NSP Scholarship Payment Sent to Bank vs Credited in Account – Full Explanation (2026 Guide)

Introduction

Many students checking their status on the National Scholarship Portal get confused when they see:

• Payment Sent to Bank

• Credited in Account

Are both the same?Has the money reached your bank?Do you need to take action?

In this detailed guide on NSP Scholarship Payment Sent to Bank vs Credited in Account, you will understand the exact meaning of both statuses, how long payment takes, common delay reasons, and what to do if money is not credited.

This guide is written after analyzing common student queries and payment tracking patterns from the Public Financial Management System.

Understanding NSP Scholarship Payment Process

Before comparing statuses, you must understand how payment flows:

1. Application Approved on NSP

2. Scholarship Sanctioned by Ministry

3. Payment File Sent to PFMS

4. PFMS Processes Payment

5. Payment Sent to Bank

6. Bank Credits Amount to Student Account

The confusion happens between Step 5 and Step 6.

NSP Scholarship Payment Sent to Bank vs Credited in Account – Key Difference

Payment Sent to Bank (What It Means)

When your NSP status shows Payment Sent to Bank, it means:

• Government has released funds

• PFMS has processed the transaction

• Amount has been transferred to your bank’s central processing system

• Bank is yet to credit it into your individual account

Important:Money is not yet visible in your account at this stage.

How Long After “Sent to Bank”?

Usually:2 to 7 working days

Possible delays due to:

• Bank verification

• Aadhaar-bank linking mismatch

• NPCI mapping issues

• Server load at bank

Credited in Account (What It Means)

When status shows Credited in Account, it means:

• Money has successfully reached your bank account

• Transaction is complete

• You can withdraw or use the funds

At this stage, no further action is required.

Payment Sent to Bank vs Credited in Account – Quick Comparison Table

Status	Money Released by Government?	Money in Bank System?	Money in Your Account?	Action Needed
Payment Sent to Bank	Yes	Yes	No	Wait 2–7 days
Credited in Account	Yes	Yes	Yes	No action

Why NSP Scholarship Shows “Payment Sent to Bank” But Not Credited

Here are the most common reasons:

1. Aadhaar Not Linked to Bank Account

If your Aadhaar is not properly linked, payment may get delayed.

2. Bank Account Frozen or Inactive

Inactive accounts delay processing.

3. NPCI Mapping Error

Payment through Direct Benefit Transfer (DBT) requires proper NPCI mapping.

4. Bank Internal Delay

Some banks process DBT payments in batches.

How to Check NSP Payment Status Correctly

You should verify payment in two places:

Step 1: Check NSP Portal

Official Website:https://scholarships.gov.in

Step 2: Check PFMS Portal

Official PFMS Tracking Link:https://pfms.nic.in/NewDefaultHome.aspx

Steps:

• Click “Track NSP Payments”

• Enter Bank Name

• Enter Account Number

• Enter NSP Application ID

This will show real-time payment status.

What To Do If Payment Sent to Bank But Not Credited (After 7 Days)

If 7 working days have passed:

1. Visit your bank branch

2. Confirm Aadhaar linking

3. Check NPCI mapping

4. Ask bank for DBT transaction details

5. Contact NSP helpdesk if bank confirms no pending credit

NSP Helpdesk:https://scholarships.gov.in/public/FAQ.aspx

Timeline: How Long Does NSP Scholarship Take After Sent to Bank

Stage	Expected Time
Sanctioned to Sent to Bank	3–10 days
Sent to Bank to Credited	2–7 working days
Total Payment Time	7–20 days

Important Tip for Students

If your status is “Payment Sent to Bank”, do not panic.In 90% of cases, the amount is credited within a week.

But always ensure:

• Bank account active

• Aadhaar linked

• Correct IFSC code

• No account mismatch

Frequently Asked Questions (FAQ)

Q1:Is Payment Sent to Bank Successful?

Yes. It means government has released your scholarship.

Q2:Can Payment Fail After Sent to Bank?

Rarely, yes. If account details are incorrect, it may return.

Q3:Should I Contact NSP Immediately?

No. Wait at least 5–7 working days.