Kostenrechner · Cost calculatorBOM → FRALive ₹ rate
What does moving to Germany cost in ₹?
APS, language tests, visa, blocked account, flights and your first month, line by line. Defaults are 2026 figures with sources below. Change anything that's different for you; the totals update instantly.
Before you apply
In IndiaNon-refundable. Required for most Indian applicants. APS checklist →
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€75 for the first programme, €30 for each extra one in the same semester. Some universities don't use uni-assist; enter 0 if none of yours do.
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Language & entrance tests
Tick the ones you takeTick only the tests your universities or employer ask for. Retaking one? Type the total you pay for all attempts.
For English-taught programmes. ₹19,000 since 1 April 2026, paper or computer.
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Accepted instead of IELTS by most English-taught programmes. ₹16,900.
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For German-taught degrees (usually B2 or C1) and Ausbildung (usually B1 or B2). Fees for the full exam at Goethe-Institut India, incl. GST. Check your level →
The other common German test for degree programmes, taken digitally at a test centre. About ₹16,500.
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Needed from the Summer 2027 intake for Master's applicants with an Indian degree in engineering, commerce, finance, economics or business. €150, paid to g.a.s.t. dMAT in the APS checklist →
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Only a few German programmes ask for it. ₹22,000.
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Visa & paperwork
Before you flyNational (D) visa: ₹8,400 (€75), per the German Embassy in India. Visa checklist →
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₹1,024 service fee + ₹1,420 logistics fee (New Delhi centre). Other centres charge similar amounts.
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Charged by the provider: €119 at Expatrio, €159 at Fintiba. Both also charge about €9–10 a month. Only if you use a blocked account. Compare providers →
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Covers you from arrival until student insurance starts. Usually €30–95.
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Blocked account
Your own money€992 a month for 12 months, set for 2026. You don't lose this money: it's paid back to you in Germany, month by month, to live on.
Untick if you're funded another way, for example a scholarship or a formal sponsor (Verpflichtungserklärung).
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Flight
One wayEconomy from Mumbai or Delhi is usually about ₹25,000–60,000, depending on season and how early you book.
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Your first month
In GermanyA room in a shared flat (WG) averages €510; from about €305 (Chemnitz) to €850 (Munich).
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Usually 1–3 months' rent. You get it back when you move out.
Paid to the university each semester, usually €150–400 (€376.80 at FU Berlin this winter). Often includes a public-transport ticket.
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Public student insurance (TK, 2026, incl. long-term care). Other public insurers are similar. From month two, your blocked-account payout covers it.
Your estimate: groceries, SIM, bedding, kitchen basics for the first weeks.
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Often forgotten
Easy to missYour visa is only valid for the first months. The foreigners' office (Ausländerbehörde) charges €100 to issue the residence permit; free if you have a publicly funded scholarship.
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€18.36 a month per flat, billed €55.08 a quarter. Compulsory even without a TV. In a shared flat, flatmates usually split it.
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Tax collected at source (TCS)Indian banks collect 2% on education payments abroad above ₹10 lakh a financial year (since 1 April 2026), estimated here from your blocked account. Strictly, everything you send abroad in that year counts, so it can be a little higher. You get it back as a tax credit in the payer's income-tax return.
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Where these numbers come from
Sources, checked 16 October 2026
- Blocked account €11,904 / €992 per month: Federal Foreign Office ↗. Always check the live figure before you pay.
- Visa fee ₹8,400 (€75): German Missions in India, national visa ↗. VFS service fee ₹1,024 and logistics fee ₹1,420: VFS Global, New Delhi ↗
- uni-assist handling fees €75 / €30: uni-assist ↗
- Student health insurance €141.16 / €146.29 per month from 1 Jan 2026: Techniker Krankenkasse ↗
- Shared-flat room average €510 (median €305 in Chemnitz to €850 in Munich), winter semester 2026/27: Moses Mendelssohn Institute and WG-Gesucht ↗
- APS fee ₹18,000: our APS checklist.
- Semester contribution €150–400: DAAD ↗; €376.80 for winter 2026/27 at FU Berlin ↗. Blocked-account fees: Expatrio ↗ (€119 + €9/month) and Fintiba ↗ (€159 + €9.90/month). Travel-insurance range: VisaFlow cost breakdown, April 2026 ↗
- Test fees: IELTS ₹19,000 from 1 April 2026 (IDP India ↗); TOEFL iBT ₹16,900 and GRE ₹22,000 (ETS India ↗); Goethe-Zertifikat fees as charged by Goethe-Institut India in 2026, incl. GST (Goethe-Institut India ↗); TestDaF about ₹16,500 (TestDaF ↗); dMAT €150 (dMAT in India ↗). Fees differ slightly between centres; check before you book.
- Residence permit €100: as listed by e.g. City of Heidelberg ↗. Broadcasting fee €18.36 a month: ARD ZDF Deutschlandradio Beitragsservice ↗. TCS: 2% above ₹10 lakh for education from own funds, nil with an education loan, from 1 April 2026: Income Tax Department ↗.
- Exchange rate: the page starts with ₹109.10 per € (mid-market, 28 Sep 2026). Press “Load today's rate” to fetch the current rate from ExchangeRate-API ↗; your browser contacts their server only when you press it.
These are planning estimates, not quotes. Fees change, and your university, city and visa centre decide the final amounts. Nothing you type here is sent anywhere; it's remembered only in your own browser.