Cost and value

Country cut

• United States

  Selective · ₹55–1.1 Cr for a 2-year MS · payback 3–7 years if STEM OPT converts; longer if it does not

• United Kingdom

  Selective · ₹35–52L for a 1-year MSc · payback 2–4 years on a UK starting salary

• Canada

  Conditional · ₹45–70L for a 2-year master’s · payback 3–5 years if PGWP + PR; poor if a non-eligible college

• Australia

  Selective · ₹50–75L for a 2-year master’s · payback 3–5 years with a 485 + skilled job

• Germany

  Strong · ₹18–30L for a 2-year master’s including blocked funds · payback 1–3 years

• Ireland

  Selective · ₹32–50L for a 1-year master’s · payback 2–4 years in a Dublin tech/pharma job

• New Zealand

  Conditional · ₹45–65L for a 2-year master’s · payback 3–6 years

• Netherlands

  Strong · ₹30–45L for a 1–2 year master’s · payback 2–4 years in Brainport / Randstad tech

• France

  Strong · ₹22–40L for a master’s · payback 2–4 years with French + engineering

• Singapore

  Selective · ₹45–70L for a 2-year master’s / 4-year undergrad remainder · payback 3–5 years if EP; weak if you must return immediately

• United Arab Emirates

  Conditional · ₹40–80L · payback Depends entirely on the home-campus brand and a UAE offer

• Sweden

  Strong · ₹28–42L for a 2-year master’s · payback 2–4 years in Nordic tech

• Italy

  Strong · ₹18–32L for a 2-year master’s · payback 2–4 years in Milan design/engineering

• Japan

  Conditional · ₹20–35L without scholarship · payback 2–4 years if hired in Japan

• South Korea

  Conditional · ₹20–32L · payback 2–4 years if placed in-country

• Malaysia

  Conditional · ₹18–35L for a 3–4 year bachelor’s or 1–2 year master’s · payback Depends on whether the degree is recognised where you will work

• Finland

  Strong · ₹24–38L · payback 2–4 years

• Switzerland

  Strong · ₹35–55L, almost all living cost · payback 1–3 years if placed in CH or a global lab

• Spain

  Conditional · ₹20–45L · payback 3–6 years; longer if unpaid internships

• Hong Kong SAR

  Selective · ₹32–50L for a 1-year master’s · payback 2–4 years in HK finance

• Belgium

  Selective · ₹28–48L for a 2-year master’s · payback 3–6 years if a specialist STEM job lands

• Denmark

  Selective · ₹40–65L for a 2-year master’s · payback 4–7 years if the job is Danish-sector

• Norway

  Conditional · ₹40–70L for a 2-year master’s · payback Uncertain unless energy/STEM converts

• Austria

  Strong · ₹24–40L for a 2-year master’s · payback 3–5 years if German + STEM

• Poland

  Conditional · ₹18–40L for a 2-year master’s; medicine is a longer invoice · payback Depends entirely on whether the licence/job is real

• Portugal

  Conditional · ₹22–40L for a 2-year master’s · payback 4–7 years; longer if language never arrives

• Taiwan

  Selective · ₹16–28L for a 2-year master’s · payback Strong if semiconductor/STEM converts; weak otherwise

• China

  Selective · ₹10–28L for a 2-year master’s; PhD often fully funded · payback Strong on a funded STEM file; poor as a full-fee English MA

• Czechia

  Conditional · ₹18–32L for a 2-year master’s · payback 4–6 years if engineering converts

• Hungary

  Conditional · ₹18–45L depending on medicine vs master’s · payback Scholarship STEM: strong. Unrecognised medicine: never

• Saudi Arabia

  Selective · ₹0–25L depending on scholarship · payback Strong on a funded STEM file

• Qatar

  Selective · ₹0–70L depending on funding · payback Only on a funded or parchment-strong file

• Thailand

  Conditional · ₹12–24L for a 2-year master’s · payback Only if you wanted the degree, not the visa

• Türkiye

  Conditional · ₹14–32L for a 2-year master’s · payback Uncertain; currency and language decide

• South Africa

  Conditional · ₹18–32L for a 2-year master’s · payback Uncertain; safety cost is not on the invoice

Country notes