Is New Zealand a better option than Germany or Australia considering refusal rates and budget constraints?

Germany is typically the best choice if you want the highest visa approval rate and the lowest overall cost.

- Germany: Highest visa approval rate for Indian students (about 82%), and public universities often have minimal or no tuition fees. Living costs are moderate.
- New Zealand: Visa approval rate is moderate (around 60%). Tuition and living costs are higher than Germany but lower than Australia.
- Australia: Visa refusals have increased (about 40% refusal rate), and both tuition and living expenses are higher than the other two countries.

Visa policies and costs are subject to change. If budget and approval chances are your top priorities, Germany is usually the strongest option. If you prefer New Zealand for other reasons, it offers a reasonable balance between cost and approval rate.