Master's in Germany
Your complete Master's roadmap — top English-taught universities by field, uni-assist admissions, the APS and blocked account, and the current student visa process.
Why a Master's in Germany?
No tuition fees, world-class universities, and an 18-month post-study visa.
Public universities charge zero tuition. Only a semester fee of €150–350 — covering student services, canteen, and often free local transport.
Save €40K+ vs UKHome to Siemens, BMW, SAP, Bosch, BASF. Germany is Europe's largest economy, most IT & engineering graduates find jobs before they even finish their degree.
Strongest job marketAfter graduating you can stay 18 months to find a job. Most students convert to EU Blue Card within 6 months. No lottery, no caps — just skill.
Clear path to PRExplore universities by field
150+ English-taught Master's programs across Germany's leading universities, filter by your field, see rankings, and compare public vs private.
The Cost Picture
Why Germany is one of the most affordable study destinations in the world — and where your monthly budget actually goes.
Total cost of a 2-year Master's
Tuition + living costs combined, converted to euros.
Approximate all-in estimates for an international Master's, 2026. Public German universities charge only a €150–350 semester fee.
Where your €934/month goes
A typical student monthly budget (roughly what the blocked account releases each month).
Indicative split, rent varies most by city (Munich highest, eastern cities lowest).
Don't underestimate health insurance
MandatoryYou cannot enrol at a German university — or get your visa — without proof of health insurance. Most Indian students take public insurance (GKV — TK, AOK or Barmer) at the flat student rate of about €125/month. Sort it before you arrive so there is never a gap in cover.
🗺️ Your Journey to Germany — 7 steps
Tap the step you're on to see its timing and exactly what to do next. Progress saves in your browser.
Tap any step above to track your progress — it saves in your browser.
Guides & Tools
Helpful resources built specifically for Indian students in Germany.
SOP Writing Guide
Structure, format rules, tips, and a full paragraph-by-paragraph template for German university SOPs.
German CV & ATS Guide
Write a Lebenslauf that German employers actually want, photo, format, ATS rules, and common Indian mistakes.
CV Builder Tool
Build your Lebenslauf or ATS CV online and download as a Word file or print to PDF instantly.
Blocked Account Calculator
Calculate exactly how much you need and compare Expatrio, Fintiba, and Coracle on fees and timelines.
Health Insurance Comparison
Compare TK, AOK, Barmer, and private insurers side by side — English support, coverage, monthly cost.
Scholarships Guide
DAAD, Studienstiftung, Deutschlandstipendium and 12+ more, filterable by field and language requirement.
The seven steps, in order
Each step gates the next, start the APS the day you decide.
Step-by-step detail
Mandatory for Indian students. Apply at aps-india.de (~₹18,000). Takes 6–10 weeks — this is the first gate, so start immediately.
Apply (uni-assist or direct) and obtain your admission letter (Zulassung). Winter-semester deadlines are typically 15 July.
Deposit €11,904 (released ~€992/month). Allow 4–6 weeks for the Sperrbestätigung confirmation letter.
Get travel health insurance valid from your departure date; you switch to German public (GKV) student insurance after you enrol.
Create your application at digital.diplo.de, fill the national (Type D) visa form and upload your documents before booking the appointment.
Bring two identical A4 document sets plus the originals. The national visa fee is about €75. Slots are limited, book early.
Decisions usually take 6–8 weeks. On arrival, register your address (Anmeldung) within 14 days and convert your visa to a residence permit at the Ausländerbehörde.
Apply via the German Mission in India ↗. Figures current for 2026.
Student Applicant Visa
For students who have received a conditional admission letter and need to finalize enrollment
Required Documents
- Valid passport (min. 6 months beyond intended stay)
- Completed visa application form
- Biometric passport photos
- Conditional university admission letter (Zulassung)
- Proof of financial resources (Blocked Account with €11,904/year or equivalent)
- Health insurance valid in Germany
- Language proficiency certificate (German B2/C1 or English equivalent)
- Academic certificates & transcripts
- APS certificate (mandatory for Indian students since November 2022)
- Visa fee: €75
⚠️ After arrival, convert to full Student Residence Permit at the Ausländerbehörde.
Student Visa (full)
Main student visa for enrolled students
Required Documents
- University enrollment confirmation (Immatrikulationsbescheinigung)
- Blocked account proof (€11,904 minimum)
- Health insurance (public or recognized private)
- Valid passport
- Rental agreement or accommodation proof
- APS certificate
- Visa fee: €75 (then €100+ for residence permit extension)
⚠️ Must register at the Einwohnermeldeamt (local registration office) within 2 weeks of moving in.
Work Rights as a Student
20 hours/week, or 140 full days / 280 half days per year (rule eased March 2024). Full-time during semester breaks.
A Sperrkonto proves you have funds to cover living costs during your studies. You must deposit the full annual amount before submitting your student visa application, the embassy will not accept partial deposits.
Open Calculator →What is a Blocked Account (Sperrkonto)?
