Cost of Studying in France for Indian Students in 2026/27

  • Last Updated on: July 24, 2026 by
  • Swapna Kanchikacherla
Cost of Studying in France for Indian Students
Cost of Studying in France for Indian Students

For 2026-27, a public master’s in France carries a differentiated registration fee of EUR 3,950 a year for eligible non-EU students (about INR 4.35 lakh), per Campus France’s Tuition fees in France schedule, and living adds another INR 8-10 lakh. So the honest cost of studying in France for Indian students works out to roughly INR 12-16 lakh a year at a public university, and INR 25 lakh-plus at a private business school. If you have read that France is “almost free,” that figure is out of date for you: as an Indian student you normally fall under differentiated fees unless you qualify for a statutory, scholarship or institution-granted exemption, and several 2026 reforms have quietly changed the maths. This guide prioritises current official 2026/27 figures and clearly labels illustrative planning estimates, so your budget, visa file, and loan planning start from the right base. Here is what actually leaves your account, layer by layer.

Written by
Swapna Kanchikacherla
Head of European Desk
Specialises in Germany and France student admissions and visa documentation, with a focus on Campus France, APS, blocked-account and proof-of-funds files.
9 Years, 1100 Visas
Reviewed by
Sridhar Kongara
Managing Director
Mr. Kongara Sridhar, Director of AOEC India, has over 12 years of experience in overseas education consulting, admissions, and student visa guidance.
Over 12 years Experience

Key Takeaways

  • A public university year costs about INR 12-16 lakh all-in for 2026/27; a private business school can exceed INR 25 lakh.
  • Public tuition is differentiated for non-EU students: about EUR 2,902 for a licence and EUR 3,950 for a master’s. The near-zero national rates (about EUR 178 licence, EUR 255 master) apply to EU/EEA/Swiss and exempt students, not to you unless you qualify for a statutory exemption or receive an institutional or scholarship-based exemption.
  • One-off charges: EEF INR 18,500 (announced to rise to INR 20,000 from 1 August 2026, verify at payment), CVEC EUR 105, the ~EUR 50 long-stay student visa consular fee, the VFS service fee (~EUR 32), and VLS-TS validation EUR 150 after you arrive.
  • From 1 August 2026, proof of funds is one year of tuition plus about EUR 877.50/month (47% of the SMIC) for 12 months, roughly INR 11.6 lakh; applications before that date use EUR 615/month.
  • From 1 July 2026, most non-scholarship students from outside the EU can no longer claim APL housing aid, so do not budget for it unless you are working, on an apprenticeship contract, or otherwise exempt.
  • Part-time work (964 hours/year, about 18.5 hours a week) can offset part of your living budget but should not be counted on for rent or proof of funds.
Table of Contents
How much does it cost to study in France in 2026? The honest total Scroll here ↓ What does the 2026 differentiated-fee reform mean for public tuition? Scroll here ↓ What do private schools and Grandes Ecoles cost? Scroll here ↓ What application, enrolment and post-arrival charges do you pay? Scroll here ↓ What does it cost to live in France, city by city? Scroll here ↓ Proof of funds: the number that decides your visa Scroll here ↓ Your realistic first-year budget: three student profiles Scroll here ↓ Scholarships that cut the bill (and what they don’t cover) Scroll here ↓ Can part-time work cover your costs? The honest maths Scroll here ↓ How to bring your France cost down: a decision framework Scroll here ↓ Is France cheaper than Germany, the UK and Canada? Scroll here ↓ Frequently Asked Questions Scroll here ↓

How much does it cost to study in France in 2026? The honest total

A public-university year in France costs an Indian student about INR 12-16 lakh in 2026/27, built from roughly EUR 4,000 in differentiated tuition plus Campus France's estimated EUR 600-800 a month (INR 66,000-88,000) for food, transport, and housing outside Paris. A private business school lifts that total past INR 25 lakh, driven almost entirely by tuition.

Let’s turn that into the studying in France cost in rupees you can actually take to a loan officer. The total splits into three buckets: tuition (the number that swings most by institution type), living costs (the number that swings most by city), and one-off fees you pay once around enrolment and visa filing. The table below shows year-one totals by institution type so you can see the range at a glance before we break each layer down. If you are weighing France against other destinations, our study in France guide sets out the wider admissions and visa picture alongside cost.

