Cost of Studying in Poland 2026: Tuition Fees & Living Expenses in ₹ INR

Last Updated: April 19, 2026

🕑 6 min read

Last Updated: February 2026 | Author: Saumitra Rajput, Kadamb Overseas | Fact-Checked: Against official university & NBP data

Why Poland is One of Europe’s Most Affordable Study Destinations

Poland consistently ranks among the top 3 most affordable EU countries for international students. While Western European countries like UK, Netherlands, and Switzerland charge ₹15–40 lakh per year in tuition alone, Polish universities offer the same quality European education for just ₹2–6 lakh. Add living costs that are 40–60% lower than Germany or France, and Poland becomes the clear winner for budget-conscious Indian students.

At Kadamb Overseas, we’ve helped 500+ Indian students plan their European education finances over 14+ years. This guide provides a detailed cost breakdown in Indian Rupees (₹) so you can budget accurately.

Tuition Fees by Program Type

Program Type	Annual Fee (EUR)	Annual Fee (₹ INR)	Total Cost (Full Program)
Bachelor’s (General)	€2,000–4,000	₹1.82L–3.64L	₹5.46L–10.92L (3 years)
Bachelor’s (Engineering)	€2,500–4,500	₹2.28L–4.1L	₹7.97L–14.34L (3.5 years)
Master’s (General)	€2,500–5,000	₹2.28L–4.55L	₹3.41L–9.1L (1.5–2 years)
Master’s (Business/MBA)	€3,500–7,000	₹3.19L–6.37L	₹6.37L–12.74L (2 years)
Medicine (MD)	€9,500–13,000	₹8.65L–11.83L	₹51.9L–70.98L (6 years)
Dentistry	€9,000–12,000	₹8.19L–10.92L	₹40.95L–54.6L (5 years)
PhD	€0–3,000 (many funded)	₹0–2.73L	₹0–10.92L (3–4 years)

City-Wise Living Costs Comparison

Expense	Warsaw	Kraków	Wrocław	Łódź	Gdańsk
Dorm Room	₹10K–16K	₹8K–14K	₹8K–13K	₹7K–11K	₹9K–14K
Shared Flat	₹18K–28K	₹15K–24K	₹14K–22K	₹12K–18K	₹15K–23K
Food/Groceries	₹14K–20K	₹12K–18K	₹12K–17K	₹10K–15K	₹12K–18K
Transport	₹1.6K–2.5K	₹1.2K–2K	₹1.2K–2K	₹1K–1.8K	₹1.2K–2K
Phone + Internet	₹1K–1.6K	₹1K–1.6K	₹1K–1.6K	₹1K–1.5K	₹1K–1.6K
Health Insurance	₹1.1K–2K	₹1.1K–2K	₹1.1K–2K	₹1.1K–2K	₹1.1K–2K
Total/Month	₹46K–70K	₹38K–62K	₹37K–58K	₹32K–50K	₹39K–61K
Annual Living	₹5.5L–8.4L	₹4.6L–7.4L	₹4.4L–7L	₹3.8L–6L	₹4.7L–7.3L

Budget Tip: Łódź is Poland’s most affordable major student city — you can live comfortably on ₹35K–40K/month. Warsaw costs 30–40% more but offers better part-time job opportunities.

Total Annual Cost: Tuition + Living Combined

Program	Budget City (Łódź)	Mid-Range (Kraków/Wrocław)	Premium (Warsaw)
Bachelor’s (General)	₹5.6L–9.6L	₹6.4L–11L	₹7.3L–12L
Bachelor’s (Engineering)	₹6.1L–10.1L	₹6.9L–11.5L	₹7.8L–12.5L
Master’s (General)	₹6.1L–10.5L	₹6.9L–12L	₹7.8L–13L
Medicine (MD)	₹12.5L–17.8L	₹13.3L–19.2L	₹14.2L–20.2L