A blocked account (Sperrkonto) proves you have sufficient funds to support yourself without working. Required by German embassies for student visa.
Blocked Account Providers
Expatrio
€89 setupMost popular, fast setup, health insurance bundle available
Fintiba
€89 setupUser-friendly, popular choice
Deutsche Bank
€30 opening feeTraditional bank option, longer process
Coracle
€39 setupLower fees, newer provider
How to Open a Blocked Account — Step by Step
Expatrio, Fintiba, and Coracle are the main options. All are accepted by German embassies. Differences are mainly in setup fees and processing speed.
Deposit €11,904 from your Indian bank account via international wire transfer (SWIFT). Account opens in 3–7 business days after funds clear.
The provider emails a PDF confirmation letter (Sperrkonto-Bescheinigung). This is what you submit with your student visa application.
Include the letter in your visa packet. The embassy confirms the funds are locked.
After arriving and registering at the Einwohnermeldeamt, activate your account. €992/month is released to your German bank account.
Students under 30 qualify for subsidised public health insurance (GKV) at ~€123/month. You must enrol within 3 months of university registration or you'll be locked into expensive private insurance.
Compare Insurance →Public Health Insurance, Top Providers
From €120/month. Mandatory for students under 30 at public universities. AOK, TK, Barmer are popular.
Best English support. Most recommended for internationals.
Large nationwide network. Good app and digital services.
Regional provider — strong in smaller cities and towns.
Good digital services. Competitive for international students.
Company-linked funds, some offer competitive rates.
Mandatory for all Indian students since November 2022. The APS certificate is the first step, you cannot apply for a student visa without it. Apply at least 8 weeks before your embassy appointment.
APS India ↗What is APS?
APS stands for Akademische Prüfstelle (Academic Evaluation Centre). Indian students must obtain an APS certificate before applying for a German student visa. The APS verifies your academic credentials.
APS Required Documents
- Completed APS application form
- Valid Indian passport
- All academic marksheets (10th, 12th, Bachelor degree)
- Degree certificate (if completed)
- Photograph
- APS fee payment receipt
- Proof of German language skills (if applying for German-taught programs)
APS Interview
After document verification, you may be called for an interview (online or in-person). The interviewer checks the authenticity of your certificates and your academic background. The interview is usually in English.
Applications & Admissions
Blocked Account (Sperrkonto)
Health Insurance
Apply for APS certificate at the German Embassy (4–8 weeks processing)
APS India →Take English proficiency test — IELTS ≥ 6.5 or TOEFL ≥ 90 (check your university's requirement)
Apply to universities via uni-assist.de or the university's own portal
uni-assist →Receive and formally accept your admission letter (Zulassung)
Open a blocked account (Sperrkonto), minimum €11,904
Calculator →Get health insurance certificate (TK, AOK, Barmer) — required for visa
Compare insurers →Book visa appointment at German Embassy / VFS Global
VFS Global →Attend visa interview and submit all documents
Book your flight tickets
Arrange temporary accommodation for the first 1–2 weeks (hostel, friend, AirBnB)
Get €200–300 in Euro cash — Germany is heavily cash-based
Notify your Indian bank to enable international transactions
Download apps: DB Navigator (trains), Google Maps offline Germany
Scan all documents to cloud: passport, visa, admission letter, APS certificate
Buy a universal power adapter (Germany uses Type F / Schuko, 230V)
Check your city's public transport network (U-Bahn, S-Bahn, tram routes)
Register your address at Einwohnermeldeamt (Anmeldung), need passport, rental contract, Wohnungsgeberbestätigung
Get a German prepaid SIM card — Congstar, Aldi Talk, or Lebara (buy at Rewe / Edeka / mobile shop)
Open a German bank account, N26 (online, quickest) or Sparkasse (branch, needs Anmeldung first)
N26 →Activate health insurance with your Krankenkasse (hand in the Mitgliedsbescheinigung)
Compare student insurers →Enroll at your university (Immatrikulation) and get your student ID card
Buy a Deutschlandticket (€63/month) for unlimited regional public transport
DB →Book Ausländerbehörde appointment to convert student visa → residence permit
Wait for Steuer-ID (Tax ID) to arrive by post — ~2–3 weeks after Anmeldung
Set up home internet (Telekom, Vodafone, 1&1, takes 1–2 weeks to activate)
Register at the university library and student sports centre (Hochschulsport)
Find a Hausarzt (GP) near you and register as a new patient
Join your university's Indian Student Association (ISA)
Confirm blocked account monthly releases have started (€992/month)
Check BAföG eligibility (limited for international students, possible in some states)
BAföG info →Start German language learning — VHS (affordable), Duolingo, or DW (free)
DW Learn German →Explore Werkstudent (part-time) jobs, max 20 hrs/week during semester
Check if you can file a tax return for previous income (even a small refund is likely)
Tax guide →Look into scholarships: Deutschlandstipendium at your university, DAAD grants
Scholarships →Your progress is saved in your browser. It will persist across sessions on this device.