Degree Value Calculator
ROI Analysis
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Top Degrees Overview
MBBS
₹12 lakh avg. salary
30% growth in 5 years
B.Tech CS
₹9 lakh avg. salary
25% growth in 5 years
CA
₹7 lakh avg. salary
30% growth in 5 years
MBA
₹8 lakh avg. salary
22% growth in 5 years
Data Science
₹9.5 lakh avg. salary
28% growth in 5 years
Civil Services
₹6 lakh avg. salary
10% growth + pension
Ever wondered which academic credential actually pays off in India’s booming economy? In 2025, the answer isn’t just about prestige - it’s about salary, job stability, and the speed at which you recoup tuition. Below we break down the degrees that deliver the strongest return on investment, compare key figures, and help you decide if a particular path fits your goals.
Key Takeaways
- Medical (MBBS) and Engineering (B.Tech Computer Science) top the list for highest average salaries.
- MBA and CA offer rapid earnings growth, especially in metros.
- Law (LLB) and Data Science degrees provide solid mid‑range returns with strong demand.
- Public sector routes (Civil Services) give job security but lower immediate pay.
- Choosing the right degree hinges on personal interest, regional job markets, and the cost of education.
How to Judge a Degree’s Value
We treat a degree’s value as a blend of three measurable parts:
- Average starting salary - the money you earn right after graduation.
- Long‑term earnings trajectory - how fast the salary climbs over ten years.
- Employment stability - the likelihood of staying employed in your field for at least a decade.
Adding the tuition cost gives a clear ROI picture. Data from the Ministry of Human Resource Development, Payscale 2024, and industry surveys were used to calculate the figures below.

Top High‑Value Degrees in India
Below is a quick snapshot of the degrees that consistently rank high across the three criteria.
Medical (MBBS) is a professional degree that trains doctors, offering an average starting salary of ₹12lakhs per year and a 30% salary growth within five years. The profession tops the earnings chart, especially in private hospitals and metropolitan clinics.
Engineering (B.Tech) - Computer Science is a technical degree focused on software development, algorithms, and system design, averaging ₹9lakhs starting pay and a rapid 25% salary increase in the first three years. IT hubs like Bengaluru, Hyderabad, and Pune drive demand.
MBA (Master of Business Administration) is a management qualification that equips graduates for leadership roles, with starting salaries around ₹8lakhs and a 20‑25% growth rate in mid‑size firms. Top business schools boost placement odds.
CA (Chartered Accountant) is a finance certification that guarantees high employability, offering ₹7lakhs starting salary and up to 30% growth in audit and tax firms. Demand stays steady across all states.
Law (LLB) is a professional law degree that opens careers in litigation, corporate counsel, and academia, typically starting at ₹5lakhs with a 15% salary rise over five years. Growth is strongest in metros with thriving corporate sectors.
Data Science (M.Sc / B.Tech specialization) is an interdisciplinary program combining statistics, programming, and domain knowledge, averaging ₹9.5lakhs entry salary and a 28% increase within three years. Companies in fintech and e‑commerce are major recruiters.
Civil Services (UPSC) is the gateway to high‑ranking government jobs, providing job security and perks, though the initial salary (~₹6lakhs) is lower than private‑sector equivalents. Long‑term benefits include pension and location flexibility.
Comparison of Top Degrees
Degree | Avg. Starting Salary (₹ lakhs) | 5‑Year Growth % | Typical Tuition (₹ lakhs) | ROI (Years to Break‑Even) |
---|---|---|---|---|
MBBS | 12 | 30 | 20-25 (incl. internship) | 2‑3 |
B.Tech (Computer Science) | 9 | 25 | 5-8 (public) / 8-12 (private) | 2‑4 |
MBA | 8 | 22 | 6-10 (top institutes) | 3‑5 |
CA | 7 | 30 | 2-3 (exam fees) | 1‑2 |
LLB | 5 | 15 | 3-5 | 3‑4 |
Data Science | 9.5 | 28 | 4-7 | 2‑3 |
Civil Services (UPSC) | 6 | 10 (salary rise) + pension | 0 (no tuition) | Varies - long‑term stability |
ROI and Salary Deep Dive
Let’s unpack the numbers. A medical graduate earns roughly ₹12lakhs at the first posting, but the tuition can climb to ₹25lakhs when you include private college fees and hostel costs. The break‑even point arrives after about 2.5years, thanks to the high demand for doctors in both private and government hospitals.
