Tuition
AED 60,000 – AED 90,000 a year for international students.
Dubai (UAE) · UK branch campus university
Education Loan for Heriot-Watt University Dubai
Heriot-Watt University Dubai in Dubai is known for engineering, business, psychology. Here's what a 1-year master's costs Indian students in rupees, how much you'll likely borrow, and which loan routes fit.
- Total ≈ ₹29 lakh – ₹38 lakh
- Tuition AED 60,000 – AED 90,000 a year
- Typical loan ₹21 lakh – ₹34 lakh
- Lenders compared for your profile
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Quick answer
How much does Heriot-Watt University Dubai cost, and how much loan do I need?
A 1-year master's at Heriot-Watt University Dubai costs about ₹29 lakh – ₹38 lakh in total for an Indian student: tuition of AED 60,000 – AED 90,000 a year, living costs of about AED 50,000 a year in Dubai, plus one-time visa and travel costs. Most students borrow ₹21 lakh – ₹34 lakh. The exact amount depends on your program's cost sheet, scholarships and family savings.
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Heriot-Watt University Dubai at a glance
- Location
- Dubai, Dubai (UAE)
- Type
- UK branch campus university
- Known for
- Engineering, business, psychology
- Tuition (international)
- AED 60,000 – AED 90,000 a year
- Typical master's length
- 1 year
- Planning exchange rate
- AED 1 ≈ ₹25.6
Cost in rupees
Total cost of a master's at Heriot-Watt University Dubai
Planning rate, rounded from mid-2026 market levels — we recalculate with the live rate. Tuition varies by program — use your offer letter's figure.
What's included
How these figures are worked out
Living costs
AED 50,000 a year — Shared housing, food and transport in Dubai.
One-time costs
₹1.2 lakh – ₹2.2 lakh: student residence visa, Emirates ID, medical, flights and deposit.
Exchange rate
AED 1 ≈ ₹25.6. A 5% move in the rupee changes the total by about ₹1.7 lakh.
Loan plan
Funding a master's at Heriot-Watt University Dubai
Our view
Which loan route fits
At this cost an unsecured loan from a private bank or NBFC is often enough, if the co-applicant's income supports it.
For the visa: show funds that cover at least the first year, through a loan sanction letter, savings or a scholarship.
Repayment
EMI on a ₹27 lakh loan
About 80% of the mid-point cost. EMIs start after the course and moratorium.
Timeline
Loan steps after your Heriot-Watt University Dubai admit
- 01
Get the cost sheet
Download Heriot-Watt University Dubai's cost of attendance for your program, or use the figure on your offer letter.
- 02
Pick 2–3 lenders
We match your profile with a secured option, an unsecured option and, if relevant, an international lender.
- 03
Sanction letter
Get the sanction in time for your visa application.
- 04
Disbursement
Tuition is paid directly to Heriot-Watt University Dubai; living costs go to your account or forex card.
FAQs
Frequently asked questions
Still have a question?
Ask a counsellor directly — we reply on WhatsApp during working hours (Mon–Sat, 9 AM–6 PM IST).
About ₹29 lakh – ₹38 lakh for a 1-year master's, including tuition (AED 60,000 – AED 90,000 a year), living costs and one-time costs, at AED 1 ≈ ₹25.6.
Lenders fund the cost of attendance minus any margin money. With collateral you can usually borrow most of the ₹29 lakh – ₹38 lakh; unsecured limits depend on the lender's university list and your co-applicant's income.
Often yes, from private banks and NBFCs if the university is on their list and the co-applicant's income is strong.
About ₹36,432 a month over 10 years at 10.5%, after the moratorium.
Funds covering at least the first year of tuition and living costs, through a loan sanction letter, savings or a scholarship.
Explore
Keep exploring
Same country
Education loans for other universities in Dubai (UAE)
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