed by

Marcus Pang·Managing Director (Maths)

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Q: How much bursary can a university student get from the government in 2026?
A: Between S $1,350 and S$ 6,300 per academic year for standard courses, and up to S$26,100 for NTU Medicine/Dentistry - depending on your income tier. This guide covers all 4 HECB and HEB tiers, medicine/dentistry quanta, part-time rates, document checklist, and stacking with campus bursaries.

TL;DR MOE funds two bursary schemes for university undergraduates - HECB (lower income, Tiers 1–2) and HEB (middle income, Tiers 3–4). All 4 tiers are bond-free and applied through your university's FA portal. Standard awards range from S $6,300/yr $ GHI ≤ S$ 4,000 $ down to S $1,350/yr (GHI S$ 9,001–S$12,000). NUS and NTU top up HECB with their own bursary funds - see NUS Enhanced FA

Tier	GHI	PCI	Annual quantum	Med/Dent (NUS)	Med/Dent (NTU)
HECB Tier 1	≤ S$4,000	≤ S$1,000	S$6,300	S$22,200	S$26,100
HECB Tier 2	S $4,001–S$ 5,500	S $1,001–S$ 1,375	S$5,100	S$18,200	S$22,100
HEB Tier 3	S $5,501–S$ 9,000	S $1,376–S$ 2,250	S$3,250	S$14,200	S$18,100
HEB Tier 4	S $9,001–S$ 12,000	S $2,251–S$ 3,000	S$1,350	S$8,200	S$12,100

Income band (GHI)	Income band (PCI)	Annual quantum
≤ S$4,000	≤ S$1,000	S$2,800
S $4,001–S$ 9,000	S $1,001–S$ 2,250	S$1,800
S $9,001–S$ 12,000	S $2,251–S$ 3,000	S$750

Scheme	Can stack with HECB/HEB?
NUS Enhanced Financial Aid / NTU Financial Assistance	Yes (university-administered)
CDAC Bursary (Chinese Development Assistance Council)	Yes
MENDAKI TTFS (Tertiary Tuition Fee Subsidy)	Yes
SINDA SIET (Singapore Indian Education Trust)	Yes
Donor / institutional bursaries (university-specific)	Yes
MOE FAS (for younger siblings in primary/secondary)	Yes (different household member)

Government Bursaries for University Students 2026: HECB & HEB Complete Guide (All 4 Tiers)

Sources

All-Tier Income Table (Full-Time Undergraduates)

Part-Time Undergraduates

How to Apply

Document Checklist

Stacking with Other Aid

Frequently Asked Questions

Useful Links

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