Institution typeTuition (year 1)Living (12 months)Indicative year-1 total
Public university (master’s)~EUR 3,950 differentiated (INR 4.35 lakh)EUR 7,200-9,600 (INR 7.9-10.6 lakh)INR 12-16 lakh
Public university (licence)~EUR 2,902 differentiated (INR 3.20 lakh)EUR 7,200-9,600 (INR 7.9-10.6 lakh)INR 11-15 lakh
Private business or specialist schoolSeveral times higherEUR 7,200-11,000+ (INR 7.9-12 lakh)INR 25-55 lakh

The public-university total is low for a Western European degree, and that is the real draw. The trade-off is not price but process. Your application runs through Campus France (the official government agency that manages Indian applications), and once in France you validate your long-stay visa online, dealing with the local prefecture (the state office that issues residence documents) mainly when you renew or move to a later residence card. The process is slower and more paperwork-heavy than the UK, so budget the extra weeks, not just the euros.

What does the 2026 differentiated-fee reform mean for public tuition?

For 2026-27, a public bachelor's (licence) carries a differentiated registration fee of EUR 2,902 a year (about INR 3.20 lakh) for eligible non-EU students, per Universite Claude Bernard Lyon 1's differentiated-fees schedule. This is the "frais differencies" or differentiated rate, the higher band non-EU students pay by default. It is the rule, not the exception, so plan around it.

Here is where most online guides mislead you. You’ll still read that French public tuition is “almost free” at around EUR 255 a year. Those national rates (about EUR 178 for a licence and EUR 255 for a master) are real, but they are paid by EU/EEA/Swiss students and by qualifying or exempt non-EU students. As an Indian student you normally sit in the differentiated band, and the registration fees in France that apply to you are the higher figures: EUR 2,902 for a licence and EUR 3,950 for a master, unless you qualify for or receive an exemption. A doctorate is the friendly exception.

On the same Campus France fee schedule, a doctorate (doctorat) stays at just EUR 398 a year (about INR 43,838), the same reduced band EU students pay, which is why France remains one of the cheapest places on earth to do a funded PhD.

Can you dodge the differentiated rate through an exemption? Sometimes, but do not build your budget on it. Institutions may grant fee exemptions only to a capped share of their eligible foreign students: 30% in 2026/27, falling to 25% in 2027/28 and 20% thereafter. Those institution-granted exemptions are often partial rather than complete, though certain statutory or reciprocal-agreement exemptions (for example some refugees, long-term residents or French-government scholarship holders) sit outside that ceiling. So the honest planning assumption for public university fees in France is that you pay the full EUR 2,902 or EUR 3,950 differentiated fee, and treat any waiver as an upside if it lands.

  • Licence (bachelor’s): EUR 2,902/year differentiated (INR 3.20 lakh)
  • Master: EUR 3,950/year differentiated (INR 4.35 lakh)
  • Doctorat (PhD): EUR 398/year (INR 43,838)

What do private schools and Grandes Ecoles cost?

Private business schools and the most selective Grandes Ecoles sit at the opposite end of the cost range. Grandes Ecoles are not all private, though: France has public engineering Grandes Ecoles too, many charging regulated fees far closer to the public range. Where a public master's differentiated fee is EUR 3,950 a year, a private business master's runs several times higher, so tuition alone at a top school can exceed a full public-university year-one budget. Here, tuition is the number that decides everything.

You’ll know the names here. Private schools like HEC Paris and INSEAD set and publish their own fees, and those run into the tens of thousands of euros a year for a flagship master’s or MBA. Public engineering Grandes Ecoles are a different case, often charging regulated fees much closer to the public university range. Two honest caveats apply to the private figures. Their published numbers shift year to year, and exact business-school fee pages could not be independently verified for this guide, so treat any specific number you see elsewhere as indicative, not fixed. A public Sorbonne master’s and an elite private MBA are simply different financial universes.

The decision is really about return, not sticker price. If a specialised programme opens a career you could not reach through a public degree, the higher fee can be worth it; if not, the public route wins on cost by a wide margin. For a curated set of lower-fee options, see our guide to affordable business schools in France, which lists programmes where published fees stay closer to the public range.

Rule of thumb: at a public university, living costs are your biggest line. At a high-fee private school, tuition alone can equal or exceed the complete annual public-university budget, and elite MBA fees may be several times higher.

