An illustrative six-night trip for two from Kolkata, travelling by train and road, costs Rs. 1,10,000. The estimate covers transport, accommodation, the supplied SDF amount, meals, monument entry fees and a contingency.
| Expense | Estimated cost for two (Rs.) |
|---|
| Return train travel between Kolkata and Hasimara | 6,000 |
| SDF for six nights | 14,400 |
| Accommodation for six nights | 30,000 |
| Car with driver for six days | 30,000 |
| Food | 15,000 |
| Monument entry fees | 8,000 |
| Contingency | 6,600 |
| Total | 1,10,000 |
Last updated: 22nd October, 2026.
These are illustrative budget figures, not confirmed quotes. Check current transport fares, hotel rates, vehicle costs and entry charges before finalising the itinerary. The SDF amount also requires verification against the current official rate.
Flying into Paro can reduce road travel time but changes the transport budget. Compare the total cost of flights with the train-and-road route, including transfers, before choosing either option.
How Sneha budgets for Bhutan
Sneha is 28, lives in Kolkata and works as a salaried bank operations officer. She earns Rs. 52,000 per month and has a CIBIL Score of 748. She plans to visit Bhutan in October with a friend.
Her estimated trip budget is Rs. 1,10,000. She plans to use Rs. 40,000 from savings and borrow the remaining Rs. 70,000. To understand the repayment commitment, she compares an illustrative interest rate of 16% per annum over 12 and 18 months.
EMI = P × R × (1 + R)^N ÷ [(1 + R)^N − 1]
Here, P is the principal in rupees, R is the monthly interest rate expressed as a decimal, and N is the number of monthly instalments. For Sneha, P = Rs. 70,000, R = 16 ÷ 1,200 and N is either 12 or 18.
| Repayment tenure | Monthly EMI (Rs.) | Total interest (Rs.) | EMI as a share of monthly salary |
|---|
| 12 months | 6,351 | 6,214 | 12.2% |
| 18 months | 4,400 | 9,199 | 8.5% |
Last updated: 22nd October, 2026.
The 18-month tenure reduces Sneha's monthly EMI by approximately Rs. 1,951 but adds Rs. 2,985 in interest compared with the 12-month option. The figures are illustrative and exclude processing fees and other applicable charges.
Before choosing a tenure, Sneha needs to account for rent, household expenses, savings and existing EMIs. She should also budget for the processing fee, which could be up to Rs. 2,891 on a Rs. 70,000 loan at the supplied maximum fee rate of 4.13%, inclusive of applicable taxes.
A shorter tenure costs less in interest but requires a higher monthly payment. An 18-month tenure leaves more monthly income available for other expenses, at a higher overall borrowing cost. Sneha should choose the option that fits her actual budget rather than the one with the lowest EMI alone.
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