Studying in New Zealand as an Indian student involves moderate to high expenses, depending on the course and city. Tuition fees range from ₹10 to ₹18 lakhs per year for undergraduate and postgraduate programs, while PhD students benefit from domestic rates, making doctoral studies more affordable. Living costs, including accommodation, food, transport, and other essentials, typically amount to ₹8 to ₹12 lakhs annually. Students can choose from university hostels, shared apartments, or homestays, with rent ranging between ₹30,000 and ₹60,000 per month. To obtain a student visa, Indian students must show proof of sufficient funds, including at least NZD 20,000 (~₹10.2 lakhs) for annual living expenses. Part-time work is allowed up to 20 hours per week during semesters and full-time during breaks, with hourly wages between ₹1,100 and ₹1,300, helping to offset daily costs. Additionally, various scholarships are available to reduce the financial burden.