Guide to Study Abroad in New Zealand for Indian Students: Living Costs, Food, Culture & Advice

Global Ed

July 25, 2025

Over the past few years, more and more Indian students have started picking New Zealand as their study abroad destination. And it’s simple to understand why.

The country offers nearly everything a student could possibly need to succeed: high-quality education, affordable cost, attractive scholarships, career opportunities, and that relaxed lifestyle many of us crave.

According to official reports, India ranks as the second-largest source country for international students in New Zealand. There were almost 7,930 Indian student enrolments in 2023 alone.

Even though the idea sounds exciting, it’s not as easy as you might think. Studying in New Zealand from India involves tuition fees and living expenses, cultural adjustments, and a whole lot of planning. What’s the process? What’s the real cost? Is the lifestyle manageable? You’ll have a whole lot of questions.

Why Choose New Zealand?

Here are some practical reasons why Indian students are choosing New Zealand for overseas education:

More Lenient Entry Requirements

Let’s be honest for a second. Getting admission to a reputed foreign university is pretty tough. But New Zealand stands as an attractive choice with a student-friendly admission system.

The majority of universities accept an overall IELTS score of 6.0 for undergraduate and 6.5 for postgraduate level. And several institutions are open to students with mediocre academic records, provided you can demonstrate good motivation or relevant work experience.

This makes New Zealand much more accessible for Indian students who may find the entry bar too high in countries like the U.S. or the U.K.

Lower Tuition Fees

Compared to Australia, the US, or the UK, New Zealand offers more affordable tuition fees and lower living expenses. For example, average tuition fees for international students range from NZ$35,000 to NZ$55,000 per year. That’s way less than similar programs in other major study destinations.

And daily expenses such as food, transport, and accommodation are more affordable, especially outside of major cities like Auckland.

Work While Studying

As per the official source, New Zealand allows international students to work a maximum of 20 hours a week during the semester and full-time in holidays. You can cover a major part of your living costs with that.

Post-Study Work Visa

Apart from other countries that make you leave immediately after graduating, New Zealand allows you time to settle and find employment.

If you finish a degree that’s Level 7 or higher (such as a Bachelor’s or Master’s), you could be eligible for a Post-Study Work Visa of up to 3 years.

And guess what? The job market is pretty promising. New Zealand has a skills shortage in fields like IT, healthcare, construction, engineering, agriculture, and education. If you’re studying in any of these areas, your chances of landing a job (and a longer stay) go up significantly.

Top Universities

Here’s something mind-blowing: New Zealand has only eight universities! All of them are government-funded and are ranked in the global top 500 (according to QS World University Rankings 2026). That means you don’t have to sift through hundreds of colleges trying to determine which ones are real.

Cost of Studying in New Zealand for Indian Students

To get started with your study abroad process, first of all, you need a clear idea of how much it costs. Let’s break it down:

Tuition Fee

Check out a quick overview of study abroad in New Zealand for Indian students‘ fees:

Level	Average Annual Fee (NZD)
Undergraduate	$35,000 – $55,000
Postgraduate	$20,000 – $45,000
PhD (International)	$6,500 to $7,500

Accommodation Costs

Have a look at the three most common types of student housing in New Zealand and what they cost:

Halls of Residence (On-Campus)

Cost: NZD 300–450 per week

These are dorms that are run by the university and intended primarily for first-year international students. Usually, they are completely furnished. Everything is provided, including meals, internet, electricity, and laundry. It’s easy to settle and befriend during the first year.

Shared Flats (Off-Campus)

Cost: NZD 150–250 per week (per person)

This is one of the most popular options among Indian students, particularly from the second semester onwards. You and your roommates split the rent, utilities, internet, and occasionally the cost of groceries.

It is appropriate for students who want to save money and are at ease living independently.

Homestay with Local Families

Cost: NZD 250–350 per week

Homestays involve living with a Kiwi family in their home. They typically include meals, a private room, and basic household facilities. For younger students, it’s more comfortable and safe. However, you will have to give up privacy.

