Australia is one of the top destinations for Indian students seeking world-class education, multicultural experiences, and excellent post-study work opportunities. But before making the big move, one of the most important questions students and their families ask is: How much money is required to study in Australia in Indian Rupees?
This comprehensive guide breaks down the total cost of studying in Australia from an Indian student’s perspective, covering tuition fees, living expenses, visa requirements, health insurance, and other associated costs.
Step-by-Step Guide: Estimating Your Study Expenses in Australia in Indian Rupees
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Tuition Fees (₹9,00,000 – ₹25,00,000 per year)
Tuition fees are the biggest component of the total cost. The amount depends on the type of course and the university.
| Level of Study | Average Annual Fees (AUD) | Approx. in INR |
| Diploma / TAFE Programs | AUD 7,000 – 15,000 | ₹3,80,000 – ₹8,00,000 |
| Bachelor’s Degree | AUD 20,000 – 40,000 | ₹10,50,000 – ₹21,00,000 |
| Master’s Degree | AUD 22,000 – 45,000 | ₹11,50,000 – ₹23,50,000 |
| MBA / Specialized Masters | AUD 30,000 – 60,000 | ₹16,00,000 – ₹32,00,000 |
| PhD | AUD 18,000 – 42,000 | ₹9,50,000 – ₹22,00,000 |
Exchange rate used: 1 AUD ≈ ₹52.5 (rates may vary)
Many universities also charge additional student service fees, library fees, and other miscellaneous charges.
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Living Expenses (₹7,00,000 – ₹10,00,000 per year)
The Department of Home Affairs recommends that students should have at least AUD 24,505 (~₹12,85,000) per year to cover living costs. However, actual expenses may vary depending on the city and lifestyle.
Average Monthly Living Expenses:
| Expense | Monthly Cost (AUD) | Approx. in INR |
| Accommodation (shared) | AUD 400 – 900 | ₹21,000 – ₹47,000 |
| Food & groceries | AUD 300 – 600 | ₹16,000 – ₹31,000 |
| Transport | AUD 100 – 150 | ₹5,300 – ₹8,000 |
| Phone/Internet | AUD 30 – 60 | ₹1,500 – ₹3,200 |
| Miscellaneous | AUD 100 – 200 | ₹5,300 – ₹10,500 |
Tip: Living in cities like Sydney and Melbourne is costlier compared to cities like Adelaide, Perth, or Hobart.
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Student Visa (Subclass 500) – Approx. ₹38,000
To study in Australia, Indian students need a Student Visa (Subclass 500). The base application charge is AUD 710 (~₹37,300). Additional costs may include biometric fees or medical examinations.
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Overseas Student Health Cover (OSHC) – ₹30,000 to ₹55,000 per year
As an international student, you must have Overseas Student Health Cover (OSHC) for the duration of your stay.
| Duration | Approx. Cost (AUD) | In Indian Rupees |
| 1 Year | AUD 600 – 1,000 | ₹31,500 – ₹52,500 |
| 2 Years | AUD 1,200 – 1,800 | ₹63,000 – ₹95,000 |
Major providers include BUPA, Allianz, Medibank, and NIB.
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Flight Tickets – ₹40,000 to ₹90,000 (one-way)
Flight ticket prices vary depending on the city, airline, and time of booking. Budget at least ₹50,000 for a one-way ticket to major cities like Sydney, Melbourne, or Brisbane.
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Other Expenses (₹50,000 – ₹1,00,000)
Some additional costs to keep in mind:
- Visa Medical Exam: ₹6,000 – ₹8,000
- IELTS/PTE Exam Fee: ₹15,000 – ₹17,000
- Document Attestation & Translation: ₹2,000 – ₹5,000
- Local Transport Card (Opal, Myki): ₹1,000 – ₹3,000
- Study Materials/Books: ₹20,000 – ₹40,000 per year
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Total Estimated Cost in INR
| Expense | Estimated Annual Cost (INR) |
| Tuition Fees | ₹9,00,000 – ₹25,00,000 |
| Living Expenses | ₹7,00,000 – ₹10,00,000 |
| OSHC | ₹30,000 – ₹55,000 |
| Visa & Medicals | ₹45,000 – ₹55,000 |
| Flights & Miscellaneous | ₹50,000 – ₹1,00,000 |
| Total | ₹17,25,000 – ₹36,00,000+ |
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Can You Work While Studying in Australia?
Yes! Indian students on a student visa can work up to 48 hours per fortnight during academic sessions and full-time during vacations. Part-time jobs typically pay between AUD 20 – AUD 28 per hour, which can help you cover a portion of your living expenses.
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Scholarships for Indian Students
To reduce the financial burden, many Australian universities offer scholarships and grants:
- Destination Australia Scholarship
- Australia Awards
- University-specific Scholarships (Deakin, Monash, UNSW, etc.)
- Merit-based or need-based scholarships for Indian students
Scholarships can range from AUD 5,000 to full tuition waivers.
Final Thoughts:
Studying in Australia is a significant investment, but it comes with a high return — both academically and professionally. With careful planning, part-time work, and potential scholarships, Indian students can manage their expenses and make the most of their study abroad experience.
Before applying, make sure to consult with an experienced immigration or education consultant to guide you through the process and ensure you meet all visa and financial requirements.
Need Help Planning Your Study in Australia?
Apical Immigration Experts is one of the trusted education consultants in Delhi helping Indian students with university admissions, visa processing, PTE coaching, and pre-departure guidance for Australia.
