Can I Study in the UK Under 10 Lakhs?
The dream of studying in the UK is shared by thousands of Indian students every year. With world-class universities, globally recognized degrees, and incredible work opportunities, it’s easy to see why. But one big question always pops up — “Can I study in the UK under 10 lakhs?”
At first glance, studying abroad sounds expensive. However, with the right mix of affordable universities, scholarships, and smart financial planning, it’s absolutely possible to make your UK study dream fit within a ₹10 lakh budget.
This blog will show you exactly how — breaking down tuition costs, scholarships, cities, and real-life examples so you can confidently plan your education journey to the UK.
Is It Really Possible to Study in the UK Under 10 Lakhs?
Yes, you can study in the UK under 10 lakhs, but it requires thoughtful planning.
Normally, the average tuition fees in the UK range between ₹15–30 lakhs for a full master’s degree. But students who opt for short-term programs, budget universities, and smaller cities often manage to complete their studies for around ₹9–10 lakhs.
Here’s how:
- Choosing affordable universities (fees between ₹7–9 lakhs)
- Applying for scholarships and tuition fee waivers
- Reducing living costs by staying in smaller towns or sharing accommodation
- Taking 1-year postgraduate programs or diplomas
By combining all these strategies, your UK study dream can be well within reach — even under ₹10 lakhs.
Average Cost of Studying in the UK
Before planning your budget, let’s understand the major costs involved in studying in the UK.
| Expense Type | Average Cost (₹) | If You Budget Smart (₹) |
| Tuition Fees | 12L – 30L | 7L – 9L |
| Living Costs | 6L – 12L | 3.5L – 5L |
| Accommodation | 3L – 6L | 2L – 3L |
| Food & Utilities | 2L – 3L | 1.5L – 2L |
| Visa, Insurance, Travel | 1L – 2L | 1L |
So, if you’re strategic, studying in the UK under 10 lakhs is completely doable.
Top Affordable UK Universities for Indian Students (2025)
Let’s explore some UK universities that offer high-quality education at a fraction of the cost.
| University | Approx. Tuition Fee (₹/Year) | City | Why Choose It |
| University of Cumbria | ₹8–9 Lakhs | Carlisle | Excellent for management & IT; affordable living |
| University of Chester | ₹8.5 Lakhs | Chester | Great value for money, diverse programs |
| Teesside University | ₹8.5–9 Lakhs | Middlesbrough | Industry-linked courses, low tuition |
| University of Sunderland | ₹8.5 Lakhs | Sunderland | Very affordable city with strong student support |
| University of Bedfordshire | ₹9 Lakhs | Luton | Practical courses & multicultural campus |
| University of West London | ₹9–10 Lakhs | Ealing | Good for business, media & hospitality |
| Leeds Beckett University | ₹9.5 Lakhs | Leeds | Modern campus, affordable housing |
Each of these universities has a solid reputation, reasonable tuition, and great options for scholarships —
making them ideal for students who want to study in the UK under 10 lakhs.
Scholarships That Help You Study in the UK Under 10 Lakhs
If you’re serious about studying abroad on a budget, scholarships are your best friend. Here are some top options for Indian students:
| Scholarship | Benefits | Eligibility |
| Chevening Scholarship | Fully funded (tuition, travel, and living) | Academic excellence + leadership experience |
| Commonwealth Scholarship | Full funding for postgraduate study | Students from Commonwealth countries |
| GREAT Scholarship (India) | £5,000–£10,000 (₹5–10 Lakhs) | Indian students at select UK universities |
| Charles Wallace India Trust Scholarship | Covers tuition & living costs | Mid-career professionals and artists |
| University-Specific Awards | Up to 50% fee waivers | Based on merit, SOP, or extracurriculars |
Applying early (usually 10–12 months before intake) is crucial to secure these financial aids.
Low-Cost Courses & Diplomas for Indian Students
If a full master’s program feels too expensive, diploma and certificate courses are a great alternative.