Daily Living Expenses

Aside from rent and tuition, you’ll need to manage food, transport, health insurance, entertainment, and other basic needs. Here’s what an average student budget might look like per month:

Expense	Average Monthly Cost (NZD)
Food	$320 – $480
Power	$200 – $300
Entertainment	$200
Transport	$150
Internet	$40 – $60

So, the overall costs look like this:

Expense Category	Average Annual Cost (NZD)
Tuition Fees	$30,000 – 40,000
Accommodation	$12,000 – 17,000
Living Expenses	$15,000 – 19,000
Total Annual Estimate	$57,000 – 76,000

Food And Lifestyle in New Zealand

The best part about New Zealand is its diversity. You can find a variety of global and local cuisines easily. Vegetarian, vegan, halal, and all options are easily accessible. Supermarkets like Countdown and New World stock an extensive range of global food items.

Indeed, all of the major cities, including Auckland, Wellington, and Christchurch, have Indian restaurants and grocery stores. Your favourite pulav, roti, dosa, biriyani, etc., will always be there.

Indian students often follow home cooking. Many share kitchens in halls or flats and prepare meals together to cut down on expenses.

The way of life is pretty laid-back and outdoorsy. People prefer a balanced life. You may see students hiking or just enjoying a coffee by the beach on weekends. And not to mention, New Zealand is one of the safest countries in the world.

The pace of life is slower compared to Indian cities, which might feel odd at first. But it’s great for mental health.

A Quick Peek into New Zealand’s Culture

New Zealand’s culture feels quite unique compared to other English-speaking countries. Take a look at its main features:

● Casual Environment: Don’t be surprised if your lecturer tells you to call them by their first name. It’s normal there. Everyone’s friendly, but still respectful.

● Punctuality Matters: Time is taken pretty seriously. Being late for class, group meetings, or part-time work is not acceptable. It is frequently interpreted as negligence.

● Diverse and Inclusive Atmosphere: Campuses have a very diverse and inclusive atmosphere. You’ll meet students from China, Fiji, South Korea, and yes, lots of fellow Indians too.

● Māori Culture: Māori traditions are still a part of everyday life in New Zealand. You can expect to hear greetings like Kia ora and see Māori ceremonies at university events. It adds depth to your cultural experience.

● Work-Life Balance: New Zealanders believe in balance. There is no toxic hustle. Most people spend their weekends hiking, BBQing, relaxing, or simply spending time with family. Stores close early, and no one expects you to work around the clock.

Feeling it’s difficult to adapt? Many universities offer strong mental wellness services, including free counselling and stress management workshops, to help students with cultural adjustment.

5 Practical Tips For Indian Students

Getting admission to a top university in New Zealand is just the tip of the iceberg. You need solid planning for the transition. Have a look at some practical tips:

1. Pre-Departure Preparation

Start your pre-departure preparations right from the moment you get the Offer of Place, because you have to handle a whole lot of important things like:

Student Visa Requirements

Submit your visa application at least 10–12 weeks prior to your intake. Check out the document requirements to study in New Zealand for international students:

Proof of tuition fee payment
Financial proof of NZD 20,000/year for living expenses
Police clearance certificate (PCC)
Medical examination results (Chest X-ray for TB screening, blood and urine tests for general health clearance) from an approved panel physician

You also need full travel and medical insurance valid throughout your stay. Some universities provide insurance (like Studentsafe). You can also opt for third-party providers.

Processing time varies between 20–40 working days. It may get longer during peak seasons (May-August).

Currency Exchange and Banking Setup

You must have at least NZD 2,000 cash on arrival. Then, arrange wire transfers or forex cards for higher amounts. Certain Indian banks (such as HDFC, and ICICI) permit international student accounts with NZD debit cards.

What to Pack

NZ’s weather is unpredictable. You must pack layers for all seasons, particularly rain jackets and thermals. And don’t forget to bring adapter plugs. New Zealand has Type I sockets.