What application, enrolment and post-arrival charges do you pay?

Around enrolment and visa filing, several one-off charges apply. The CVEC (Contribution de Vie Etudiante et de Campus, the mandatory student and campus-life contribution) is EUR 105 for 2026-27 (about INR 11,565), per Universite d'Evry, for students liable to pay; exempt students still need to obtain a CVEC exemption certificate before they can complete enrolment.

These fees are small next to tuition, but most students pay every one of them, so put them in the budget now rather than being surprised later. Each has a precise name, which matters when you fill in the forms.

INR 18,500

Etudes en France (EEF) fee, announced to rise to INR 20,000 from 1 Aug 2026 (verify at payment) Campus France India, 2026

EUR 105

CVEC (INR 11,565); liable students pay, exempt students need an exemption certificate Universite d'Evry, 2026-27

~EUR 50

Long-stay student visa consular fee (varies by nationality/procedure) Consular charge, indicative

EUR 32.10

VFS service fee per applicant (~INR 3,536), collected in INR at the applicable exchange rate; optional courier/SMS extra VFS Global India, 2026

EUR 150

VLS-TS validation total (INR 16,522), paid after arrival service-public.gouv.fr F2231, 2026

Two names to lock in. The EEF fee is what you pay to Campus France India to run your application through the Etudes en France platform. On top of the consular visa fee, VFS Global charges a separate service fee of about EUR 32.10 per applicant (collected in INR at the applicable exchange rate), and optional courier, SMS or premium-lounge services cost extra. The VLS-TS (Visa de Long Sejour valant Titre de Sejour, your long-stay visa that doubles as a residence permit) must be validated online within your first three months in France, and that validation now costs EUR 150 in total (about INR 16,522), not the old EUR 50 many articles still quote. In our 2026 counselling sessions, the validation step is the one students most often forget until the deadline is close, so we flag it the day the visa is stamped.

What does it cost to live in France, city by city?

Living costs decide most of your budget, and one 2026 rule just made them higher for you. From 1 July 2026, most non-EU students without a social-criteria scholarship can no longer receive APL housing aid, per service-public.gouv.fr. Exceptions remain for students who are working or on an apprenticeship or professional-training contract, and for refugees, stateless persons and spouses of non-EU students. If none of those apply, budget rent in full.

Let’s be blunt about what changed, because it directly costs you money. APL (Aide Personnalisee au Logement, the personalised housing allowance paid through CAF, the family-allowance fund) used to trim EUR 100-200 off many students’ monthly rent. Unless you hold a French government social-criteria scholarship, or you are working, on an apprenticeship or professional-training contract, or covered as a refugee, stateless person or spouse of a non-EU student, you are no longer eligible, so treat your rent figure as final rather than something a subsidy will soften.

Campus France estimates the cost of living in France for Indian students at EUR 600-800 a month (INR 66,000-88,000) outside Paris. Where your city sits inside, or above, that band is the biggest single lever on your budget. The capital is in a class of its own on rent; smaller student cities let the same rupee stretch much further. The city placements below are AOEC planning estimates for typical student budgets, not a Campus France ranking. A mid-sized city can be considerably cheaper than Paris, particularly for private accommodation, so compare current local rent before you commit. Our cost of living in France breakdown goes deeper on rent, groceries, and transport.

Highest
Paris
 
Well above the national band, driven by rent. Budget beyond INR 88,000/month, and expect housing to be your hardest search.
Upper band
Lyon
 
Typically near the top of the EUR 600-800 band (around INR 88,000/month), with strong graduate hiring in return.
Mid band
Bordeaux
 
Usually comfortably inside the band; rent tends to ease a step down from Paris and Lyon.
Mid band
Nantes
 
A popular student city that typically sits mid-band, with lower rent than the big metros.
Lower band
Toulouse
 
Often toward the lower end of the band (near INR 66,000/month), and a hub for aerospace and engineering.
Lower band
Montpellier
 
Lower-cost southern city where housing and daily spend tend to stay near the band floor.
Lower band
Lille
 
Northern student city usually at the lower end of the band, well connected to the rest of Europe.

CROUS (the state student-services agency) runs subsidised halls and Resto U canteens that can pull your daily costs below these estimates, but places are limited and demand is high, so apply early. If the city choice itself is still open, weigh it deliberately with our guide to the best cities to study in France.