They are shorter (usually 1 year), more practical, and significantly cheaper.
Top budget-friendly courses:
- PG Diploma in Data Analytics
- PG Diploma in Digital Marketing
- MSc in Business Management (1-year)
- MA in Communication or Media Studies
- Diploma in Healthcare Management
These programs typically cost between ₹6–9 lakhs and can be completed within a year, making them perfect for those who want to study in the UK under 10 lakhs.
Cheapest Cities to Live in the UK
London is exciting, but also one of the most expensive cities in the world. If your budget is tight, consider these student-friendly, affordable cities.
| City | Monthly Living Cost (₹) | Why It’s Great |
| Sunderland | ₹55,000–₹70,000 | Lowest rent & cost of living in the UK |
| Cardiff | ₹60,000–₹75,000 | Capital city vibes with low prices |
| Leeds | ₹65,000–₹75,000 | Amazing student culture & safety |
| Liverpool | ₹65,000–₹80,000 | Budget housing & lively student scene |
| Belfast | ₹60,000–₹70,000 | Cheapest city for international students |
Choosing a smaller city can save you ₹4–5 lakhs per year, bringing your overall study cost down to well under ₹10 lakhs.
Smart Tips to Study in the UK Under 10 Lakhs
Here are some proven, practical tips that Indian students use to minimize their study costs:
1. Apply Early for Scholarships
Scholarships fill up quickly. Start
applying as soon as you receive your offer letter.
2. Work Part-Time
UK student visas allow you to work 20 hours/week during term and full-time during breaks. You can earn up to ₹70,000/month to manage your living costs.
3. Stay in Shared Accommodation
Shared housing or university hostels can reduce rent by 40%.
4. Choose Affordable Cities
Avoid London. Cities in Northern England or Wales are 30–50% cheaper.
5. Cook Your Own Food
A simple lifestyle change that saves ₹20,000–₹30,000 per month.
6. Opt for 1-Year Courses
Shorter programs cut tuition and living expenses by almost half.
7. Leverage Student Discounts
From travel passes to shopping, the UK offers tons of student discounts.
Sample Budget: Study in the UK Under ₹10 Lakhs
Here’s how a realistic budget might look:
| Category | Cost (₹) |
| Tuition Fee (University of Cumbria PG Diploma) | ₹8,00,000 |
| Visa & Travel | ₹1,00,000 |
| Living Expenses (Shared Flat in Carlisle) | ₹80,000 |
| Total Cost | ₹9,80,000 |
If you earn even ₹25,000/month from part-time work, your living costs can be fully covered — making your net outflow much lower.
FAQs About Studying in the UK Under 10 Lakhs
Q1. Can I really study in the UK under 10 lakhs without a scholarship?
Ans. Yes, it’s possible if you choose short-term or diploma programs and live in smaller cities.
Q2. Which UK university is the cheapest
for Indian students?
Ans. The University of Cumbria, Teesside University, and the University of Sunderland are among the most affordable.
Q3. What is the minimum cost to study in the UK for Indian students?
Ans. The total can go as low as ₹8–10 lakhs depending on the program, university, and location.
Q4. Are there any part-time job opportunities for international students?
Ans. Yes, students can legally work up to 20 hours/week during term and full-time during holidays.
Q5. What are the cheapest cities for international students in the UK?
Ans. Sunderland, Leeds, Liverpool, and Cardiff are great for budget-conscious students.
Final Thoughts
So, can you study in the UK under 10 lakhs? Absolutely — with the right university, city, and financial planning, it’s not just a dream, it’s achievable.
Many Indian students today are studying in the UK with smart budgeting, partial scholarships, and part-time work support. You don’t need to spend a fortune to earn a world-class UK degree — just plan early, research well, and make informed choices.
Your UK study journey could be the most rewarding investment of your life — and yes, it can be done under ₹10 lakhs!