2. First 2 Weeks in New Zealand: What to Do and Where to Go

The first few days would be challenging: new place, new folks, new regulations. But here’s a quick checklist to sort you out:

Airport Pickup and Temporary Accommodation: Most NZ universities provide airport pickup if arranged in advance. If that’s not available, you can book a shuttle service through Supershuttle. And you can arrange temporary accommodation in university hostels or a cheap Airbnb for almost two weeks until you settle for a long-term stay.
Open a Bank Account: Local banks require proof of ID, a visa, an address (temporary or permanent), and an admission letter. ANZ and ASB offer student-friendly savings accounts with no monthly fees.
Apply for IRD Number: If you intend to work part-time, you must have your IRD (Inland Revenue Department) number. You can apply for it online. Typically, processing takes up to two weeks.
Mobile SIM and Internet Setup: Spark, Skinny, and 2degrees are the common providers. Starter packs with 10–20 GB of data cost just NZD 20. Just make sure that you select service providers that are well-received in your city.
Get Familiar With Transport: Most New Zealand cities have good public transport connections, but could be pretty costly. You can obtain a student transport card (such as an AT HOP card in Auckland) for subsidized fares.

3. Search for Better Accommodation Options

You don’t have to confine yourself to the first accommodation facility. New Zealand has plenty of options to choose from, be it for convenience, cost savings, freedom, or any other reasons. Have a look at some tips for your house search:

Don’t depend solely on Google. You must always refer student-focused forums and portals for verified listings. You can also seek recommendations from senior Indian students who are already residing in New Zealand; they frequently know someone who is moving out. If lucky, you can even get shared apartments with your natives.
The rental terms differ a lot from India. Water and electricity are often not included in the rent. So, keep a close eye on the contents of the rent prior to signing. Never pay an amount without a rental agreement. And remember, a lot of landlords are willing to combine electricity and internet at a set price.
A slightly smaller room close to campus is far more cost-effective than a large flat that requires daily transportation. It can save you 30-50 NZD and your valuable time for part-time work.

4. Scholarships and Financial Aid Opportunities

Many scholarships are available for those concerned about the study abroad in New Zealand for Indian students fees. Here are some of them:

Scholarship Name	Benefit	Eligibility
New Zealand Excellence Awards (NZEA)	NZD $10,000–$20,000 towards tuition fees	Strong academic record and an offer letter from a participating university in New Zealand
University of Auckland India High Achievers Scholarship	Up to NZD $20,000 for tuition (1 year, undergrad or postgrad)	Full-time offer in eligible degree programs
University of Otago International Master’s Research Scholarship	Stipend NZD $18,204/year + partial tuition waiver	International students enrolling in a research master’s program
Vice Chancellor’s International Excellence Scholarship for India	Up to NZD$15,000 towards tuition fees	Get admission to the University of Waikato with a minimum GPA equivalent of B+

5. Utilize Career Services

Most Indian students wait until their final semester to think about jobs. It’s too late in New Zealand. Here are some things that you can do early on to secure a career in New Zealand:

First of all, try to acquire a part-time job that matches the course you study because employers often prefer local experience. And many part-time positions have the potential to lead to full-time offers or provide useful NZ work references.
Join LinkedIn groups for New Zealand alumni of your university; they frequently share job openings.
Reputed New Zealand universities like Victoria University of Wellington and the University of Auckland offer mock interviews, internship matching programs, and CV building workshops to help you start a career in the country. But you need to sign up early.
Sign up for internships and graduate-level positions through the NZUni Talent portal.

Frequently Asked Questions (FAQs)

1. Do I need IELTS for a New Zealand student visa?

Yes, in general. You’ll have to demonstrate English language competence via IELTS, TOEFL, or PTE Academic.

2. Can I bring my spouse or children while studying in New Zealand?

Yes, postgraduate students are eligible to bring dependents. Your partner can even acquire a work visa in some cases.

