Fee Paying Student Visa · Indian applicants

Your New Zealand
student visa.
Plan each step.

From your offer of place and funding to insurance and your eVisa: organise each stage around your course and circumstances.

Selected sources reviewed October 18, 2026

The New Zealand Student visa process

From your study plan to arrival.

Start at the stage that matches your progress. Open each stage for the actions and preparation checkpoint.

01Course & offerCheck the qualification, provider and offer conditions.

Choose a suitable qualification

Compare subjects, entry criteria, qualification level and the full budget. Check any later work-visa eligibility separately from admission.

Check the provider and offer

Verify the provider’s approval and Code of Practice signatory status. Review the course, dates, study load and offer conditions.

Preparation checkpoint

What to have ready

Keep your shortlist, provider checks and offer details together.

Explore stage 2
02Tuition & fundingUnderstand payments and the evidence of available funds.

Understand tuition-payment timing

Confirm fees, refund terms and the evidence required for your application. Eligible offshore applicants can choose to pay after approval in principle; final visa issue still requires the applicable fee evidence.

Prepare accessible funding

Calculate living funds, tuition and outward travel separately. Retain evidence of sources and the conditions attached to loans, scholarships or other support.

Preparation checkpoint

What to have ready

Confirm your payment approach and document tuition, living and outward-travel funding.

Explore stage 3
03Checks & insurancePrepare the health, character and cover requirements.

Check health and character evidence

Use the application questions and current instructions to identify required examinations or police certificates. Plan their timing and use approved panel physicians where required.

Arrange suitable insurance

Confirm medical and travel cover acceptable to your provider for the required period. Check the declaration, policy dates and any evidence requested.

Preparation checkpoint

What to have ready

Identify the checks that apply and confirm acceptable insurance with your provider.

Explore stage 4
04Online applicationReview your answers, upload evidence and submit.

Submit through Immigration Online

Review your answers and required uploads, pay the applicable charge and retain submission records. Provide truthful information about your study and immigration history.

Preparation checkpoint

What to have ready

Check the required uploads and retain your application and payment records.

Explore stage 5
05Requests & decisionTrack your file and read the conditions granted.

Respond to requests

Monitor your application and follow any requests by the stated deadlines. Keep your offer and study dates current and notify INZ of relevant changes as instructed.

Review your visa decision

Check the eVisa details, study conditions, expiry, travel and any work permission. Coordinate your start date with the provider before finalising travel.

Preparation checkpoint

What to have ready

Respond to requests and check the eVisa details before finalising travel.

Explore stage 6
06Arrival & enrolmentComplete your start and keep your conditions in view.

Complete arrival and enrolment

Carry relevant entry documents, attend orientation and complete enrolment. Maintain required insurance and study progress, and track permission dates during your stay.

Preparation checkpoint

What to have ready

Coordinate housing, orientation, insurance and your provider’s enrolment instructions.

Discuss my next steps

Some preparation happens in parallel. Follow your provider’s sequence and your application instructions. Admission, enrolment and the visa decision are separate steps.

New Zealand Student visa document checklist

Prepare the file that fits your case.

Mark the items you have ready. Some documents depend on your course, nationality, residence history and individual instructions.

0 of 10 marked ready

A preparation aid for the documents that apply to you. Follow your personalised application instructions. Your selections last while this page is open.

Living funds, tuition & application costs

Build the complete funding picture.

Separate the living funds you must evidence from tuition, outward travel and application payments. Actual costs depend on your course and circumstances.

Published tertiary-study living funds

Plan your living-cost evidence.

One year · New Zealand dollarsNZD 20,000

NZD 1,667 per month for shorter tertiary study. Tuition and outward-travel arrangements are additional. School-study requirements differ; confirm the amount and accepted evidence for your case.

When should I pay tuition?

Offshore applicants can choose to wait until approval in principle before paying tuition. The applicable payment evidence is still required before the visa is issued, and this approach can take longer.

Confirm the provider’s payment and refund terms. Tuition payments are separate from living funds and onward-travel evidence.

Review funding records

References: INZ student funding and Fee Paying Student Visa guidance.