Engineering graduates, especially those in Computer Science, benefit from a lower tuition ceiling (₹5‑8lakhs in public institutions). Even with a starting salary of ₹9lakhs, the payback window narrows to three years, and the tech ecosystem provides abundant up‑skilling options.
MBAs see a wider tuition spread - elite IIMs charge upwards of ₹10lakhs, while newer schools sit near ₹4lakhs. The salary jump from ₹6lakhs (average) to ₹12lakhs in senior roles makes up for higher fees within five years.
Chartered Accountants stand out because the major cost is exam fees, not full‑time tuition. That’s why the ROI can be under two years for diligent candidates who clear the three levels on the first attempt.
Data Science programs, often run by private bootcamps, have become cost‑effective. With industry‑aligned curricula, graduates command near‑B.Tech salaries but generally spend less on education, delivering a swift ROI.

Choosing the Right Degree for You
Here’s a quick decision‑tree you can run in your head:
- Do you love science and patient care? If yes, MBBS is the clear winner despite the long study period.
- Are you a tech enthusiast who enjoys coding? B.Tech Computer Science or a specialized Data Science degree will get you the fastest entry into high‑pay roles.
- If leadership, strategy, and networking excite you, aim for an MBA - preferably from a school with strong corporate ties.
- Detail‑oriented with a knack for numbers? The CA route offers low upfront cost and strong demand in audit, tax, and finance.
- Passionate about law, advocacy, or corporate compliance? The LLB gives a solid middle‑range salary with diverse career paths.
- Seeking job security and a respected public‑service role? Prepare for the UPSC and its associated civil services.
Remember, “most valuable” isn’t one‑size‑fits‑all. Factor in where you want to live, the industry concentration in that region, and how much you’re willing to invest upfront.
Common Pitfalls to Avoid
- Choosing a degree solely because it sounds prestigious, without checking market demand.
- Underestimating the total cost of education - include books, coaching, and opportunity cost.
- Ignoring the importance of internships and real‑world projects, which boost employability.
- Failing to stay updated with industry certifications (e.g., AWS for engineers, CPA for accountants).
- Assuming a single degree guarantees lifelong security; continuous up‑skilling is a must.
Frequently Asked Questions
Which degree gives the highest starting salary in India?
Medical (MBBS) consistently tops the chart, with graduates earning around ₹12lakhs per year right after their internship.
Is an MBA worth the cost in 2025?
Yes, if you attend a school with strong corporate connections and aim for managerial roles. The ROI typically materialises within 3‑5years, especially in finance, consulting, and tech‑enabled firms.
How does a Chartered Accountant compare to an MBA in terms of earnings?
A CA starts lower (≈₹7lakhs) but enjoys a faster growth rate (≈30% in five years) and lower tuition. Over a decade, a CA can out‑earn many MBAs, especially if they move into senior finance or consultancy roles.
Are data‑science degrees a good investment compared to traditional engineering?
Data‑science programs often cost less than private engineering colleges and deliver salaries close to B.Tech graduates. Their relevance across sectors (finance, health, e‑commerce) makes the ROI very attractive, typically 2‑3years.
What are the non‑salary benefits of joining the Indian Civil Services?
Civil Service officers gain job security, government housing, pension, and the ability to influence policy. While the early salary (≈₹6lakhs) is modest, the long‑term perks often outweigh pure monetary gain.
Should I consider a law degree if I want a high‑pay career?
Law can be lucrative, especially in corporate or IP sectors, but the average start is lower than medicine or tech. Success depends heavily on networking, internships, and the prestige of the law school.
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