F-1 student visa · Indian applicants

Your US student visa.
A clearer path
from here.

Understand the F-1 visa process for Indian students: your I-20, DS-160, fees, documents and interview preparation, organised into practical stages.

Selected sources reviewed October 18, 2026

The F-1 visa process

From your first shortlist to arrival.

Start at the stage that matches your progress. Each stage explains the actions and what to have ready before your next step.

01Profile & shortlistChoose your course and suitable universities.

Counselling and profile evaluation

A structured profile review maps your academics, backlogs, test status, budget, intake, and career goal to realistic US options. This is also where admission-versus-visa planning starts: universities evaluate your academics, while the visa interview later tests your intent, funding clarity, and study plan.

University shortlisting

Research SEVP-certified schools and compare course content, admission criteria, full costs and funding terms. Check programme-specific tests and any STEM designation with the school. An offer does not guarantee a visa or later work permission.

Preparation checkpoint

A shortlist you can explain

Keep a course shortlist with entry criteria, costs and deadlines, alongside your academic records and preferred intake.

Explore stage 2
02Application & I-20Prepare your application and school documents.

Application submission

Applications go directly to universities or through portals. Typical requirements: transcripts (10th, 12th, bachelor's), English test score, SOP/LORs, resume, passport copy, and application fees. GRE, SAT, or GMAT are submitted only where required or where they strengthen your profile.

Admission and Form I-20

After admission, follow the school’s funding and document requirements for Form I-20. Review your personal details, programme, start date and financial information with the school before using the form for your visa application.

Preparation checkpoint

An offer and I-20 you have checked

Review the school’s admission and funding instructions. Check your name, course and start date on the I-20 with the school.

Explore stage 3
03Funding & SEVISOrganise your funding evidence and fee receipt.

Financial proof for the I-20 and visa

Use your school’s published financial requirements and document checklist. Prepare genuine evidence of how you will cover educational, living and travel costs, including any confirmed sponsor, award or education loan.

Pay the SEVIS I-901 fee - $350

The published F-1 I-901 SEVIS fee is $350. Use the official fee website and retain your receipt. Confirm whether you need a new payment if you are changing schools or reapplying.

Preparation checkpoint

A clear funding record

Organise evidence of available funding, any confirmed award or loan, and your SEVIS payment receipt. Keep copies together.

Explore stage 4
04DS-160 & visa feeComplete the application and payment steps.

Complete the DS-160

The DS-160 (ceac.state.gov) is the online nonimmigrant visa application. Fill it yourself or with your counsellor, answer every question truthfully, and list all social media identifiers used in the last five years - officers review online presence. Submit, print the confirmation page with barcode, and remember: you must carry the confirmation page of the exact DS-160 used to book your appointment.

Pay the MRV visa application fee - $185

The published visa application fee for F visas is $185. Follow the official consular payment instructions and check whether additional charges apply to your case. Do not treat an old fee estimate as the final payable amount.

Preparation checkpoint

Your application confirmations

Review the DS-160 answers before submission. Keep the confirmation page and required payment records with your application documents.

Explore stage 5
05Appointment & interviewPrepare to explain your study plan clearly.

Schedule biometrics and the visa interview

Follow the US embassy or consulate’s current instructions for appointment booking, biometrics and the interview. Appointment availability varies. Do not assume an interview waiver applies to your application.

Attend the F-1 visa interview

The interview usually lasts a few minutes. Expect questions on why this university and program, how you will fund your studies, your academic background and gaps, and your plans after graduation. Answer precisely, honestly, and consistently with your I-20, DS-160, and financial documents. Ties to India - family, property, career plan - matter, because F-1 is a nonimmigrant visa.

Preparation checkpoint

An organised interview file

Check your appointment instructions and document checklist. Practise explaining your course choice and funding in your own words.

Explore stage 6
06Decision & departureFollow the decision and arrival instructions.

Visa decision and passport return

Wait for the official decision and passport-return instructions. If further documents or administrative processing are required, respond as instructed. A refusal should be reviewed against the official refusal notice before deciding your next step.

Pre-departure guidance

Confirm housing and insurance with the school. New students may not enter more than 30 days before the programme start date. Carry your travel and study documents, check your I-94 after arrival, and follow your DSO’s reporting instructions.

Preparation checkpoint

A plan based on your decision

Follow the official decision. Once travel is appropriate, confirm arrival arrangements with your school; discuss deferral if your start date is at risk.

Discuss my next steps

Preparation can overlap: your school may need funding evidence before issuing the I-20. Follow its sequence and the consulate’s current instructions. Admission, visa issuance and permission to stay in the US are separate decisions.

F-1 visa documents

Get your documents in order.

Mark items as you prepare them. Keep your original records, application details and financial evidence consistent.

0 of 8 marked ready

Use this as a preparation aid. Check the document instructions for your appointment and school. Your selections last while this page is open.

SEVIS & visa application fees

Know which fee is which.

Plan these payments separately from university deposits, travel and other application expenses. Confirm current amounts and any additional applicable charges before paying.

SEVIS I-901

Student record fee

$350 USD

Published fee for an F-1 applicant. Keep the payment receipt with your visa documents.

See where this fits
MRV APPLICATION FEE

Visa application fee

$185 USD

Published F-visa application fee per applicant. Follow the consulate’s current payment instructions.

Review funding preparation

Fee references: ICE I-901 SEVIS information and US Department of State student visa instructions. These two amounts are not a quote for your total application cost.

The details that matter

Find the guidance you need.

Explore admission and visa requirements, funding evidence, family plans and work permissions without leaving this guide.

