Cost Of Living In The UK For Indian Students (2025)

If you’re planning to study in the UK in 2025, understanding the cost of living is essential for managing your finances effectively.

The UK is home to some of the world’s most prestigious universities, but living expenses can vary significantly depending on the city, lifestyle, and accommodation choices. 

On average, you can expect to spend between £1,700 and £1,800 (INR 1,88,000–200,000) per month, covering essentials like rent, food, transport, and other daily expenses. This guide breaks down all you need to know about the cost of living in the UK.

Cost Breakdown: Understanding Your Monthly Expenses

Managing your monthly expenses effectively is key to maintaining financial stability while studying in the UK.

Understanding the typical costs for accommodation, food, transport, and other essentials will help you plan your budget and avoid unnecessary stress.

1. Accommodation Costs

Finding a place to live will be one of your biggest expenses in the UK. Your choice between university accommodation and private housing will significantly affect your budget.

Type of Residence	London (GBP)
University Residence	500-600 (INR 55,000 to INR 66,000)
Off-Campus Living	400-500 (INR 44,000 to INR 55,000)

If you’re studying in London, expect higher rents compared to cities like Cardiff or Liverpool. Most student accommodations include basic utilities like electricity, water, and Wi-Fi.

2. Transportation Costs

Getting around in the UK can be costly, but student discounts on public transport can help reduce expenses.

Buses and trains are the most popular modes of transport. If you live near campus, cycling or walking can be a great way to save money. Expect costs of around £50-£70 (INR 5,000 – INR 7,000).

3. Food and Grocery Expenses

Eating out frequently in the UK can be expensive, so many students opt for home-cooked meals to save money.

Expense	London (GBP)
Food (Dining Out)	300 – 700 (INR 33,000 – INR 77,000)
Groceries	100-200 (INR 11,000 – INR 22,000)

4. Entertainment

Monthly entertainment in the UK typically ranges from £20 to £50 (INR 2,200 to INR 5,500). This covers a variety of activities, such as streaming services, cinema trips, or small leisure pursuits.

Costs fluctuate based on individual preferences and chosen entertainment options. Budget-conscious individuals can find enjoyment within the lower end of this range.

5. Shopping & Clothes

Monthly shopping and clothing expenses in the UK generally fall between £50 and £110 (INR 5,500 to INR 12,100).

This range accommodates varying shopping habits, from budget-friendly purchases to moderate spending on apparel and other retail items. Individual needs and preferences significantly influence the final cost.

Most Affordable Cities in the UK for Indian Students

If you want to keep your costs low, identify the most expensive cities in the UK. While London is a dream destination for many, its high cost of living can strain your budget. Fortunately, several UK cities offer high-quality education with a much lower financial burden.

Here’s a look at some of the most affordable student cities:

City	Average Annual Cost (GBP)
Liverpool	19700-19800 (INR 22,00,000 to INR 22,20,000)
Newcastle	14800-14900 (INR 1,642,800 to INR 1,653,900)
Leeds	20000-20100 (INR 2,220,000 to 2,231,100)
Leicester	19800-19900 (INR 2,197,800 to INR 2,208,900)

Why Choose an Affordable City?

Liverpool and Newcastle stand out as some of the most pocket-friendly cities. If you choose to study in these cities, you can save significantly on rent, transport, and daily expenses while still experiencing a vibrant student life.

Cities like Leeds and Cardiff strike a balance between affordability and student-friendly amenities, offering a wide range of social activities, part-time job opportunities, and excellent public transport networks.

Bournemouth, Leicester, and Lincoln also provide reasonably priced accommodation and lower food expenses, making them great choices for Indian students on a budget.

When selecting a university, consider both tuition fees and living costs. A more affordable city can make your study abroad experience financially manageable without compromising on quality education or lifestyle.

How to Manage Your Expenses as an Indian Student in the UK?

Studying in the UK is an exciting experience, but managing expenses wisely is key to making your student life stress-free.

Here are some effective ways to reduce your financial burden while enjoying your time abroad.

1. Look for Scholarships

One of the best ways to ease financial pressure is by securing a scholarship. Many UK universities offer funding opportunities specifically for international students.

Some of the most prestigious ones include:

• Commonwealth Scholarships – Fully funded, covering tuition fees, living expenses, and return airfare.
• Chevening Scholarships – Covers tuition fees, accommodation, and travel costs.
• Felix Scholarships – Provides full financial support, including tuition fees, living expenses, and return flights.

Applying early and researching eligibility criteria can improve your chances of securing financial aid.

2. Take Advantage of Student Discounts

The UK offers numerous student discounts on travel, food, shopping, and entertainment. Sign up for TOTUM (NUS Extra) and UNiDAYS to access special deals on everyday expenses.

Many restaurants, cinemas, and retailers offer student discounts, so always carry your university ID.

3. Work Part-Time

International students can work up to 20 hours per week during term time and full-time during holidays. Retail, hospitality, and on-campus jobs are popular choices.

A part-time job can help cover daily expenses and build valuable work experience.

4. Plan Your Budget Wisely

Using budgeting apps like Monzo or Revolut can help track spending. Prioritise rent, food, and transport over non-essentials, and look for affordable alternatives when shopping.

5. Use Public Transport Smartly

A 16-25 Railcard gives you 30% off train fares, while student bus passes can make daily commuting much more affordable. Walking or cycling can also save money while keeping you fit.

Final Thoughts

The cost of living in the UK for Indian students in 2025 will depend on various factors, including your choice of city, accommodation, and lifestyle.

On average, you’ll need a budget of £1,700 and £1,800 (INR 1,88,000–200,000) to cover all your expenses.

While studying in the UK is a significant financial investment, careful budgeting, student discounts, and part-time work opportunities can help you manage costs effectively. 

Planning your finances before moving to the UK will ensure a smooth and stress-free student experience. Good luck with your studies!

FAQs

1. How much does it cost to live in the UK as an Indian student?

The average monthly cost in the UK ranges between £1,700 and £1,800 (INR 1,88,000–200,000), depending on your lifestyle and location. London is more expensive than other cities like Liverpool, Cardiff, or Newcastle.

2. What are the most affordable cities in the UK for students?

Liverpool and Newcastle are among the most affordable cities, followed by Lincoln, Leicester, and Cardiff.

3. Can I work part-time to cover my expenses?

Yes, international students can work up to 20 hours per week during term time and full-time during holidays to support their expenses.

4. How can I save money as a student in the UK?

You can save money by applying for scholarships, using student discounts, cooking at home, opting for budget-friendly accommodation, and using public transport with a 16-25 Railcard or student bus pass.