New Zealand Student Visa Fees, Funds & Bank Requirements for Indian Students (2025-26 Guide)
Planning your New Zealand student visa from India? This finance-focused guide explains
visa fees, required funds in Indian Rupees (INR), approved Indian banks,
documents, and example fund structures that help Indian students submit a
strong NZ student visa application.
For a complete overview of eligibility, course selection, visa requirements and consultants, see our page:
Study in New Zealand for Indian students – Visa Requirements & Consultants
New Zealand Student Visa Fees for Indian Students (2025-26 Updated)
New Zealand student visa fees and related expenses depend on the application mode, updated Immigration New Zealand (INZ) charges and your personal situation. Below is an India-focused breakdown of costs you should plan for in New Zealand Dollars (NZD) and Indian Rupees (INR):
- Visa application fee: approx. NZD 330–400 (₹15,000–₹20,000)
- Biometrics at VFS India: around ₹1,000–₹1,200
- Medical examination: typically ₹7,000–₹12,000 depending on city and clinic
- Tuition deposit: first-year tuition or institution’s required portion
- Living cost requirement: NZD 15,000 per year (~₹7.8 lakh)
These are estimates to help Indian families plan. Always check the latest official information or confirm with our
New Zealand student visa consultants
before you pay or apply.
Required Funds in Indian Rupees (INR) for NZ Student Visa
INZ wants to see that you can genuinely support yourself during your studies. For Indian students, this means showing a combination of savings, fixed deposits, education loans and sponsor income with clear documentation.
| Category | Amount (NZD) | Approx. INR |
|---|---|---|
| Living costs (per year) | 15,000 | ₹7.8 lakh |
| Tuition (UG programmes) | 18,000–30,000 | ₹9.3–15.6 lakh |
| Medicals & insurance | 600–800 | ₹31k–41k |
The exact amount you must show depends on your course, city, accommodation and family situation. StudyPlus NZ helps you
plan a realistic budget in Indian Rupees (INR) and present funds in a visa-friendly format.
Want to check if your funds are sufficient?
Our New Zealand study visa consultants review your bank statements, FDs and education loans and suggest adjustments before you apply.
Approved Indian Banks for New Zealand Student Visa Funds
Immigration New Zealand accepts funds from most Indian banks as long as the money is genuine, traceable and clearly documented.
These are some of the most commonly used banks in New Zealand student visa files from India:
- SBI (State Bank of India) – widely used for education loans and fixed deposits.
- HDFC Bank – popular for savings + FDs with clean digital statements.
- ICICI Bank – strong option for tuition transfers and education loans.
- Axis Bank – commonly used for visa funds and sponsor accounts.
- Kotak Mahindra Bank – good for structured savings and fixed deposits.
- Bank of Baroda – trusted for stable financial history.
The bank name alone does not decide visa success. INZ looks at the history in your statements, source of funds,
income proofs and whether your story is consistent. That is exactly where our team guides you.
Financial Document Checklist & StudyPlus Support
To prove genuine access to funds, Indian students typically submit a mix of bank statements, fixed deposits, education loans and sponsor documents.
Here is a simplified checklist:
- 6-month bank statements (savings or current)
- Fixed Deposit (FD) certificates and summaries
- Education loan sanction letter (if applicable)
- Salary slips, ITRs or business income proofs for sponsors
- Affidavit of support from parents or sponsors
- Tuition fee receipt or payment confirmation
| Document | StudyPlus NZ Support |
|---|---|
| Offer letter | Verify authenticity & alignment with your profile |
| Passport & identity | Check validity, spelling and consistency |
| Bank statements & FDs | Review format, history and fund sufficiency |
| Medical & police reports | Guidance on appointments & document uploads |
If you are unsure whether your financial documents meet New Zealand student visa requirements, start with our
New Zealand student visa consultants hub page
for a full checklist and step-by-step process.
Example Fund Structures for New Zealand Student Visa (Indian Students)
Many applications are refused because the fund structure is confusing or unrealistic. Below are simple examples of how Indian families commonly
present funds for a New Zealand student visa:
| Scenario | Typical Fund Structure |
|---|---|
| Savings + FDs | 6–12 month savings history + FD certificates + tuition fee receipt |
| Education loan | Loan sanction letter + partial tuition payment + sponsor income documents |
| Family sponsorship | Affidavit of support + bank statements + FDs + ITRs and employment proof |
Our team at StudyPlus NZ reviews your entire financial story and suggests adjustments before you submit your file, reducing RFIs and refusal risk.
VFS Biometrics Guide for New Zealand Student Visa (India)
After you lodge your online application, you will usually receive instructions to give biometrics at VFS Global in India.
- Book an appointment at your nearest VFS centre (Delhi, Mumbai, Chandigarh, Hyderabad, etc.).
- Carry your passport, appointment letter and any required printouts.
- Arrive early and follow VFS staff instructions for photo and fingerprints.
- Keep the biometrics receipt safely – you may need it for reference.
StudyPlus NZ guides you through the booking and documentation so you do not miss any step.
Medical Examination for New Zealand Student Visa (Indian Students)
Most Indian applicants must complete a medical examination with an INZ-approved panel physician.
- Book your medical at an authorised clinic in your city or nearest metro.
- Carry your passport, photos and any previous reports if advised.
- The clinic will upload results electronically to Immigration New Zealand.
- Keep a copy of your payment receipt and confirmation.
Scheduling medicals early helps avoid last-minute delays in your visa processing timeline.
Typical New Zealand Student Visa Processing Timeline
| Stage | Estimated Duration |
|---|---|
| Document preparation | 1–2 weeks |
| Online visa submission | 2–3 weeks |
| Biometrics & medicals | 1 week |
| Visa decision & travel planning | 4–6 weeks |
Common Finance-Related Refusal Reasons & Fixes
- Insufficient proof of funds – not enough balance or short fund history.
- Unexplained large deposits – sudden credits without clear source.
- Weak sponsor income documentation – missing ITRs, salary slips or business proofs.
- Course–fund mismatch – expensive course with unrealistic finances.
Our financial review aims to catch these issues before you submit your file, so your New Zealand student visa for Indian students has a stronger chance of approval.
If your previous application was refused due to funds, our New Zealand study visa consultants in Ludhiana can
review your case, restructure your finances in INR and help you plan a stronger reapplication.
Success Stories from Indian Students
“StudyPlus NZ guided me through every form and interview—I got my visa in just 3 weeks!”
— Anjali Sharma, University of Auckland
“Their finance team helped me secure an education loan within days. Highly recommend!”
— Rohan Patel, AUT
FAQ – New Zealand Student Visa Fees & Funding for Indian Students
- How much money is required for a New Zealand student visa from India?
- Usually NZD 15,000 for living costs plus first-year tuition, supported by clear bank statements, FDs or an education loan.
- Which Indian banks are accepted for New Zealand visa funds?
- Common choices include SBI, HDFC, ICICI, Axis, Kotak and Bank of Baroda, but any bank is fine if funds are genuine and traceable.
- Can I use fixed deposits (FDs) for NZ student visa?
- Yes. FDs are widely accepted when supported by certificates, bank summaries and income proofs.
- Is an education loan enough for New Zealand student visa?
- Yes, a sanctioned education loan is accepted if it covers tuition and living costs and is supported by sponsor income documents.
- What if my application is refused due to funds?
- We review the refusal letter, fix gaps in documentation or fund structure, and help you plan a stronger reapplication.
Ready to Start Your New Zealand Student Visa Journey?
Get personalised guidance on fees, funds, banks and documents from our India and New Zealand teams. Move from confusion to a clear, confident visa plan.
