Can you suggest countries like Singapore or others with a minimum budget for master's studies, including tuition and living expenses under 10 lakhs INR in Germany/France?

You can realistically target a Master's under 10 lakh rupees in Germany or France if you choose public universities and manage your living costs carefully. Germany's zero tuition policy makes your blocked account deposit the main hurdle, while France asks for a modest subsidised fee plus proof of funds. Picking a smaller university town over a capital city is what actually keeps your real spending under budget.

Germany Vs France: Your Core Numbers

How To Keep Your Real Spending Lower

• In Germany, pick smaller university towns like Aachen, Chemnitz or Magdeburg, where actual monthly living costs can stay under 700 EUR, well below the blocked account figure.
• In France, avoid Paris entirely and look at Toulouse, Lyon or Lille, and apply for CAF housing assistance, which can cover 30 to 50 percent of your monthly rent.
• Both countries let you work part time up to 20 hours a week, which comfortably covers groceries and rent once you arrive.
• Budget roughly Rs. 10,000 to Rs. 12,000 a month for mandatory health insurance in Germany; France gives you free access to its national health system after arrival.
• If you want a Singapore-like alternative, Taiwan offers English taught Master's degrees for about 2 to 3 lakh rupees a year in tuition with living costs under 4 lakh rupees, and Malaysia's twin programmes with British or Australian universities can sit under 8 lakh rupees a year in total.

My Advice

Shortlist a smaller German university town first, since your blocked account requirement barely exceeds 10 lakh rupees while your actual monthly outgoings there are far lower than in a capital city. Start a basic A2 or B1 German or French course now, since even limited language skills open up part time work and city discounts that meaningfully shrink your year one budget.