US Trip Cost From India: 12-Day Budget for 2, Visa Fee Included

US Trip Cost From India: 12-Day Budget for 2, Visa Fee Included

A 12-day US trip for 2 from India can cost about Rs. 6.1 lakh, with flights and hotels taking 60% of it. The visa process takes months, so it sets when you can book.
FAQs

FAQs

Video

Video

Rs. 40,000 - Rs. 75 lakh

Calculate your EMIs

You may be eligible for a pre-approved offer

Check now

Enter mobile and OTP | Check offer | No branch visit needed

 
 

In summary

Plan a US trip around the visa first. Each traveller pays a USD 185 application fee for a B1/B2 visitor visa and attends an interview, and appointment waits can run to months. A 12-day trip for 2 on the West Coast can come to about Rs. 6.1 lakh at Rs. 88 to the dollar. Build in tips, taxes and an open-jaw ticket, and fix the dates early.


  • Visa fee: USD 185 per person. 
  • Flights and hotels: 60% of the budget. 
  • Start the visa 3 or more months ahead. 
  • Tips and taxes add 20% to meals. 

Planning the trip? Check your loan offer with your phone number and a one-time password (OTP) → apply online → receive funds within 24 hours* of approval.

How much does a 12-day US trip cost?

Most costs on a US trip are in dollars, so the exchange rate shapes the total as much as your choices do. The sample budget below is for a couple flying from Bengaluru to San Francisco, staying in mid-range hotels and driving down the West Coast, converted at an assumed Rs. 88 to the dollar.


Sample budget for 2, at Rs. 88 to the US dollarCost (Rs.)
B1/B2 visa application fee for 2 (USD 370)32,560
Return flights for 2, Bengaluru to San Francisco2,20,000
11 nights in mid-range hotels (USD 1,650)1,45,200
Food for 12 days (USD 960)84,480
Car rental, fuel and 1 domestic flight (USD 700)61,600
Park and museum entries (USD 600)52,800
Travel insurance for 212,000
Total6,08,640

Last updated: 26th October, 2026


Flights and hotels take Rs. 3.65 lakh of the total, about 60%, so they are where your choices matter most. The dollar costs, about USD 4,280 in all, also move with the exchange rate: a 1-rupee change shifts this budget by about Rs. 4,300. Check the current rate and fares for your own dates before you fix a budget.

Show More Show Less

How long does the visa take?

The visa is the longest step in planning a US trip, and it decides when you can safely book. The B1/B2 visitor visa process runs in 4 stages:

  • Pay the fee and fill in the DS-160 form: The form asks for your travel, work and family details, so keep your passport and employment details at hand, and save the confirmation page. 
  • Book biometrics and interview slots: Wait times vary by city and season, so check them on travel.state.gov and book the earliest slot you can. 
  • Attend the interview: The officer asks about the purpose of your US trip, your job and your plans to return, and the answers matter more than the papers. 
  • Passport returned with the visa: This takes 7 to 10 working days after approval in most cases, and longer if more checks are needed. 

A separate USD 250 visa integrity fee has been legislated, but no start date had been announced at the time of writing. Check the official fee page before you pay.

Show More Show Less

What documents help at the visa interview?

The officer is looking for a clear purpose and strong ties to India, meaning a job, family or property you will return to. Carry these papers to the US trip visa interview, even if you are not asked for them:

  • Salary slips and an employment letter: These show a steady job in India and leave approval for the trip. 
  • Bank statements: These show you can pay for the US trip without working in the US. 
  • Income tax returns: These show a stable income history over 2 or 3 years. 
  • Trip plan and hotel bookings: These show a clear purpose and fixed dates. 

Answer questions briefly and truthfully. Documents back your answers; they do not replace them.

Show More Show Less

When should you travel?