Proof of funds: the number that decides your visa

From 1 August 2026, the funds you must prove are set at 47% of the French minimum wage (SMIC) under Decret n. 2026-526, about EUR 877.50 a month at today's SMIC, on top of a full year's tuition. Across twelve months that is roughly INR 11.6 lakh of proof of funds, the figure that most often decides a French student visa.

Parents, this is the section for you, because the money question and the visa outcome are the same question. The threshold is now pegged to 47% of the SMIC, so the exact euro figure edges up each time the minimum wage is revalued; treat about EUR 877.50 a month (roughly INR 96,653) as the current number and confirm it close to your filing date. Applications filed before 1 August 2026 stay on the old EUR 615 a month, but for a September 2026 intake most families should plan around the higher figure.

From our counselling desk: In approximately 80 files we handled for the September 2025 intake, financial documentation was among the issues that most often required correction or further explanation (an internal observation, not an official statistic). The two areas reviewers questioned most were how the funds were accumulated (a lump sum parked days before submission raises flags) and parental income backing it. Build the paper trail over months, not the week before you apply.

How you show the money matters as much as the amount, and it is where families lose otherwise-strong applications. If you want the document checklist and the accepted formats, our guide to proof of funds for a France student visa walks through each option, including where a blocked account or a fixed deposit helps and where it does not.

Your realistic first-year budget: three student profiles

A first-year budget stacks tuition, the INR 18,500 Etudes en France fee (per Campus France India, announced to rise to INR 20,000 from 1 August 2026), CVEC, the visa consular and VFS service fees, VLS-TS validation and twelve months of living. For a public master's, that lands the studying in France cost in rupees between about INR 12 and INR 16 lakh; a private school roughly doubles it or more.

Numbers are easier to trust when they are tied to a real person, so here are three profiles a student we counsel might actually match. Each builds from the same verified fees; only tuition and city living change. This is the cost of studying in France for Indian students expressed as a full-year plan, not a headline.
Cost item (year 1) Public master, Toulouse Public master, Paris Private B-school, Lyon
Tuition EUR 3,950 differentiated (INR 4.35 lakh) EUR 3,950 differentiated (INR 4.35 lakh) Published fees vary; ~INR 16-44 lakh (illustrative, not a verified range)
CVEC EUR 105 (INR 11,565) EUR 105 (INR 11,565) EUR 105 (INR 11,565)
EEF platform fee INR 18,500 INR 18,500 INR 18,500
Visa consular fee ~EUR 50 (INR 5,508) ~EUR 50 (INR 5,508) ~EUR 50 (INR 5,508)
VFS service fee EUR 32.10 (INR 3,536) EUR 32.10 (INR 3,536) EUR 32.10 (INR 3,536)
VLS-TS validation EUR 150 (INR 16,522) EUR 150 (INR 16,522) EUR 150 (INR 16,522)
Living, 12 months EUR 7,200-8,400 (INR 7.9-9.3 lakh) EUR 9,600+ (INR 10.6 lakh+) EUR 7,200-9,600 (INR 7.9-10.6 lakh)
Indicative total INR 12.8-14.2 lakh INR 15.5 lakh+ INR 25-55 lakh
Two honest notes on this table. Living costs use Campus France’s EUR 600-800/month national estimate for cities outside Paris; the Paris figure is set higher because rent runs above that band, and it is a planning estimate rather than an official figure. Private-school tuition is self-published, varies widely, and could not be independently verified here, so the figures shown are illustrative examples, not a surveyed national range. The pattern is clear: your public-versus-private choice moves the total far more than your city does.

Scholarships that cut the bill (and what they don’t cover)

The main government awards pay a living stipend, not tuition. The Eiffel Excellence master's scholarship gives EUR 1,200 a month (about INR 1.32 lakh), per EURAXESS, but the institution nominates you; there is no self-application, and it does not cover tuition. Read that coverage line carefully before you count on it.

Scholarships to study in France are real money, but they rarely work the way students assume, so let’s separate the stipend from the tuition. Eiffel is the flagship, and it is competitive and institution-nominated, which means your university applies on your behalf; a master’s applicant already in France is not eligible.

