Cost to Study in Germany for Indian Students in 2026: Complete Budget Guide including Fees & Living Expenses

While many students dream of studying in Germany in 2026, the cost of study in Germany for Indian students is one important deciding factor. This is one factor which students consider for sure which is why everyone is looking for affordable study abroad destinations these days. When we talk about pocket friendly study destinations there are a few emerging countries including Germany, Netherlands and Dubai etc. In this blog we will discuss the cost to study in Germany in 2026 including the Germany course fee and living expenses. Overall, this will be a lookout on the complete budget of an Indian student planning to study abroad.

Cost of study in Germany for Indian students in 2026

Before we move ahead, let’s break down the cost:

Tuition Fees

Public universities in Germany usually charge very low or no tuition fees. However, this is not the case with any private universities in Germany. Though these are nearly free, still students studying in Germany have to pay a semester fee of €100 to €350 per semester.

Private universities usually charge 10,000 – 20,000 euros annually

Germany student visa – 75 euros

What is Included in the Semester Fee in Germany?

Semester fee is a must while you study in Germany as this fee is being paid every semester. This fee includes:

• A transport ticket for buses & trains

• Student ID card & exam forms

• Student union fees

• Library access, sports or cultural event tickets

German Blocked Account

11,904 euros/year is to be deposited in a blocked account that is equivalent to €992 euros per month. This means that it allows for a monthly withdrawal of €992.

Monthly Cost of Living in Germany for Indian Students

A cost to study in Germany for Indian students will definitely include monthly expenses which may be around €650 (approx INR 55,000 – 60,000) per month. This amount covers housing, food, clothing, study material and other expenses such as health insurance and leisure activities.

The cost of food in Germany is relatively affordable, with a basic meal in a restaurant costing between 8 and 15 euros. Grocery shopping can also be affordable at discount stores like Lidl, Aldi, or Netto. A student approximately needs 250 Euros for food and drinks per month.

Study in Germany for Indian Students – Public University Fee

Tuition Fees at Public Universities in Germany

Talking about course fees in public universities, there are no fees for international students. This is one primary reason why Indian students are getting more attracted towards studying in Germany. Though, there is no fee but still a semester fee is to be paid which ranges from €250 – €350. Mentioned below are the universities and their annual fees.

Tuition Fees at Private Universities in Germany

Fees in the private universities in Germany for Indian students usually ranges between €5,000 to €20,000 per year or more. Private universities in Germany offer specialised programs, however be ready to shell out more Euros from your pocket for this. Mentioned below are some of the best private universities and business schools in Germany along with their fees are:

Know more about MS in Germany for Indian students – Top university fees and scholarships

Cost of Living and Other Expenses for Indian Students Studying in Germany

If you have come to Germany for studying then be ready to spend around ₹89,000 which is the average cost of living here including your housing, food, health insurance and transportation etc.

Housing

Students in Germany can look either for Student Dormitories, Student Housing Apartments or Off Campus Student Housing which are private apartments. Private apartments can be more expensive in comparison to other accommodations. Students usually spend €410 per month on housing.

Food & Groceries

About €198 would be your food and grocery bill on a monthly basis. It is better to look for budget friendly cafeterias and other home cooked meal options to save on this as a student in Germany.

Public Transport

A monthly public transportation pass shall cost you around €48, however as a student you may get a semester ticket for your transport which is included in the semester fee.

Health Insurance

While you are studying in Germany you need to have health insurance which usually costs between ₹7,150 – ₹13,400 a month. This is a mandate for international students coming to study in Germany.

Average Cost to Study in Germany

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