With a parental income of 1.2 lakh/year, you're eligible for full tuition fee waivers under many government scholarship schemes. Once documents are verified, the scholarship is usually sanctioned within 1–3 months via DBT.

In government colleges, hostel and mess fees are low, around 5,000–17,000 per year. In private colleges, these may range from 50,000 to 1.5 lakh/year. Always submit correct income and caste certificates to ensure approval.