The season changes both the weather and the fares, and the right choice depends on where you are going:

  • April to May: Mild weather and spring flowers, with moderate fares, a good time for cities and national parks. 
  • June to August: Warm and busy with summer holidays, when demand and fares peak and parks are crowded. 
  • September to November: Cooler, with autumn colours in the north-east and moderate fares. 
  • December to March: Cold and snowy in the north, with lower fares outside the Christmas holidays, though some park roads close. 

Book flights for a US trip only after the visa is stamped, unless the ticket is refundable.


Vikram's trip with his wife

Vikram, 39, works as a salaried semiconductor design engineer in Bengaluru, with Rs. 1,40,000 a month in salary and a 781 CIBIL score. He planned a US trip with his wife along the route and budget on this page. Rs. 2.34 lakh came from savings, and a loan of Rs. 3.75 lakh at an illustrative 13.5% per annum filled the gap. The table gives his equated monthly instalment (EMI) for 24 and 36 months.


EMI = P × R × (1 + R)^N ÷ [(1 + R)^N − 1]. Here P = Rs. 3,75,000, R = 13.5 ÷ 1,200 and N = months.


TenureMonthly EMI (Rs.)Total interest (Rs.)EMI as share of salary (%)
24 months (2 years)17,91654,99312.8
36 months (3 years)12,72683,1269.1

Last updated: 26th October, 2026


The extra year brings the EMI down by Rs. 5,190 and the interest up by Rs. 28,133. Processing would cost up to Rs. 15,488. Vikram chose 24 months, so the US trip would be paid off within 2 years.


What can delay approval: a CIBIL score below 650 or existing EMIs that take up a large share of your income. Names or addresses that do not match across documents, and more than one loan application in the same month, can also slow it down.


Budgeting for a US trip? With a Bajaj Finance Personal Loan, you can borrow Rs. 40,000 to Rs. 75 lakh, subject to eligibility. Check your loan offer with your phone number and a one-time password (OTP) → apply online → receive funds within 24 hours* of approval.

Show More

How do you plan a 12-day route?

The US is large, and a US trip route that crosses the country can lose 3 or 4 days to flights and airports. Building the US trip around one coast keeps travel time down. The table shows the West Coast route behind the sample budget.


DaysWhereHighlights
1 to 4San FranciscoGolden Gate Bridge, cable cars, Alcatraz
5 to 6Yosemite National ParkValley floor, waterfalls, Glacier Point
7Highway 1 down the coastBig Sur viewpoints
8 to 11Los AngelesGriffith Observatory, beaches, a studio tour
12Fly home from Los AngelesOpen-jaw ticket avoids backtracking

Last updated: 26th October, 2026


An open-jaw ticket, landing in one city and leaving from another, saves a day of driving back to San Francisco. Price it against a simple return before you book, as the saving in time can outweigh a small difference in fare.

Show More

How can you cut the cost?

Some choices lower the total without changing the trip much:

  • Travel in April to May or September to November: Fares and hotel rates for a US trip are lower than in summer, and the weather on the West Coast is still pleasant. 
  • Stay in motels or rented homes outside city centres: Nightly rates fall sharply a short drive from the centre, especially in San Francisco. 
  • Buy a national parks annual pass: One price covers entry to every national park for a year, which pays off if you visit 2 or 3. 
  • Cook 1 meal a day in a rented home: Restaurant meals with tax and tip add up fast, and a kitchen cuts the food line of a US trip. 

Fix the dates of your US trip early, as fares rise closer to departure.

Show More

What catches Indian visitors out?

Some costs and rules come as a surprise on a first US trip:

  • Sales tax: It is added at the till, so the price on the shelf or menu is lower than what you pay. 
  • Tipping: 15% to 20% is expected in restaurants and for taxis, and it is not optional in practice. 
  • Driving: Carry your Indian licence and an International Driving Permit, as rules vary by state and rental company. 
  • Healthcare: Treatment is costly without insurance, so a travel policy with good medical cover is essential. 
  • Resort and city fees: Some hotels add a daily fee at checkout that is not in the room rate you booked. 

Build tips and taxes into the food and hotel lines of your budget. They can add 20% or more to those costs.

