Complete 2026 breakdown of the cost of studying in Netherlands for Indian students — tuition fees, city-wise living costs, visa expenses, health insurance, and total 2-year Master’s budget. Data sourced from 2,500+ Kadamb Overseas visa cases (2012-2026) and official university/embassy publications.
• Tuition: EUR 9,000-18,000/year (research universities) / EUR 8,000-12,000/year (universities of applied sciences)
• Living cost (monthly): EUR 900-1500
• Health insurance: EUR 50-125/month (Dutch basic health insurance)
• Visa fees: EUR 239 + INR 690 VFS
• Blocked account / proof of funds: Not required (Dutch proof of funds EUR 15,768/year)
• Total 2-year Master’s (approx): ₹40-70 lakh
EUR 9,000-18,000/year (research universities) / EUR 8,000-12,000/year (universities of applied sciences). Understanding the university type is critical:
| City | Monthly Cost (EUR) | Notes |
|---|---|---|
| Amsterdam | 1,300-1,500 | Most expensive; UvA, VU Amsterdam |
| Rotterdam | 1,000-1,250 | Erasmus University; port city |
| Delft | 1,000-1,200 | TU Delft (top tech uni in Netherlands) |
| Utrecht | 1,050-1,250 | Centrally located; Utrecht University |
| Eindhoven | 950-1,150 | TU/e; tech + Philips hub |
| Groningen | 850-1,050 | Northern; budget-friendly |
| Maastricht | 900-1,100 | Southern; Maastricht University |
| Wageningen | 900-1,100 | Agricultural sciences leader |
Based on Kadamb Overseas tracking of 2,500+ Indian students in Netherlands (2012-2026), the total 2-year Master’s budget breakdown:
| Item | Budget Range |
|---|---|
| Tuition (2 years) | Varies — see tuition section |
| Living (24 months) | EUR 21,600-36,000 |
| Health insurance (2 yrs) | Covered in monthly estimates |
| Visa + travel + setup | ₹2-3 lakh |
| TOTAL (INR) | ₹40-70 lakh |
Understanding ROI is critical. Starting salary data from Kadamb alumni (2020-2026):
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