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CRED vs. Paytm vs. PhonePe: Which UPI App Gives the Best Cashback in 2026?

Last Updated: March 2026 | Reviewed by: Sahityashala Finance Desk https://www.npci.org.in/, https://cred.club/, https://paytm.com/, https://www.phonepe.com/, https://www.bhimupi.org.in/ Remember the golden era of 2018 when making a simple ₹50 UPI transfer rewarded you with a flat ₹500 cashback? Fast forward to 2026, and the landscape of digital payments has drastically matured. As the National Payments Corporation of India (NPCI) official UPI ecosystem standards evolve, platforms have stopped burning venture capital on peer-to-peer (P2P) transfers, leaving users with frustrating "Better Luck Next Time" scratch cards or useless discount coupons. This guide identifies the best UPI cashback app India 2026 using direct reward testing and real transaction behavior. If you are tired of empty rewards, this head-to-head comparison answers the ultimate question: CRED vs. Paytm vs. PhonePe—which platform actually pays you back? đź’ˇ Quick Answer...

Fund Your Passion: Top Scholarships for Arts & Literature Students in India (Updated Guide)

Let’s be real for a second: there is a persistent, annoying myth that "there is no money in Arts." If you are a student of Hindi Literature, English, or Fine Arts, you have probably heard relatives ask, "But what is the scope?"

Here is the truth they don’t know. The Indian government and private foundations are actively looking for custodians of culture. Whether you are pursuing a BA, MA, or PhD, there is substantial funding available if you know where to look. You don't have to starve to be an artist or a scholar.

Comic style comparison: A struggling writer with an empty wallet versus a happy, successful author holding a Sahitya Akademi award and cash.
Don't be the struggling artist. Apply for grants like the Sahitya Akademi or Sanskriti Fellowship to fund your career.

In this guide, we will break down the scholarships for arts and literature students in India 2025. From prestigious government grants to private fellowships for writers, we have curated the ultimate list to help you fund your education and creative projects.

đź’ˇ Pro Tip: While applying for these scholarships, you can start building your portfolio and income simultaneously. Check out our guide on how to start freelance content writing to earn while you learn.

1. Sahitya Akademi Travel Grant & Scholarships

When discussing financial aid for Indian writers, the Sahitya Akademi is the gold standard. It is not just an award body; it is a lifeline for literary exchange.

Who is it for?

This is specifically for young Indian writers (under 40 years of age) who have published at least one book or have significant contributions in literary journals.

What do they offer?

The Sahitya Akademi scholarship eligibility usually revolves around their "Travel Grant" scheme. This allows writers to visit other states, interact with other linguistic communities, and translate or research literature. They cover your travel and provide a daily allowance. It is an excellent way to build your network in the literary world.

For detailed guidelines, always visit the official Sahitya Akademi website.

2. Sanskriti Foundation Fellowships

The Sanskriti Foundation fellowships are highly coveted because they focus on the *process* of creation, not just the academic result. They understand that art takes time.

  • Sanskriti - Prabha Dutt Fellowship: Exclusively for young women journalists and writers.
  • Sanskriti - Mani Mann Fellowship: For younger musicians and artists focusing on Indian classical forms.
  • Madhibi Puri Fellowship: specifically for literature.

Grant Amount: Typically around ₹1,00,000 given in installments. This is perfect for a gap year project or funding a specific research thesis.

3. Cultural Talent Search Scholarship Scheme (CCRT)

Run by the Centre for Cultural Resources and Training, the Cultural Talent Search Scholarship Scheme is a massive initiative by the Ministry of Culture.

While often targeted at younger talent (ages 10-14), they also offer Senior Scholarships and Junior Fellowships for advanced students (ages 18-25) in traditional arts, literature, and visual arts. If you have a younger sibling showing artistic promise, this is the one to apply for immediately.

4. How to Get a Scholarship for BA/MA Hindi Students

Many students ask, "Are there specific scholarships for BA MA Hindi students?" The answer is yes, but they are often hidden within university prospectuses rather than advertised nationally.

Indian student looking amazed as golden rupee symbols and scholarship scrolls float magically out of a book titled Hindi Sahitya.
Myth busted: There is substantial funding available for Hindi and Arts students if you know where to look.

Steps to Secure Funding:

  1. The Single Girl Child Scholarship (UGC): If you are the only girl child in your family and pursuing an MA in Hindi (or any subject), the UGC provides a monthly stipend of approx. ₹36,200.
  2. University Merit-Cum-Means: Top central universities like JNU, BHU, and DU have internal endowments. If you are a topper in Hindi Sahitya, you are automatically eligible for fee waivers.
  3. State Government Schemes: States like Uttar Pradesh and Bihar offer specific incentives for students scoring high marks in Hindi literature boards to encourage the language.
đź’¸ Budgeting Tip: Even with a scholarship, hostel life can be expensive. Read our popular guide on how to save money in a hostel to make your grant money last longer.

5. Inlaks Shivdasani Foundation Scholarships

If you have dreams of studying Fine Arts, History of Art, or Literature abroad or at premier Indian institutes, Inlaks is the prestige scholarship. They look for "unusual talent" and young people with the potential to be change-makers.

Note: They generally do not fund standard degrees but support specific projects, courses, or training programs.

Quick Eligibility Check: Which One Fits You?

Scholarship Name Best For Key Requirement
Sahitya Akademi Writers & Poets Published work, Age < 40
Sanskriti Foundation Culture Researchers Project Proposal
UGC NET JRF PhD/M.Phil Students Clearing JRF Exam
Inlaks Shivdasani Visual Arts/Study Abroad High Academic Merit

Important: Is Your Scholarship Taxable?

When you finally receive that grant money, a common question arises: "Do I have to pay tax on this?" Generally, scholarships granted to meet the cost of education are exempt from tax under Section 10(16) of the Income Tax Act. However, if you are doing a paid internship alongside your studies, the rules change.

Check our detailed analysis on internship stipends and tax refunds to ensure you stay compliant.

Watch: More Top Scholarships in India

If you are looking for even more options, including those for general streams, check out this helpful breakdown of 5 other major scholarships available right now:

Final Thoughts

Securing scholarships for arts and literature students in India 2025 requires patience and a strong portfolio. Whether you are analyzing Dinkar’s poetry or researching Mughal architecture, your work has value. Don't let financial constraints stop you.

For more deep dives into literature, visit our main portal Sahityashala.in. If you are struggling with cash flow right now, you might also want to look into legitimate online typing jobs to support your studies.

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