Germany Blocked Account Calculator

Short answer. A German student visa needs EUR 11,904 in a blocked account for the first year, released at no more than EUR 992 a month. The deposit is your money, so it is not the real cost. The real costs are the forex margin, the provider’s fees, and 2 percent TCS if you fund it yourself above ₹10 lakh.

Germany Blocked Account Calculator
What the visa requires
EUR 992 a month, EUR 11,904 a year, per the German missions in India. It can change, so check before you transfer.
What it costs to get the money there
Use the rate your bank will actually give you. The default is an example, not a quote.
Set 0 if the rate above already includes your bank’s markup.
Enter your blocked account provider’s one time fee.
How it is funded
A remittance out of an education loan from a bank or a notified financial institution attracts no TCS.
The ₹10 lakh threshold counts everything the remitter sends abroad under LRS in the tax year, tuition included.
Total you need in rupees₹0
Deposit (EUR)EUR 0
Deposit at your rate₹0
Forex margin you lose₹0
Provider fees over the period₹0
TCS collected by the bank₹0
What you can withdraw each monthEUR 0
Enter your numbers.

TCS is not a fee. It is tax collected in advance and credited to the remitter’s PAN, so it comes back against their tax bill or as a refund when they file. It is still cash you need on the day of the transfer. TCS rates apply from 1 April 2026.

The deposit is not the cost

Most guides lead with the EUR 11,904 figure as if it were a fee. It is not. The German missions in India require that sum in a blocked account so that the embassy knows you can live for your first year, and the account then releases it to you at no more than EUR 992 a month once you arrive. It is your own money, parked.

What you genuinely spend is smaller and easier to miss. The rupee to euro conversion carries your bank’s margin over the reference rate. The blocked account provider charges a setup fee and usually a monthly fee. And if the money is your family’s own, the transfer can trigger tax collected at source. The calculator separates these so the headline number does not hide them.

TCS on a blocked account transfer, after April 2026

Sending money abroad for education falls under the Liberalised Remittance Scheme. Under section 394 of the Income-tax Act 2025, as amended by the Finance Act 2026, the bank collects TCS at 2 percent on the part of your education remittances that takes you above ₹10 lakh in a tax year. The rate was 5 percent until 31 March 2026. For purposes other than education or medical treatment it is 20 percent.

A full year’s blocked account at today’s euro rates is more than ₹10 lakh on its own, so a self funded transfer usually crosses the threshold. If you have already paid tuition abroad in the same tax year, that counts towards the ₹10 lakh too, which is why the calculator asks for it.

There is one clean exemption. No TCS is collected if the money being remitted is a loan from a financial institution, meaning a bank or a lender the central government has notified, taken to pursue education. So a blocked account funded straight from a bank education loan goes out with no TCS at all. Our guide on using an education loan for the blocked account covers how banks handle that disbursement.

If you do not want a blocked account

The German missions in India also accept a formal obligation letter, the Verpflichtungserklärung, from a sponsor living in Germany, or proof of a German or EU scholarship. If you have taken an education loan, they ask for proof of that as well. For the rest of the visa file, see the Germany student visa guide, and for the full first year budget beyond the blocked account, the cost of studying abroad calculator.

Where these figures come from

Checked against the sources above in October 2026. The blocked account amount and TCS rates change, so confirm the current figure before you transfer.