✨ Confused between UGC NET, SET, and JRF? Don’t worry! This guide simplifies everything for you – whether you’re a B.Com, M.Com, BBA, BBM, MBA or PGD student.
📚 What is UGC NET?
The UGC NET (University Grants Commission – National Eligibility Test) is a national-level exam conducted by NTA (National Testing Agency) to check eligibility for:
- Assistant Professor
- Junior Research Fellowship (JRF)
If you clear NET, you’re eligible to teach in colleges and universities across India.
📌 Eligibility: Master’s degree (M.Com/MBA) with minimum 55% (50% for reserved categories).
📌 Conducted Twice a Year: Usually in June & December.
📌 Subjects: Includes Commerce, Management, Economics, etc.

🏫 What is SET?
The SET (State Eligibility Test) is like NET, but it’s state-specific. It qualifies you to become an Assistant Professor in colleges within that particular state only.
📌 Conducted by State Authorities (like MH-SET for Maharashtra).
📌 No JRF in SET – Only for Lectureship Eligibility
📌 Same syllabus as UGC NET, but the validity is within the state.

🎓 What is JRF (Junior Research Fellowship)?
JRF is a scholarship/fellowship given to top rankers in UGC NET exam.
It allows you to:
- Do full-time Ph.D. or research.
- Get a monthly stipend (₹31,000 to ₹35,000).
- Join research institutes or become a research scholar.
📌 Top 6% scorers in UGC NET (with age limit 30 years, relaxation for reserved).
📌 Valid for fellowships and research projects.


🎯 Key Differences: NET vs SET vs JRF
Feature | UGC NET | SET (State Exam) | JRF (via UGC NET) |
---|---|---|---|
Exam Level | National | State Level | National (Top NET Rankers) |
Conducted By | NTA | State Universities | NTA (as part of NET) |
Eligibility Given | Assistant Professor + JRF (if rank) | Assistant Professor (State-only) | Research Fellowship + NET |
Validity | All India | Specific State | All India |
JRF Included | Yes (if scored high) | ❌ Not Included | ✅ Fellowship with Stipend |
🧭 Which One Should You Target?
If You Are:
- M.Com / MBA / PGD Student – Aim for UGC NET + JRF. It opens both teaching and research opportunities nationwide.
- Final Year PG Student – Prepare in advance! You can apply before final results (provisional).
- Want to Teach in Your State Only – SET is enough. But NET gives you more flexibility.
- Planning PhD or Research Career – Go for UGC NET with JRF.
✅ Quick Tips to Crack NET/SET/JRF
- Understand Paper I (General) and Paper II (Commerce/Management) structure.
- Revise topics like Business Environment, Financial Management, Research Methods.
- Solve previous year papers regularly.
- Use standard books & practice MCQs daily.
- Stick to a weekly planner.

💡 Final Thought:
🎯 UGC NET = Gateway to Teaching + Research
🎯 JRF = Bonus Fellowship for Top Scorers
🎯 SET = Teaching Eligibility within State
👉 So, choose wisely!
If you’re serious about a career in academia or research, target UGC NET + JRF.