UK Bank Statement Calculator 2026 — For Indian Students
Work out exactly how much money you need in your bank account for your UK Student visa — converted into Indian Rupees (INR). Separate calculators for undergraduate and postgraduate applicants, based on the latest UKVI maintenance fund rules.
Undergraduate or Postgraduate?
The monthly maintenance rate is the same for every Student visa applicant, but course length changes how many months of funds you must show. Pick your level below to get a tailored INR breakdown.
Undergraduate Funds Calculator
Enter your course and tuition details to get your required bank balance in INR
Use the location shown on your CAS. “London” means one of the 32 London boroughs or the City of London.
Full undergraduate degree length. Funds are only required for a maximum of 9 months regardless of total course length.
Use the exact figures shown on your CAS (Confirmation of Acceptance for Studies).
Pre-filled with an approximate market rate. Check the live interbank/bank rate before your visa application and update this field.
Student visa fee £558 (from 8 Apr 2026) + Immigration Health Surcharge £776/year, paid online during your application — shown for budgeting only.
Undergraduate Result
Maintenance funds, tuition proof, and total INR requirement
Fill in your course and tuition details, then click Calculate My Bank Statement Total to see your required INR balance.
Postgraduate Funds Calculator
Enter your course and tuition details to get your required bank balance in INR
Use the location shown on your CAS. “London” means one of the 32 London boroughs or the City of London.
If your Master’s is shorter than 9 months, UKVI lets you show funds for the actual remaining length instead of the 9-month maximum.
Use the exact figures shown on your CAS (Confirmation of Acceptance for Studies).
Pre-filled with an approximate market rate. Check the live interbank/bank rate before your visa application and update this field.
Student visa fee £558 (from 8 Apr 2026) + Immigration Health Surcharge £776/year, paid online during your application — shown for budgeting only.
Postgraduate Result
Maintenance funds, tuition proof, and total INR requirement
Fill in your course and tuition details, then click Calculate My Bank Statement Total to see your required INR balance.
UKVI Maintenance Fund Rates
Current UK Home Office figures used in this calculator (2025–26 academic year onward). Always cross-check against your CAS and the latest gov.uk guidance before applying, as rates can change.
| Item | Amount (GBP) | Notes |
|---|---|---|
| Maintenance — Inside London | £1,529 / month | Max 9 months = £13,761 |
| Maintenance — Outside London | £1,171 / month | Max 9 months = £10,539 |
| Funds seasoning period | 28 consecutive days | Balance must not dip below requirement |
| Statement recency | Within 31 days | Of visa application submission date |
| Student visa application fee | £558 | From 8 April 2026, paid online |
| Immigration Health Surcharge (IHS) | £776 / year | Paid online, not shown as “held funds” |
Bank Statement Calculator FAQ
Everything Indian students ask before submitting their UK Student visa financial evidence in 2026.
UKVI requires proof of living costs (maintenance funds) plus any unpaid tuition fees. From 2025-26, maintenance is £1,529 per month if studying in London or £1,171 per month outside London, capped at 9 months. This is added to your remaining first-year tuition fee shown on your CAS, then converted to INR at the prevailing exchange rate.
The monthly maintenance rate (London or outside London) is the same for both levels. The difference usually comes from course length: undergraduate degrees are 3-4 years so you only need to show 9 months of funds, while some postgraduate courses run for less than 9 months, in which case UKVI lets you calculate funds for the actual remaining course length instead of the full 9-month maximum.
Your bank statement or bank letter must show the required balance held for a consecutive 28-day period, and the closing balance date must not be more than 31 days old when you submit your Student visa application. The balance must not drop below the required amount at any point during those 28 days.
The calculator uses an editable exchange rate field pre-filled with an approximate market rate. Because GBP/INR rates change daily, you should check the live interbank or your bank’s rate before submitting your visa application, and enter that figure into the calculator for an accurate INR total.
No. The Student visa application fee and the Immigration Health Surcharge (IHS) are paid online during your visa application and are not required to be shown as held funds. This calculator includes them as optional reference figures only, so you can budget your total costs in INR.
Yes to both. If a parent or legal guardian is providing the funds, you need their bank statements covering the 28-day period plus a signed letter of parental consent confirming the money is available for your studies, from an account with an RBI-regulated bank. If you’re using an education loan instead, you need a loan letter from a regulated Indian bank or NBFC (such as SBI, Bank of Baroda, or HDFC Credila) confirming the sanctioned amount, dated within 6 months of your application, with no conditions left on releasing the funds.