Budget for the application separately.

Published Fee Paying Student Visa cost

From NZD 850

Confirm the applicable charge for your location and application before paying. Allow separately for any required examinations, certificates or other services.

Medical and travel insurance

Quote for the required period.

Use cover acceptable to your provider. Check policy dates, benefits and exclusions for your own circumstances.

Review insurance preparation

Reference: INZ Fee Paying Student Visa guidance. Confirm current requirements and charges.

The details that matter

Find the answer for your next decision.

Explore offers, funding, health and character checks, family eligibility, work conditions and post-study planning.

Conditional offers and approval in principle
  • An offshore application can be assessed with a conditional offer and approved in principle, but an unconditional offer is required before final visa approval.
  • Check personal details, course, dates, study load and any outstanding conditions. Resolve errors with the provider.
  • Verify the provider and international enrolment arrangements, including Code of Practice signatory status.
Admission and a visa: who decides what?

Provider admission

  • Accepted qualifications and course prerequisites
  • Required English evidence and any additional assessment
  • Offer conditions, fees and funding decisions

Study visa application

  • Appropriate offer and tuition evidence
  • Accepted living funds and outward-travel arrangements
  • Applicable health, character and insurance requirements

Providers assess academic and English readiness. INZ decides the visa and its conditions; an offer does not guarantee a visa or a later work route.

Explore New Zealand admission requirements
Loans, sponsors and the source of funds
  • Use the evidence accepted for your funding arrangement, with clear ownership and access to the money. Document the source of substantial deposits. For Indian citizens applying from India, check INZ’s immediate-family restrictions on individual sponsors and guarantors.
  • Keep loan terms, scholarship coverage or sponsor and guarantor records as applicable. A document naming an amount alone does not settle every funding requirement.
  • For a multi-year course, prepare a credible plan for later tuition and living costs. Funds Transfer Scheme use depends on INZ instructions and your circumstances.
Medical checks, chest X-rays and police certificates
  • Health evidence depends on your stay, nationality, residence history and circumstances. Do not assume every student needs the same medical tests.
  • A chest X-ray may be required for a stay over six months depending on TB-risk criteria. Follow INZ instructions and any request for additional examinations.
  • Police-certificate requirements consider age and intended or previous time in New Zealand. Check the required countries, document age and any prior submission.
  • Time documents around the application. Use approved panel physicians where required, and disclose relevant health and character information accurately.
Medical and travel insurance for your stay
  • Maintain suitable medical and travel insurance acceptable to your provider for the required stay, unless exempt. INZ exempts PhD students from its insurance requirement; confirm any provider requirements separately.
  • Review coverage, exclusions, dates and any provider-arranged policy. Ask for a quote for your circumstances rather than assuming a universal annual cost.
  • Complete the insurance declaration and supply evidence if requested. Keep policy records accessible for travel and enrolment.
Education gaps and your study direction
  • Keep an accurate timeline of study, work and other activities.
  • Explain a change in subject or direction and support relevant details with records consistent with your application.
Post Study Work Visa: qualification and duration
  • Post Study Work Visa eligibility depends on the qualification and the study completed in New Zealand. Degree-level and eligible non-degree routes have different criteria.
  • Duration and work conditions vary. Check the exact qualification, full-time study requirement and application window rather than assuming every graduate gets three years.
  • Previous Post Study Work Visa grants can affect eligibility. A later qualification does not automatically create another entitlement.
  • Check the November 2026 changes separately. Neither admission nor a work visa guarantees employment or residence.
Student work: check your own visa conditions
Confirm the conditions attached to your permission before working.
During studyEligible visa conditions can allow up to 25 hours per week.
An existing 20-hour visaThe limit does not automatically increase. An approved variation or new visa may be needed.
Scheduled breaksFull-time work depends on course eligibility and the conditions granted.
Research degreesResearch master’s and doctoral study can have different work conditions; check your visa.
Before accepting workCheck the permission on your own eVisa. A tax number does not create immigration work rights.
Partner and child visa eligibility
  • Partners and children apply separately; they are not included in the Fee Paying Student Visa application.
  • A partner work visa can be available for Level 9 or 10 study and eligible Level 7 or 8 qualifications, subject to the relationship and other requirements.
  • Children’s visa and schooling arrangements require separate checks. Do not assume that every student qualification supports the same family permissions.
  • Plan each family member’s funding, cover and visa conditions before making relocation commitments.
Scheduled November 2026 graduate visa changes
  • The announced Short-Term Graduate Work Visa is for qualifying graduates outside the Post Study Work Visa route, with its own study, funding and prior-visa conditions.
  • The announced graduate-diploma expansion requires the specified Level 7 study plus a bachelor’s degree and other conditions; it is not a general extension for every diploma.
  • Both changes are scheduled for November 16, 2026. Confirm the requirements in force when you apply.
Processing delays and deferral planning
  • INZ recommends applying at least three months before planned travel. Published processing figures are estimates, not a promised decision date.
  • Allow time for funding records and any required health or character checks. Monitor requests and keep copies of submissions.
  • If the intake becomes unrealistic, discuss deferral with your provider and update the application as instructed.
Consistent records and declined applications
  • Check names, dates, course information and funding records for consistency before submission.
  • Provide genuine records and disclose relevant visa history. Explain your study plan accurately.
  • If declined, read the decision and any stated options or deadlines. Seek appropriately qualified advice where needed before deciding on a further application.
Scheduled for November 16, 2026: graduate visa changes