  • Eiffel doctoral: EUR 2,100 a month (about INR 2.31 lakh), which, stacked on the EUR 398 doctorate fee, is why a funded French PhD can cost you almost nothing.
  • Charpak master’s: EUR 860 a month (about INR 94,726) plus, on the master track, exemption from visa and Campus France procedure fees and a mutuelle (top-up health insurance), per Campus France India. Charpak does not directly pay tuition, though recipients studying for a national diploma at a public institution may be exempt from the differentiated registration fees; confirm this with your institution. Charpak runs several tracks, so confirm your specific one.
  • Erasmus Mundus: the EU-funded joint master’s programme, which works differently again and can cover tuition plus a stipend on its selected courses.

For the full landscape and deadlines, see our guide to scholarships to study in France. The takeaway holds across all of them: a stipend eases your living costs, but only a handful of routes touch tuition, so never assume an award pays your fees.

Can part-time work cover your costs? The honest maths

Part-time work in France helps, but it will not fund a full year. A student visa permits up to 964 hours a year, an average of about 18.5 hours a week if spread evenly, per Campus France. At the minimum wage that is roughly EUR 11,867 gross a year (about INR 13.07 lakh) before deductions. It can offset part of your living budget, but you should not assume you will secure all 964 hours, and it cannot replace your proof of funds.

Do the calculation properly, because optimistic maths here causes real trouble later. Here is how the ceiling works and what actually reaches your pocket.

  1. Hours: Your permit allows 964 hours across the calendar year, an average of about 18.5 hours a week if spread evenly.
  2. Rate: The SMIC (the national minimum wage) is EUR 12.31 an hour gross as of mid-2026 (about INR 1,356), per service-public.gouv.fr.
  3. Gross ceiling: 964 hours multiplied by EUR 12.31 is about EUR 11,867 (INR 13.07 lakh) a year, and that is the theoretical maximum, not a typical figure.
  4. After employee deductions and reality: Net pay is lower once employee social contributions come off, hours are irregular around exams, and many students work far less than the cap.

Realistically, part-time earnings offset part of your living budget: groceries, a transport pass and some social life, which meaningfully lowers your monthly draw on savings. What they do not do is guarantee all 964 hours, and they should not be relied upon to cover Paris rent or your full living costs, or to satisfy the visa. The proof-of-funds requirement stands whether or not you plan to work. Our guide to part-time jobs in France for Indian students covers where the hours actually are.

How to bring your France cost down: a decision framework

The cheapest way to study in France is decided by three choices, ranked by impact. Institution type is the biggest lever: picking a public master's at EUR 3,950 differentiated over a private school can save roughly INR 10-40 lakh a year in tuition, depending on the private programme. City is next, and housing plus CROUS support is third. Pull them in that order.

The cost of studying in France for Indian students really comes down to a few big decisions, so think of cost control as three dials, not a list of tips, and turn the biggest one first. Chasing small savings while ignoring the institution decision is the common mistake.
Lever Move Roughly what it saves
1. Institution Public university master’s over a private business school ~INR 10-40 lakh a year in tuition
2. City Toulouse, Montpellier or Lille over Paris Often INR 2-4 lakh a year in living costs (planning estimate)
3. Housing A CROUS hall or shared flat over a private studio Several thousand rupees a month
4. Funding An institution-nominated scholarship for living costs Up to INR 1.3 lakh a month (Eiffel)
Notice what is missing: APL housing aid, which most non-EU students can no longer rely on, and part-time work, which trims your monthly draw but is not a budget line you plan around. The honest lever order is institution first, city second, housing third. A public master’s in Toulouse with a CROUS room is a genuinely affordable Western European degree; the same subject at a Paris private school with a private studio is a different financial category entirely.

Is France cheaper than Germany, the UK and Canada?

On tuition, Germany undercuts everyone: most public universities charge no tuition, only a semester contribution of EUR 70-430, per DAAD, though Baden-Wurttemberg charges most non-EU students EUR 1,500 a semester and its blocked account locks EUR 11,904 (INR 13.11 lakh) up front. France's public tuition is low too, and both beat the UK and Canada on cost. Language is the trade you weigh against the saving.

