UK Student Visa Rules for 2027: What's Changed for Indian Students
Every UK student visa change that affects 2027 applicants from Kerala and Tamil Nadu — higher funds from 30 November 2026, the 18-month Graduate Route, stricter university checks, fees, dependants and the eVisa.
By Al Ameen Mohammed Ali, Founder & CEO, AimBritz
Published 12 November 2026
Short answer
If you apply in 2027 you need more money in the bank (£1,570 a month in London or £1,203 elsewhere, from 30 November 2026), you'll get 18 months on the Graduate Route instead of two years, taught master's students still cannot bring family, and universities are checking applicants more strictly because of new Home Office compliance ratings.
The key numbers at a glance
Rupee amounts use the ECB reference rate of 11 Nov 2026 (£1 = ₹124.67) and are rounded.
| Item | Amount / rule | Since |
|---|---|---|
| Visa application fee | £558 (about ₹69,600) | 8 Apr 2026 |
| Immigration Health Surcharge | £776 a year (≈ £1,164 for a typical 1-year master's visa) | Current |
| Living-cost funds — London | £1,570 a month, up to 9 months (£14,130 ≈ ₹17.6 lakh) | Applications from 30 Nov 2026 |
| Living-cost funds — rest of UK | £1,203 a month, up to 9 months (£10,827 ≈ ₹13.5 lakh) | Applications from 30 Nov 2026 |
| Graduate Route after a bachelor's/master's | 18 months (PhD: 3 years) | Applications from 1 Jan 2027 |
| Dependants | Only PhD/research degrees and government-sponsored students | Courses from 1 Jan 2024 |
| English level | CEFR B2 for degree level (university can assess); B1 below degree | Current |
| Standard decision time | About 3 weeks from outside the UK | Current |
1. You need more money from 30 November 2026
For applications made on or after 30 November 2026, the living-cost requirement rises to £1,570 a month in London and £1,203 a month elsewhere, for up to nine months. Before that date it is £1,529 and £1,171. The change comes from the Statement of Changes HC 584.
London means the City of London and the 32 London boroughs, and what counts is where you study, not where you live. You must also show any unpaid first-year tuition shown on your CAS. Our bank-balance guide explains the 28-day rule and whose money you can use.
2. The Graduate Route drops to 18 months
If you apply for the Graduate visa on or after 1 January 2027, you get 18 months after a bachelor's or master's degree — down from two years. PhD graduates still get three years. The date of your Graduate application is what counts, not when your course started.
In practice everyone starting a UK course now falls under the 18-month rule, so plan internships and the switch to a Skilled Worker job from your first term.
3. Universities are under stricter Home Office checks
From 1 June 2026, universities must keep their students' visa refusal rate under 5% (it was 10%) and enrolment at 95% or more to keep their licence in good standing. The Home Office now rates every university Red, Amber or Green on these measures, and Amber or Red universities can have their CAS numbers capped or cut.
That's why many universities now run credibility interviews, check documents more closely, ask for bigger deposits and set earlier deadlines. A strong, honest application matters more than ever.
4. Family can come only with research degrees
Taught master's students cannot bring a partner or children. Dependants are allowed only for students on a PhD, another doctorate or a research-based master's of nine months or longer, or students with full government sponsorship.
5. Other things that are now standard
- ·eVisa: you get a digital eVisa through a free UKVI account — physical BRP cards are no longer issued.
- ·TB test: required for Indian applicants staying six months or more, at a UKVI-approved clinic. In Kerala these are KIMS Health, Thiruvananthapuram and Amrita Institute of Medical Sciences, Kochi.
- ·Work: up to 20 hours a week in term time at degree level, full-time in official vacations.
- ·Faster decisions: priority (£500, usually 5 working days) and super priority (£1,000, usually next working day) — only if offered when you apply.
- ·Apply up to 6 months before your course starts.
What to do now if you're aiming for 2027
- ·Budget with the new funds figure, not the old one.
- ·Start the money in the bank early so it is held for 28 full days before you apply.
- ·Prepare for a credibility interview: know why this course, this university and this career plan.
- ·Plan your post-study job search for an 18-month window.
- ·Use only certified, accredited consultants — universities using agents must now follow the UK Agent Quality Framework.
Common questions
How much bank balance do I need for a UK student visa in 2027?
For applications from 30 November 2026: £1,570 a month in London or £1,203 a month elsewhere, for up to nine months (£14,130 or £10,827), plus any unpaid first-year tuition on your CAS. The money must be held for 28 consecutive days.
Is the UK Graduate visa 18 months or 2 years?
18 months for bachelor's and master's graduates who apply on or after 1 January 2027; two years if you applied before then. PhD graduates get three years.
Can I take my wife or husband to the UK on a student visa?
Not on a taught master's. Only students on a PhD or research-based degree of nine months or more, or fully government-sponsored students, can bring dependants.
How long does a UK student visa take from India?
About three weeks for a standard decision. Priority (about 5 working days) and super priority (next working day) cost £500 and £1,000 extra, when offered.
Official sources
- GOV.UK — Student visa
- Statement of Changes HC 584 (3 Sep 2026) — maintenance funds from 30 Nov 2026
- HC 1333 Explanatory Memorandum — Graduate Route 18 months
- Home Office fees table (8 Apr 2026)
- GOV.UK — Immigration Health Surcharge
- Student sponsor compliance guidance (June 2026)
- GOV.UK — TB test clinics in India
- GOV.UK — eVisas
This guide is general information, not legal or immigration advice. Rules and fees change, so confirm them on the official sources before you apply — or get your own case checked in a free session.
Free consultation
Every case is different. Get this checked against your own profile — free, with a British Council–certified counsellor.
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