3. Will I be refunded if my visa is declined?

Most universities also refund tuition fees (less admin fees) if your visa application fails. Just make sure to read their refund policy very carefully.

4. Do I have to bring a hard copy of every one of my documents to the airport?

Yes! Always have hard copies of your visa, offer letter, insurance, and accommodation information with you upon arrival.

Conclusion

Most students who wish to study abroad in New Zealand usually believe that receiving an offer letter is the final hurdle. In fact, that’s just the beginning. You need the right support system to proceed through various stages.

That’s exactly what we provide at TC Global (The Chopras)! Our experts will be in close touch with you, right from finding the right university to getting the visa approved. Get in touch with us now for an easy transition!

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You shall defend, indemnify, and hold harmless TC Global, its affiliates and each of its and its affiliates' employees, contractors, directors, suppliers and representatives from all losses, costs, actions, claims, damages, expenses (including reasonable legal costs) or liabilities, that arise from or relate to your use or misuse of, or access to, the Site, Service, Content or otherwise from your User Submissions, violation of these Terms of Use, or infringement by you, or any third party using the your account, of any intellectual property or other right of any person or entity (save to the extent that a court of competent jurisdiction holds that such claim arose due to an act or omission of TC Global). TC Global reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with TC Global in asserting any available defenses.

Limitation of Liability

ALL LIABILITY OF TC GLOBAL, ITS AFFILIATES, DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, PARTNERS, SUPPLIERS OR CONTENT PROVIDERS HOWSOEVER ARISING FOR ANY LOSS SUFFERED AS A RESULT OF YOUR USE OF THE SITE, SERVICE, CONTENT OR USER SUBMISSIONS IS EXPRESSLY EXCLUDED TO THE FULLEST EXTENT PERMITTED BY LAW, SAVE THAT, IF A COURT OF COMPETENT JURISDICTION DETERMINES THAT LIABILITY OF TC GLOBAL, ITS DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, PARTNERS, SUPPLIERS OR CONTENT PROVIDERS (AS APPLICABLE) HAS ARISEN, THE TOTAL OF SUCH LIABILITY SHALL BE LIMITED IN AGGREGATE TO THE VALUE OF TC GLOBAL'S SERVICES AVAILED BY THE USER FOR 12 MONTHS PRIOR TO THE INITIATION OF A CLAIM.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL TC GLOBAL, NOR ITS DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, PARTNERS, SUPPLIERS OR CONTENT PROVIDERS, BE LIABLE UNDER CONTRACT, TORT, STRICT LIABILITY, NEGLIGENCE OR ANY OTHER LEGAL OR EQUITABLE THEORY OR OTHERWISE (AND WHETHER OR NOT TC GLOBAL, ITS DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, PARTNERS, SUPPLIERS OR CONTENT PROVIDERS HAD PRIOR KNOWLEDGE OF THE CIRCUMSTANCES GIVING RISE TO SUCH LOSS OR DAMAGE) WITH RESPECT TO THE SITE, SERVICE, CONTENT OR USER SUBMISSIONS FOR:

INDIRECT OR CONSEQUENTIAL LOSSES OR DAMAGES;
LOSS OF ACTUAL OR ANTICIPATED PROFITS;
LOSS OF REVENUE;
LOSS OF GOODWILL;
LOSS OF DATA;
LOSS OF ANTICIPATED SAVINGS;
WASTED EXPENDITURE; OR
COST OF PROCUREMENT OF SUBSTITUE GOODS OR SERVICES.

NOTHING IN THESE TERMS OF USE SHALL BE DEEMED TO EXCLUDE OR LIMIT YOUR LIABILITY IN RESPECT OF ANY INDEMNITY GIVEN BY YOU UNDER THESE TERMS OF USE. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN SUCH CASES, TC GLOBAL'S LIABILITY WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.

Governing Law

A printed version of these Terms of Use and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these Terms of Use to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. You and TC Global agree that any cause of action arising out of or related to the Service must commence within one (1) year after the cause of action arose; otherwise, such cause of action is permanently barred.