Here is the honest comparison for an Indian student weighing destinations on money. France and Germany are the affordable pair; the English-speaking destinations charge far more in tuition. The UK figures come from the British Council and UK visa rules, the Canada tuition figure is a Statistics Canada average, and the Canada living figure is the official IRCC benchmark.
Country Master’s tuition (year) Living / funds benchmark
France EUR 3,950 public differentiated (INR 4.35 lakh) ~EUR 877.50/month proof of funds (INR 96,653)
Germany Mostly no tuition (EUR 70-430/semester); Baden-Wurttemberg EUR 1,500/sem for non-EU Blocked account EUR 11,904 (INR 13.11 lakh)
UK GBP 9,000-30,000 (INR 11.66-38.85 lakh) GBP 1,171/month outside London, GBP 1,529 in London (up to 9 months)
Canada ~CAD 24,028/yr avg intl grad, 2025-26 (INR 16.5 lakh; preliminary, June 2025 constant dollars, excl. MBA); varies by province/programme CAD 22,895/year outside Quebec (~CAD 1,908/month, INR 15.7 lakh)
According to the British Council, UK postgraduate tuition alone runs GBP 9,000-30,000 (INR 11.66-38.85 lakh) a year, several times a French public master’s, with maintenance proof of GBP 1,171 a month outside London (GBP 1,529 in London) for up to nine months. In Canada, Statistics Canada reports average international graduate tuition of about CAD 24,028 for 2025-26 (in June 2025 constant dollars; the figure is preliminary and excludes MBA programmes), varying widely by province and programme, and the official study-permit benchmark requires a further CAD 22,895 a year for living costs outside Quebec (about CAD 1,908 a month, INR 15.7 lakh), on top of tuition and transportation, for applications on or after 1 September 2025. France’s price edge is clear. The trade you weigh is language: many French public programmes are taught in French, and even English-taught ones sit in a French-speaking city, so factor language learning into the cost of the cheaper degree.

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Frequently Asked Questions

Your file must prove one full year of tuition plus, from 1 August 2026, about EUR 877.50 a month (47% of the SMIC) for twelve months, roughly INR 11.6 lakh on top of tuition; applications filed earlier use EUR 615. Build the funds over months, since reviewers question large last-minute deposits and look closely at parental income.

Yes, by a wide margin. The differentiated registration fee for a public master’s is EUR 3,950 a year for eligible non-EU students, while a private business master’s can run several times that. Living costs are similar either way, so the institution choice, not the city, is what moves your total from roughly INR 12-16 lakh to INR 25 lakh or more.

Usually not any more. From 1 July 2026, most students from outside the EU without a social-criteria scholarship can no longer receive APL through CAF. Exceptions remain for students who are working or on an apprenticeship or professional-training contract, and for refugees, stateless persons and spouses of non-EU students. Otherwise, budget your rent in full and treat older advice about claiming CAF as outdated.

Partly. You may work up to 964 hours a year, an average of about 18.5 hours a week if spread evenly, roughly EUR 11,867 gross at the EUR 12.31 minimum wage before deductions. It can offset part of your living budget, but you should not assume you will secure all 964 hours, and it cannot replace your proof of funds, which the visa requires whether or not you plan to work.

The main ones: the Etudes en France platform fee of INR 18,500 (announced to rise to INR 20,000 from 1 August 2026, verify when the payment link is issued), the CVEC of EUR 105, the long-stay student visa consular fee, the VFS service fee of about EUR 32 per applicant, and the VLS-TS validation of EUR 150 after you arrive. CVEC exemptions exist for some students, the visa fee varies by nationality and procedure, and optional VFS courier or SMS services cost extra.

As an AOEC planning estimate, cities like Toulouse, Montpellier, and Lille tend to sit toward the lower end of the EUR 600-800 monthly living range, while Paris runs well above it on rent. A mid-sized student city can be considerably cheaper than the capital, particularly for private accommodation, so compare current local rent before choosing; a CROUS room saves more still.

Studying in France is one of the best value routes into a Western European degree, provided you plan from real 2026/27 numbers rather than the “almost free” myth. A public master’s around INR 12-16 lakh a year, a clear proof of funds of about EUR 877.50 a month from 1 August 2026 (subject to future SMIC changes), and a city chosen with your budget in mind put the cost of studying in France for Indian students firmly within reach of a standard education loan. Ardent Overseas has counselled Indian students into French institutions for over a decade from our Hyderabad and Tirupati offices, filing Campus France applications every intake. So the budget and visa file you build with us reflect what actually clears, not what looks good on paper.

Sources

Official sources first, then reputable third-party.

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