How to stretch every euro like a true Malayali
So, you’re dreaming of studying in Germany—a land of punctual trains, endless sausages, and universities that don’t demand your entire life’s savings. If you’re a student from Kerala, chances are you’ve already mastered the art of getting more out of less. Good news: that frugal spirit is your greatest asset in Deutschland!
Monthly Expenses: How Low Can You Go?
First things first—what’s the damage for living in Germany? On average, you’ll need about €900 to €1,100 a month, but a thrifty Kerala student can often manage with less. Rent is the big spender, but you’ve got options:
- Student Residences (Wohnheim): These government-run hostels are a lifesaver, costing just €250–€400 per month. Apply early, though—waiting lists can rival Kerala’s train queues.
- Shared Flats (WG): Fancy sharing a kitchen with folks from all over the world? A WG will set you back €300–€600 monthly, and cooking together means splitting masala costs too.
Forget private apartments unless you’ve inherited a rubber estate—these can go over €900 and aren’t for the faint of heart or wallet.
Food: Eat Well, Spend Less
Groceries take around €150–€250 per month if you shop smart. Supermarkets like Aldi and Lidl are the German cousins of Big Bazaar—cheap, cheerful, and good for your wallet. Learn to cook your own sambar and rice, and you’ll save enough to occasionally treat yourself to a doner kebab.
University canteens (Mensa) are legendary for their low prices, with meals from €2.50 to €5. If you miss Kerala’s coconut-rich curries, look out for Indian student associations—they often host food nights that taste like home.
Travel: Explore Without Going Broke
Public transport is a student’s best friend. Most universities offer a semester ticket, letting you roam the city on trains and buses for under €60 a month. Consider it your ticket to adventure—and no need to haggle with auto drivers.
Health Insurance: No Skipping!
German law says every student must have health insurance. Public insurance costs around €140–€150 monthly, so set it aside in your budget. It covers everything from a common cold to more serious issues—no shortcuts here!
Scholarships: Free Money, Anyone?
If you’re academically sharp or a bit lucky, there are scholarships to lighten your financial load:
- DAAD: The biggest name, funding living expenses for Master’s and PhD students (up to €934–€1,300/month, check exact amounts for your programme).
- Deutschlandstipendium: €300/month for high-achievers—worth a try!
Many German universities also offer smaller scholarships, especially for STEM and research students. Hunt these down like a proper Kerala treasure-seeker.
Proving Your Finances: The Sperrkonto
To snag that German visa, most students need a blocked account (Sperrkonto) with around €11,904 deposited upfront (2025 rate). You’ll get back €992 monthly for living expenses, which should be plenty if you avoid unnecessary luxury.
- Survival Tips for the Kerala Student
- Share your flat, share your expenses—just like back home.
- Cook at home and embrace group potlucks. Your Kerala recipes will make you popular fast.
- Track spending with a simple app (or even a notebook—old-school, but effective).
- Use student discounts everywhere—transport, shops, even museums.
- Work part-time if your visa allows; German law lets students work up to 20 hours per week.
Germany isn’t about wild spending—it’s about smart living. With some planning, thrift, and a dash of Malayali wit, you’ll thrive, not just survive. And who knows? You might just teach your German friends the art of living well on a tight budget!