Terms of Use and all other policies available on this Service shall be interpreted and construed in accordance with the laws of India. Any dispute arising out of or in connection with these Terms of Use and/ or other policies available on this App, including any question regarding its existence, validity or termination, shall be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre ("SIAC") in accordance with the Arbitration Rules of the Singapore International Arbitration Centre ("SIAC Rules") for the time being in force, which rules are deemed to be incorporated by reference in this clause. The Tribunal shall consist of 3 arbitrators. The seat and venue of Arbitration shall be Singapore and the language of proceedings shall be English. Subject to the foregoing, the Courts of Singapore shall have exclusive jurisdiction over any disputes relating to the subject matter, herein.

Notwithstanding the foregoing, if a dispute arises with respect to the validity, scope, enforceability, inventorship, ownership, infringement, breach or unauthorised use of any patent, trademark, copyright or other intellectual property right or any non-proprietary data owned and/or controlled by TC Global, whether or not arising from the Terms of Use, such dispute (at the option of TC Global) shall not be submitted to arbitration and instead, TC Global shall be free to initiate litigation, including but not limited to a claim for interim injunctive relief, in a court of competent jurisdiction, in any country or other jurisdiction in which such rights apply.

Integration and Severability

These Terms of Use are the entire agreement between you and TC Global with respect to the Service and use of the Site, Service, Content or User Submissions, and supersede all prior or contemporaneous communications and proposals (whether oral, written or electronic) between you and TC Global with respect to the Site. If any provision of these Terms of Use is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms of Use will otherwise remain in full force and effect and enforceable. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder. Waiver of compliance in any particular instance does not mean that we will waive compliance in the future. In order for any waiver of compliance with these Terms of Use to be binding, TC Global must provide you with written notice of such waiver through one of its authorized representatives.

Modification of Terms of Use

TC Global reserves the right, at its sole discretion, to modify or replace any of these Terms of Use, or change, suspend, or discontinue the Service (including without limitation, the availability of any feature, database, or content) at any time by posting a notice on the Site or by sending you notice through the Service or via email. TC Global may also impose limits on certain features and services or restrict your access to parts or all of the Service without notice or liability. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the Service following the posting of any changes to these Terms of Use constitutes acceptance of those changes. You shall also be notified of any modifications to these Terms of Use as and when effected or at least once a year.

Other Provisions

Claims of Copyright or Trademark Infringement

Claims of copyright or trademark infringement should be sent to TC Global's designated agent. If you believe that someone is infringing your copyright or trademark rights on the Site, you can report it to us by contacting our designated agent at hello@thechoprasglobal.com with a report containing the following information:

your complete contact information (name, mailing address and phone number),
a detailed description of the Content that you claim infringes your copyright or trademark along with details on how it infringes upon your copyright or trademark,
the web address (URL) of the infringing content,
a declaration that you are filing this report in good faith and that all the information provided is accurate and that you are the owner of the copyright and/or trademark in question.

Please attach your digital signature or physical signature to the report.

Within 36 hours of receiving this notice with the above mentioned details, we will take down the allegedly infringing material from public view while we assess the issues identified in your notice.

On completion of the take-down procedure above:

If the complainant is successful in obtaining an order of injunction from a court of competent jurisdiction within 21 days from filing the complaint, the material will be permanently removed from TC Global's Site and database upon TC Global being provided with a copy of such order;
If the complainant is not successful in obtaining an order of injunction from a court of competent jurisdiction within 21 days from receiving notice from the complainant, the material will be made available for public view once again.

Before you submit a report of infringement, you may want to send a message to the person who posted the Content. You may be able to resolve the issue without contacting TC Global. Please remember, only the copyright/trademark owner or their authorized representative may file a report of infringement. If you believe something on the Site infringes someone else's copyright/trademark, you may want to let the rights owner know.