Admission and visa: who decides what?

University admission

  • Academic percentages, GPA, and backlogs policies
  • English tests: IELTS, TOEFL, PTE, or DET with program-specific minimums
  • GRE / GMAT / SAT / ACT where the program requires or recommends them
  • SOP, LORs, resume, transcripts, and application deadlines
  • Deposits, deferral rules, and scholarship decisions

F-1 visa application

  • Admission to a SEVP-certified school and a valid Form I-20
  • Complete DS-160 and follow the applicable SEVIS and visa fee instructions
  • Proof that funds are genuine, available, and sufficient - no fixed government amount
  • Nonimmigrant intent: a concrete study plan and ties to India
  • Follow current interview and appointment instructions

Critical distinction: there is no IELTS, TOEFL, or GRE score set by US visa rules. A university's IELTS requirement is an admission requirement only - the consular officer instead assesses whether you can genuinely communicate and pursue your stated program.

Explore admission requirements

English tests and exemptions

Confirm the policy for your chosen course.
TestWhat to check
IELTS AcademicConfirm overall and section scores
TOEFL iBTConfirm accepted test version and current score scale
PTE AcademicConfirm acceptance for your course
Duolingo English TestConfirm acceptance for your course

The university sets English proficiency requirements and exemptions. A test or waiver accepted by one course may not be accepted by another. Confirm current requirements before booking a test.

Explore test preparation

GRE, GMAT, SAT and ACT

  • Check the course’s current SAT/ACT, GRE or GMAT policy before applying.
  • Required, optional and waiver policies differ by department and intake.
  • Do not assume a test score guarantees admission or scholarship funding.

Explaining education gaps

  • Explain your academic and employment timeline honestly.
  • Use appropriate supporting documents for work, study, family responsibilities or health-related gaps.
  • A gap explanation does not guarantee admission or a visa.

Education loans and sponsor documents

  • Use the school’s funding checklist and current cost of attendance.
  • Keep genuine evidence of your savings, confirmed loan, sponsor support or written funding award as applicable.
  • Check whether documents need to meet a school-specific date, format or currency requirement.
  • A property valuation or an unconfirmed job offer is not the same as available funds for tuition and living costs.

Appointments and processing delays

  • Appointment availability and processing times vary; use official consular guidance.
  • Apply early enough to accommodate document preparation and possible additional processing.
  • If your start date is at risk, discuss deferral and an updated I-20 with the university.

Planning for F-2 dependants

  • Eligible spouses and children may need their own I-20 and visa application. Follow the school and consulate’s instructions.
  • F-2 dependants cannot assume permission to work.
  • Study restrictions differ for adults and school-age children; check the applicable rules with the DSO.
  • Maintain the required status and records for each family member.

On-campus work, CPT, OPT and STEM OPT

Work permissions depend on your eligibility and authorisation.
On-campus employmentEligible F-1 students are generally limited to 20 hours per week while school is in session. Confirm eligibility with your DSO.
CPTMust be part of the curriculum and authorised by the school before starting.
OPTEligible students may apply for up to 12 months at an education level. DSO recommendation and USCIS authorisation are required.
STEM OPTEligible graduates of qualifying STEM programmes may apply for a 24-month extension, subject to employer, training-plan and reporting requirements.

Preparing truthful, consistent information

  • Provide truthful and consistent information in every form and supporting document.
  • Be prepared to discuss the course you selected and how you will fund it.
  • Use genuine academic and financial records.
  • Read any refusal notice carefully. Changes to your preparation do not guarantee a later approval.
Check your authorised stay before travelling

A visa’s expiry date does not determine how long you may stay in the United States. Check your I-94, I-20 and DSO instructions. UC Merced’s international student office reports that a September 14, 2026 court order postponed the fixed-admission rule scheduled for September 15. Do not assume the announced change is in force; confirm current guidance for your circumstances.

Reference: UC Merced international student office’s duration-of-status update. Ask your DSO to confirm current requirements for your situation.

Your questions, answered

Before your next step.

Common questions about preparing your F-1 application.

Talk to a counsellor
Is IELTS mandatory for a US student visa?

Your school sets its English proficiency requirements. Check accepted tests, score requirements and exemptions for the particular course. Admission and visa requirements are separate.

How much bank balance is required for an F-1 visa?

Use your school’s current cost and funding requirements, and prepare evidence of how you will cover educational, living and travel costs. The amount depends on the school, course and your circumstances.

What fees should I plan for?

The published F-1 SEVIS fee is $350 and the visa application fee is $185. Check official payment instructions for additional applicable charges and current amounts before paying.

Is an interview required?

Interviews are generally required with limited exceptions. Follow the current embassy or consulate instructions for your application rather than assuming you qualify for a waiver.

Does my visa expiry date determine my authorised stay?

No. Check your I-94, I-20 and current status requirements with your school’s DSO. The scheduled September 2026 fixed-admission rule was postponed by a court order according to UC Merced’s international student office; confirm current guidance before travel.

Can I work while studying?

Work requires the appropriate permission. Discuss on-campus work, CPT and any later OPT or STEM OPT application with your DSO before beginning employment.

What should I do if my visa is delayed?

Contact the university promptly about its arrival deadline, deferral options and any updated I-20. Follow official consular instructions for your pending application.

Your profile. Your preparation.

Turn the guide into
your own plan.

Discuss your I-20, document preparation, funding plan and interview questions with Ratnas Overseas.

Selected sources reviewed October 18, 2026: US Department of State student visa instructions, ICE SEVIS fee and practical training guidance, and UC Merced’s duration-of-status update.