Poland vs India: Education Cost Comparison

Parameter	Poland (Public Uni)	India (Private Eng College)	India (Private Medical)
Annual Tuition	₹1.82L–4.1L	₹1.5L–5L	₹10L–25L
Annual Living	₹3.8L–8.4L	₹1.2L–3L	₹1.5L–4L
Total (Full Degree)	₹17L–37L (3 yrs)	₹8L–32L (4 yrs)	₹50L–1.3Cr (5.5 yrs)
Degree Value	EU-recognized, global mobility	India-recognized	India-recognized
Post-Study Work	1-year EU job seeker visa	N/A (domestic)	N/A (domestic)
ROI Potential	High (EU salary: ₹1.1L–2.9L/month)	Medium (₹25K–60K/month)	High (₹50K–2L/month after years)

How to Fund Your Poland Education

1. Scholarships (Reduce or Eliminate Tuition)

• NAWA Scholarship: Full tuition + ₹1.09L/month stipend
• Stefan Banach Scholarship: Full tuition + living for STEM students
• University Merit Awards: 10–50% tuition waiver
• Erasmus Mundus: €1,400/month for joint Master’s programs

2. Part-Time Work (Cover Living Costs)

• 20 hours/week during term, full-time during breaks
• Average wage: 25–35 PLN/hour (₹512–717/hour)
• Monthly earning potential: ₹41K–57K (20 hrs/week)
• Popular jobs: IT support, tutoring, hospitality, retail, content writing

3. Education Loans

• Indian banks: SBI, HDFC Credila, Axis Bank — loans for overseas studies up to ₹20–40L
• Interest rate: 8.5–11.5% p.a. (collateral-free up to ₹7.5L)
• Moratorium: Repayment starts 6–12 months after course completion
• Prodigy Finance: International student loans without collateral or co-signer

Frequently Asked Questions

How much money do I need to show for a Poland student visa?

You need to show a minimum of €7,000 per year of study (₹6.37L) in your bank account. This can be in the student’s or parent’s name. A scholarship letter covering your expenses can also substitute for bank balance. The amount should be available at least 3 months before your visa application.

Is Poland cheaper than Germany for Indian students?

For living costs, definitely yes — Poland is 40–50% cheaper than Germany. A student in Kraków spends ₹38K–62K/month vs ₹75K–1L in Munich or Berlin. For tuition, it depends: German public universities charge near-zero tuition (only €300/semester), while Polish universities charge €2,000–6,000/year for non-medical programs. Overall total cost (tuition + living) is comparable, but Poland is slightly cheaper for most programs.

Can I earn enough from part-time work to cover my expenses?

Working 20 hours/week at average student wages (25–35 PLN/hour), you can earn ₹41K–57K/month. In budget cities like Łódź or Katowice, this covers 80–100% of living costs. In Warsaw, it covers 60–80%. Most students supplement part-time earnings with parental support or savings for the first 2–3 months until they find work.

Are there any hidden costs I should budget for?

Common additional expenses: (1) Visa application fee: ₹7,280 (one-time), (2) Temporary Residence Permit renewal: ₹4,000–5,000/year, (3) Document apostille by MEA: ₹50 per document, (4) Health insurance: ₹13K–24K/year, (5) Initial setup costs (bedding, kitchen items, warm clothing): ₹15K–25K one-time, (6) Flight tickets: ₹25K–45K one-way.

Do Polish universities offer payment installments?

Yes, most Polish universities allow tuition payment in 2 installments (per semester) or sometimes monthly installments with a small surcharge (3–5%). Medical universities typically require semester-wise payment. Some universities offer early payment discounts of 5–10%. Always ask about installment options during admission.

What is the cheapest city for Indian students in Poland?

Łódź is consistently the most affordable major student city, with total monthly costs of ₹32K–50K. Lublin, Katowice, and Rzeszów are even cheaper but have fewer English-taught programs. For the best balance of affordability and opportunity, Wrocław and Kraków offer moderate costs (₹37K–62K/month) with strong job markets and vibrant student life.

Is the 1 PLN = ₹20.5 exchange rate stable?

The PLN/INR rate has been relatively stable in the range of ₹19–22 over the past 3 years. Poland’s strong economic growth and EU membership provide currency stability. However, exchange rates can fluctuate. Budget tip: use services like Wise or Remitly for lower transfer fees compared to traditional banks. Consider transferring a semester’s expenses at once when the rate is favorable.