Cost of Living in UK for Indian Students

The UK Government recommends monthly living costs of approximately £1,265 (₹1,26,500) for students in London and £1,015 (₹1,01,500) for those studying outside the capital. The United Kingdom is a popular destination for international students, but it’s important to understand the cost of living in the UK before you make the move.

With its prestigious universities and rich cultural heritage, it’s no wonder that so many tourists and students are drawn to this vibrant country. However, the cost of living in the United Kingdom can be a major concern for many international students.

From accommodation to daily expenses, it’s important to understand the financial implications of living expenses in UK. By understanding the cost of living in advance, you can better plan and budget for your study abroad experience, ensuring that you make the most of your time in this vibrant and culturally rich country. 

So, here we provide you with all the insights that will help you plan your budget and ensure that your study abroad experience is both enriching and affordable. 

Tuition Fees in the United Kingdom for International Students

When planning to study in the UK, tuition fees are a major consideration. The UK is home to world-renowned universities, attracting thousands of international students each year.

Estimated Tuition Fees

• Undergraduate Programs: £11,400 – £38,000 per year (₹11,40,000 – ₹38,00,000, average: ₹22,20,000)
• Postgraduate Programs: £12,000 – £25,000 per year (₹12,00,000 – ₹25,00,000, average: ₹17,10,900)

Tuition fees vary based on factors such as university ranking, course subject, and student nationality. International students typically pay higher fees than home students, as they are not eligible for government funding.

Scholarships & Financial Aid

Many UK universities offer scholarships and financial aid specifically for international students. These can cover part of your tuition or living expenses, helping reduce the overall cost of studying in the UK.

Key Takeaways

• Actual tuition fees may vary; consult a study abroad expert like Shuraa Education for guidance.

• International students pay more than home students due to lack of government funding.

• Scholarships are widely available to ease financial burdens.

Studying in the UK is an investment in your future—planning ahead can make it more affordable.

Consult with Experts Now!

Accommodation Costs 

Accommodation cost in UK can significantly impact your overall cost of living. The cost of accommodation can vary widely across the UK, with major cities generally having higher rental prices. In general, London is the most expensive city, while the cost of accommodation is lower in smaller towns and cities. 

For international students, the cost of accommodation in the UK is typically around £600–£1,000 per month (₹60,000 – ₹1,00,000). This includes rent, bills, and utilities.

There are two main types of accommodation available to students in the UK: on-campus housing and off-campus housing. 

• On-campus housing is typically provided by the university and is located on campus. It is often the most expensive option, but it can be a convenient and safe option for students.
• Off-campus housing is located off campus and can be rented from a private landlord or letting agent. It is often the more affordable option, but it can be more difficult to find and may not be as convenient as on-campus housing.

Here is a table of average rental prices in major cities in the UK: 

Finding affordable accommodation cost in UK can be challenging, but it’s not impossible. Consider options like sharing a flat with other students to split costs or seeking accommodation in less-expensive neighbourhoods, this will help you make budget-friendly cost of living in UK. 

Daily Expenses

The daily expenses in the UK vary depending on the city, lifestyle, and spending habits. However, here is a general breakdown of some of the most common expenses: 

• Food and groceries: The average cost of food and groceries in the UK is around £200 per month. This can vary depending on your diet and eating habits. If you cook at home, you can save money on food costs.
• Transportation: The cost of transportation in the UK also varies depending on the city and the mode of transportation. The average cost of public transportation is around £50 per month. However, if you need to drive, you will also need to factor in the cost of car insurance, petrol, and parking. 
• Entertainment and leisure activities: The cost of entertainment and leisure activities in the UK varies depending on what you like to do. If you go out to movies or concerts, the cost will be higher. If you prefer to stay in and cook at home, the cost will be lower.

Here is a table of the average daily expenses in major cities in the UK:

In addition to the essentials mentioned above, it’s important to account for miscellaneous daily expenses that can crop up. These may include personal care items, such as toiletries and grooming products, as well as household supplies like cleaning products. 

Health-related expenses, such as medications or doctor’s visits, should also be considered when planning budget for UK monthly living cost. 

Healthcare Insurance and Expenses

The United Kingdom takes pride in its National Health Service (NHS), a publicly funded healthcare system that provides medical services to residents, including international students who a0re enrolled in courses lasting at least six months. 

International students who are studying for six months or more are required to pay an Immigration Health Surcharge (IHS) as part of their visa application fee. The IHS is a fee that helps to fund the NHS. The cost of the IHS is £1200 (varies as per the exchange rate)per year. International students may also want to consider taking out private health insurance. 

Despite the availability of the NHS and potential supplementary insurance, there are still some medical expenses you may need to manage during your time in the UK. 

Here are some tips for managing medical expenses as an international student in the UK: 

• Take out private health insurance. 
• Be aware of the costs of healthcare in the UK. The NHS is free for UK residents, but international students may have to pay for some services. 
• Only go to the doctor or hospital when you really need to. There are many things that you can treat at home, such as minor colds and flu. 
• There are several scholarships and grants available to international students to help cover the cost of healthcare.

10 ways to reduce your living costs

Managing the cost of living in UK per month as an international student can be challenging, but with careful planning and budgeting, it’s entirely manageable.  

Here are some essential budgeting tips to help you make the most of your financial resources: 

1. Create a Realistic Budget

Start by listing all your expected income sources, including any scholarships, part-time work earnings, or financial support from family. Then, detail your monthly expenses, such as tuition fees, rent, groceries, transportation, and entertainment. A budget will provide a clear overview of your financial situation. 

2. Prioritize Essentials

Differentiate between essential and non-essential expenses. Prioritize items like rent, groceries, and utility bills over non-essential spending like dining out or entertainment. 

3. Avoid impulse purchases

It’s easy to overspend when you’re not careful. Make a habit of thinking about your purchases before you make them. 

4. Take advantage of student discount

There are many student discounts available, so be sure to ask about them when you’re shopping or dining out. 

5. Cook at Home

Cooking your meals at home is generally cheaper than eating out. Consider cooking with friends to share expenses and enjoy social time. 

6. Find Affordable Housing

Look for affordable housing options, whether on-campus or off-campus. Shared accommodation with other students can significantly reduce accommodation cost in UK. 

7. Part-Time Work

If your visa permits, consider taking up part-time work. Ensure it doesn’t interfere with your studies and be aware of the regulations regarding the number of hours you can work. 

8. Use public transportation

Public transportation is a more affordable way to get around than owning a car. 

9. Seek Scholarships and Grants

Continuously explore opportunities for scholarships and grants, both from your university and external sources, to help alleviate tuition and living expenses in UK. 

10 Network and Share Resources

Connect with other international students to share cost-saving tips and resources. They may have valuable insights on affordable services and hidden gems in your area. 

Shuraa Education – Your Study Abroad Solution

The cost of living in UK can be high, but it is possible to manage your finances and make your study abroad experience affordable. With careful budgeting, smart financial choices, and the support of various resources available to students, you can make your time in the UK not only academically rewarding but also financially sustainable. 

If you are an international student who is planning to study in the UK, Shuraa Education can help you every step of the way. 

Our dedicated team specializes in helping students’ study abroad, with a vast network of over 750 prestigious partnerships worldwide. We can match you with the perfect university that aligns with your educational goals and budget. 

Our student-centric approach ensures you have access to all the necessary resources to kickstart your educational journey. 

So, what are you waiting for? Reach out to us at info@shuraaeducation.com or give us a call or WhatsApp at +91 931 999 8925. 

Let Shuraa Education be your trusted partner in achieving your academic dreams. We’re here to help you every step of the way!

Discover Your Study Abroad Options!