INZ has announced a new six-month Short-Term Graduate Work Visa and expanded Post Study Work Visa eligibility for certain Level 7 graduate-diploma holders who also hold a bachelor’s degree. These changes are scheduled for November 16, 2026. Check the separate eligibility requirements and your application date before relying on either route.

Reference: INZ “New and updated post-study work visa options”, published May 29, 2026.

Your questions, answered

Before you submit.

Practical answers about offers, funding, checks and your visa conditions.

Talk to a counsellor
How much living funding do I need?

The published tertiary-study requirement is NZD 20,000 per year, or NZD 1,667 per month for shorter study. Tuition and outward-travel arrangements are additional. School-study amounts differ; confirm the evidence for your category and duration.

Must I pay tuition before applying from India?

If applying outside New Zealand, you can choose to wait for approval in principle before paying tuition. INZ still needs the applicable fee evidence before issuing the visa. Confirm the provider’s payment and refund terms; this option can take longer.

Can I apply with a conditional offer?

An offshore application can be assessed using a conditional offer and approved in principle, but an unconditional offer is required before final visa approval. Resolve the remaining conditions with your provider.

Does every applicant need a medical or chest X-ray?

No. Requirements depend on the intended stay, nationality, residence history and circumstances. Follow the application questions and current INZ instructions, including any additional request.

Can I work 25 hours if my visa says 20?

No automatic increase applies. Follow the conditions on your current visa. You may need an approved variation or a new visa before working the higher hours.

Can my partner work while I study?

A partner may qualify for a work visa if you study at Level 9 or 10 or hold an eligible Level 7 or 8 study arrangement, and the other requirements are met. Partners apply separately and should check the exact qualification and relationship criteria.

Does my course guarantee a three-year Post Study Work Visa?

No. Eligibility, duration and work conditions depend on the qualification, study completed, application timing and previous visa history. Some non-degree qualifications qualify under specific rules; check your exact course.

What changes are scheduled for November 2026?

From November 16, 2026, INZ has announced a new Short-Term Graduate Work Visa and expanded Post Study Work Visa eligibility for certain Level 7 graduate-diploma holders with a bachelor’s degree. Both routes have separate requirements and are not yet available on this page’s October 18 review date.

Your profile. Your preparation.

Make the next step
a considered one.

Discuss your course options, provider requirements and study preparation with Ratnas Overseas.

Selected sources reviewed October 18, 2026: Immigration New Zealand Fee Paying Student Visa, student funding, health and character instructions, work conditions, partner visas, Post Study Work Visa and the November 2026 graduate visa announcement; NZQA provider guidance. Confirm requirements for your circumstances and application date.