Notice

TC Global may give notice by means of a general notice on the Site / Service, notification within the mobile application on your account, electronic mail to your email address in your account, or by written communication sent to your address as set forth in your account. You may give notice to TC Global by written communication to TC Global's email address at hello@tcglobal.com or physical address at No. 3, Shenton Way, #10-05/06, Shenton House, Singapore, 068805.

General

You may not assign or transfer these Terms of Use in whole or in part without TC Global's prior written approval. You hereby give your approval to TC Global for it to assign or transfer these Terms in whole or in part, including to: (i) a subsidiary or affiliate; (ii) an acquirer of TC Global's equity, business or assets; or (iii) a successor by merger. No joint venture, partnership, employment or agency relationship exists between you, TC Global or any Third Party Provider as a result of the contract between you and TC Global or use of the Services.

If any provision of these Terms is held to be illegal, invalid or unenforceable, in whole or in part, under any law, such provision or part thereof shall to that extent be deemed not to form part of these Terms but the legality, validity and enforceability of the other provisions in these Terms shall not be affected. In that event, the parties shall replace the illegal, invalid or unenforceable provision or part thereof with a provision or part thereof that is legal, valid and enforceable and that has, to the greatest extent possible, a similar effect as the illegal, invalid or unenforceable provision or part thereof, given the contents and purpose of these Terms. These Terms constitute the entire agreement and understanding of the parties with respect to its subject matter and replaces and supersedes all prior or contemporaneous agreements or undertakings regarding such subject matter. In these Terms, the words "including" and "include" mean "including, but not limited to."

Miscellaneous

TC Global shall not be liable for any failure to perform its obligations hereunder where such failure results from any cause beyond TC Global's reasonable control, including, without limitation, mechanical, electronic or communications failure or degradation (including "line-noise" interference). These Terms of Use are personal to you, and are not assignable, transferable or sublicensable by you except with TC Global's prior written consent. TC Global may assign, transfer or delegate any of its rights and obligations hereunder without consent. No agency, partnership, joint venture, or employment relationship is created as a result of these Terms of Use and neither party has any authority of any kind to bind the other in any respect.

Unless otherwise specified in these Term of Use, all notices under these Terms of Use will be in writing and will be deemed to have been duly given when received, if personally delivered or sent by certified or registered mail, return receipt requested; when receipt is electronically confirmed, if transmitted by facsimile or e-mail; or the day after it is sent, if sent for next day delivery by recognized overnight delivery service.

I authorise TC Global & its representatives to contact me with updates and notifications via Email/SMS/What'sApp/Call. This will override DND/NDNC.

Contact

You may contact us at the following address:

The Chopras Global Holdings PTE Ltd

192 Waterloo Street, #04-03, Skyline Building, Singapore 187966

Our grievance / nodal officer may be contacted at:

The Chopras Global Holdings PTE Ltd

192 Waterloo Street,

Skyline Building,

#04-03,

Singapore - 187966

Guide to Study Abroad in New Zealand for Indian Students: Living Costs, Food, Culture & Advice

July 25, 2025

Why Choose New Zealand?

More Lenient Entry Requirements

Lower Tuition Fees

Work While Studying

Post-Study Work Visa

Top Universities

Cost of Studying in New Zealand for Indian Students

Tuition Fee

Accommodation Costs

Halls of Residence (On-Campus)

Shared Flats (Off-Campus)

Homestay with Local Families

Daily Living Expenses

Food And Lifestyle in New Zealand

A Quick Peek into New Zealand’s Culture

5 Practical Tips For Indian Students

1. Pre-Departure Preparation

Student Visa Requirements

Currency Exchange and Banking Setup

What to Pack

2. First 2 Weeks in New Zealand: What to Do and Where to Go

3. Search for Better Accommodation Options

4. Scholarships and Financial Aid Opportunities

5. Utilize Career Services

Frequently Asked Questions (FAQs)

1. Do I need IELTS for a New Zealand student visa?

2. Can I bring my spouse or children while studying in New Zealand?

3. Will I be refunded if my visa is declined?

4. Do I have to bring a hard copy of every one of my documents to the airport?

Conclusion

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