Is Studying Abroad Worth It in 2026? Cost, Jobs & ROI Explained | Kushal Lodha

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In this eye-opening episode of Konversation with Kushal, Ashwin Damera - Harvard MBA graduate, CA ranker, and Co-Founder & CEO of Eruditus & Auris - sits down with Kushal Lodha to give you the most honest, unfiltered breakdown of MBA vs studying abroad in 2026 - the ROI, the real costs, the job market reality, and everything in between that nobody tells you.

From a Harvard MBA that led to a ₹1 crore loan and a McKenzie offer he rejected, to building India's largest EdTech unicorn worth $3.2 billion, Ashwin brings brutally honest insights and data-backed advice for every student, parent, and professional in India.

In this episode, you will learn:

1. Is an MBA still worth it in 2026? - Nikhil Kamath said "If you're 25 and going to an MBA college, you must be some kind of an idiot." Harvard MBA founder answers back with data.

2. Full ROI Breakdown - US undergrad costs ₹2.5 crore, UK costs ₹1.2- 1.5 crore, and now foreign universities in India for just ₹30- 60 lakhs - same degree, fraction of the cost.

3. Country-wise Study Abroad ROI - US, UK, Canada, Australia, Singapore & Germany compared - visa rejection rates, job market, work permit rules, and payback period explained.

4. Career Capital Formula - Intellectual Capital + Brand Capital + Social Capital = Career Capital. The exact framework Ashwin used to build a unicorn.

5. 3 Skills Every Student Must Learn in 2026 - AI Literacy, Soft Skills & Networking, explained in a way no school in India teaches.

6. How Foreign Universities in India Work - Same curriculum, same degree from home campus, 50% foreign faculty, semester exchange options, and scholarships up to ₹5 lakh.

7. Starting Salary Expectations : ₹15- 30 lakhs in India, ₹60- 72 lakhs if you transfer abroad, full data breakdown by discipline.

8. Biomedical Lab in Bangalore, AI Supercomputer in Mumbai - the most exciting facilities coming to India's new foreign university campuses.

9. EdTech Reality Check - Why most EdTechs failed post-2022, and why Eruditus survived at ₹4,500 crore revenue with ₹400 crore EBITDA.

10. Whether you're a 12th standard student deciding between India and abroad, a working professional eyeing an MBA, or a parent calculating ROI on your child's future - this episode will change how you think about education forever.

1-https://www.delhi.vu.edu.au/
2- https://www.abdn.ac.uk/mumbai/
3- https://www.iit.edu/mumbai
4- https://www.mumbai.bristol.ac.uk/
5- https://www.mumbai.york.ac.uk/
6- https://www.bengaluru.liverpool.ac.uk/

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Timestamp:
00:00 Intro
01:16 Things Changed in Last 2 Years
02:30 Ashwin's CA Journey
06:48 Is MBA at 25 a Mistake
10:36 Graduation in India vs Abroad
14:55 Best ROI Country for Education
18:56 Grad Cost in US, UK, Canada and Australia
24:24 Foreign University Comparison
27:00 Foreign Exposure Deep Dive
28:23 Top 100 Universities in India
34:12 Would He Send His Kids to These Universities?
37:11 Eruditus Role Deep Dive
40:28 Cost of Setting Up a University
42:02 7 Partner Universities Deep Dive
45:38 Comparison with BITS, IIT and Ashoka
54:22 How He Networks
57:46 Are Foreign Faculties Coming to India
01:02:01 Student Exposure — Foreign vs India
01:03:16 Are Foreign Students Coming to India?
01:04:25 Most Interesting Facility in These Universities
01:08:12 Most Interesting Subject
01:11:15 MBA at These Universities
01:14:18 MBA vs PGP Program
01:15:26 Top Skills to Learn in 2026
01:20:06 Scale of Eruditus
01:22:10 Most Challenging Phase
01:24:36 Eruditus Team Deep Dive
01:24:51 EdTech Phase in 2022 Deep Dive
01:27:54 What Would Mr. Ashwin Ask Himself?
01:32:23 Conclusion & Outro

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