Show More

Can you get a personal loan to cover the trip cost?

Yes. Flights, hotels and insurance for a US trip can all be paid from a Bajaj Finance Personal Loan, repaid in fixed monthly instalments. The range is Rs. 40,000 to Rs. 75 lakh, over 12 months to 108 months. Indian nationals from 21 years to 80 years years of age with a CIBIL score of at least 650 can apply. Apply once the visa is stamped and your dates are fixed.

Show More

Key offerings: 3 loan types

  • Flexi Hybrid Loan
  • Flexi Dropline Loan
  • Term Loan

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    You can pay interest-only EMIs for up to 36 months, after which, the EMI will consist of both, the principal and the interest. EMI is applicable only on the withdrawn amount.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest on the loan amount you withdraw.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Amount disbursed in one go
    The entire loan amount is disbursed at the start.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest.

  • Flexi facility charges
    No Flexi facility charges.

Personal loan interest rate and applicable charges

Type of fee

Applicable charges

Rate of interest per annum

10% to 30.5% p.a.

Processing fees

Up to 4.13% of the loan amount (inclusive of applicable taxes).

Flexi Facility Charge

Term Loan – Not applicable

Flexi Loans –Up To Rs 1,999 To Up To Rs 18,999/- (Inclusive Of Applicable Taxes)

Will be deducted upfront from loan amount.

Bounce charges

Rs. 700 to Rs. 1,200/- per bounce

“Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason.

Part-prepayment charges

Full Pre-payment:

  • Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment

  • Flexi Term (Dropline) Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

  • Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

Part Pre-payment

  • Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-Payment.

  • Not Applicable for Flexi Term (Dropline) Loan and Flexi Hybrid Term Loan.

Penal charge

Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.

Stamp duty (as per respective state)

Payable as per state laws and deducted upfront from loan amount.

Annual maintenance charges

Term Loan: Not applicable

Flexi Term (Dropline) Loan:

Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges.


Flexi Hybrid Term Loan:

Up to 0.472% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Tenure. Up to 0.295% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure

Credit guarantee scheme feeUp to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount
Credit guarantee scheme renewal feeUp to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount as on April 01 of the subsequent Financial Year.
*Renewal Fee to be collected only for 3 subsequent financial years.
 
**If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated.

Not your nearest branch?

Banner_NEW_Storelocator_XAOP_App_27072026.png

Frequently asked questions

Budget

Planning

How much does a US trip cost from India?

In this example, 12 days for 2 came to about Rs. 6.09 lakh, including visa fees, flights from Bengaluru, mid-range hotels, food, a rental car and park entries. Costs depend on the season, cities and type of stay. Convert dollar costs at the current rate and take fresh quotes for your own US trip.

The B1/B2 visitor visa application fee is USD 185 per person, paid before you book the interview. A USD 250 visa integrity fee has been legislated, but no start date had been announced at the time of writing. Check the official US visa fee page for India before you pay for your US trip.

Start at least 3 months before travel, and earlier in peak season, as interview waits vary by city. Check current wait times on the US State Department website. Book refundable flights, or wait until the visa is stamped, so a delay does not cost you money on your US trip.

Rules vary by state and rental company. Carry your valid Indian driving licence together with an International Driving Permit, issued by your regional transport office before you leave. Rental companies also ask for a credit card in the driver's name. Remember that the US drives on the right, so plan a short first drive on your US trip.

Show More Show Less

Related articles

Article 1

Places to visit in Turkey

Jul 14, 2026

Read More

 Article 2

Places to Visit in Seoul

Apr 30, 2026

Read More

 Article 3

दक्षिण भारत में मई में घूमने लायक 10 सर्वश्रेष्ठ जगह

Read More

 Article 4

Why Should You Use Bajaj Finance Personal Loan to Finance Your Next Vacation?

Oct 30, 2026

Read More

You are here

Related Links

Disclaimer

Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.
For customer support, call Personal Loan IVR: 7757 000 000