Dear aspirant,

If you give UGC-Net, you are making yourself eligible to apply for PhDs in India. You should be able to have enough amount of financial independence with your JRF money. If you looking for making more income, you should think of online tutoring, doing pat time jobs like content creation so that you'll be able to make some extra money. If you are looking for options other than MSc, you can apply for industrial jobs, based on your expertise. Ex :- You can work in pharmaceutical companies if you have a masters in biology/chemistry. You'll be able to carry out research and have more financial independence as well.

Hope this helps.