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Can middle class people become pilots?

Becoming a pilot has long been seen as a career for the wealthy. The aircraft, uniforms, and international travel make it look out of reach for many. But today, middle-class people can become pilots in India — and hundreds already are. It's not easy, but it’s absolutely possible.

Let’s break it down. How can someone from a regular Indian family with limited income manage ₹35–50 lakh for pilot training? Is it even realistic?

Here’s the real answer — and a practical guide to making it happen.

The Reality: Yes, Pilot Training Is Expensive

Commercial Pilot License (CPL) training in India usually costs around ₹35–50 lakhs. If you plan to train abroad, it can be slightly cheaper, but conversion costs will bring it to a similar total.

Training ComponentEstimated Cost (INR)
Ground School & DGCA₹2–3 Lakhs
200 Flying Hours₹30–40 Lakhs
Medical Tests (Class 1/2)₹25,000 – ₹50,000
RT License Prep₹10,000 – ₹20,000
DGCA Exam Fees₹25,000 – ₹40,000
Miscellaneous₹1 – ₹2 Lakhs

Total: ₹35–50 Lakhs

So How Can a Middle-Class Student Afford Pilot Training?

This is where planning, awareness, and the right choices matter. It’s not about being rich — it’s about being strategic.

Let’s explore how students from ordinary families are making it possible.

Ordered List: Step-by-Step Guide to Becoming a Pilot from a Middle-Class Background

  • Start planning by age 16–18
  • Do proper cost research across flying schools
  • Prepare seriously for DGCA exams to avoid failures
  • Apply for education loans with collateral
  • Use EMI for ground school and RT training
  • Train in phases — not in one go
  • Join DGCA prep classes like
  • Look for aviation scholarships or community grants
  • Avoid luxury flight schools
  • Choose affordable cities for training

1. Education Loans: The Middle-Class Lifeline

Most middle-class students use secured education loans from nationalized banks.

BankLoan RangeInterest RateCollateral Needed?
SBI Ed-Vantage₹10 – ₹50 Lakhs8.25% – 9.5%Yes
Bank of Baroda₹7 – ₹40 Lakhs8% – 10%Yes
Avanse / HDFC Credila₹5 – ₹25 Lakhs11% – 13%Optional

Tip: Get admission to a DGCA-approved school for faster loan processing.
Golden Epaulettes Aviation helps students with loan paperwork and school selection.

2. EMI for Ground School, RT, and DGCA Preparation

Flying costs can’t be paid in EMI, but support training like:

  • DGCA Ground School
  • RT license training
  • Cadet interview prep
  • SOP coaching
  • ...can be paid monthly.

offers EMI for ground modules starting at ₹4,000–₹8,000/month.

3. Train in Phases

Instead of paying ₹40 lakhs at once, many students break it up:

Training Phases Table:

PhaseModuleCost Range
1Ground School + DGCA₹2 – ₹3 Lakhs
2First 100 Flying Hours₹15 – ₹18 Lakhs
3Final 100 Hours + Sim Training₹15 – ₹20 Lakhs
4Licensing, RT, Interview₹1 – ₹2 Lakhs

This method gives time to arrange funds after each step.

4. Scholarships for Middle-Class Pilots

Although rare, you can explore:

  • State government scholarships
  • Women in Aviation India (WAI) grants
  • Private NGOs supporting aviation
  • Airline-sponsored cadet programs

Keep your marksheets, ID, and financial proof ready for these.

5. Join a Cadet Program (If You Can Afford Initial Costs)

Programs like IndiGo Cadet, Air Asia Cadet offer:

AirlineCadet Program FeeJob Assured?
IndiGo₹80–90 LakhsYes
AirAsia₹75–85 LakhsYes

While costly upfront, banks approve loans easily due to job assurance.

provides cadet program training, mock tests, and SOP coaching.

Unordered List: Other Ways Middle-Class Students Save Costs

  • Choose training locations like Guna, Jalgaon, Gondia
  • Buy second-hand aviation books and headsets
  • Live in shared hostels or PGs
  • Avoid frequent DGCA re-attempts
  • Study thoroughly using Golden Epaulettes’ resources
  • Plan around weather to avoid flight delays

6. Should You Train Abroad?

Some students train in South Africa or the Philippines where flying is cheaper. But conversion fees apply.

CountryTraining CostDGCA Conversion Required?
South Africa₹25–30 LakhsYes
Philippines₹27–33 LakhsYes
USA₹35–40 LakhsYes

Golden Epaulettes Aviation helps with DGCA conversion classes, licensing, and exam prep for foreign-trained students.

Real Example: Ritesh, a Middle-Class Student from Bihar

  • Family income: ₹4.5 LPA
  • Took SBI loan for ₹35 Lakhs
  • Trained at an affordable DGCA-approved school in Madhya Pradesh
  • Used EMI for DGCA ground school at Golden Epaulettes Aviation
  • Cleared DGCA exams in first attempt, no retakes
  • Now waiting for airline selection interviews

Budget Planning Table: Middle-Class Pilot Plan

SourceAmount (INR)
Family Savings₹5 – ₹7 Lakhs
Education Loan₹30 – ₹35 Lakhs
Part-time Job/Side work₹1 – ₹2 Lakhs
EMI on Coaching₹1 – ₹2 Lakhs
Scholarship/Support₹1 Lakh

DGCA Exam Prep: The Most Affordable Investment

  • Failing a DGCA paper means:
  • ₹2,500–₹3,000 per reattempt
  • Wasted 3–6 months
  • Extra hostel and meal costs

Golden Epaulettes Aviation provides:

Saving you both money and time.

Final Advice for Middle-Class Aspiring Pilots

What to Do:

  • Start early, plan every rupee
  • Use loan + EMI + support wisely
  • Train in phases, avoid over-spending
  • Learn DGCA rules, don’t skip basics
  • Rely on real educators, not flashy ads

What to Avoid:

  • Random schools without DGCA approval
  • Re-attempting DGCA exams multiple times
  • Training abroad without knowing conversion steps
  • Believing myths — pilot training is hard, but not impossible

Conclusion: Yes, Middle-Class People Can Become Pilots

Becoming a pilot from a middle-class family is not a dream — it’s a goal with a clear path. You don’t need crores. You need:

  • Planning
  • Financial tools
  • Serious study habits
  • Support from experienced mentors like Golden Epaulettes Aviation

Thousands of students from ordinary homes are now first officers in major airlines. Why not you?

Ready to take the first step?

Visit Golden Epaulettes Aviation to learn about CPL exam prep, EMI plans, doubt-solving sessions, and everything else you’ll need to become a pilot — even if you come from a middle-class home.

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GE has a team of experienced faculty that includes Qualified Instructors. Golden Epaulettes Aviation is an ISO certified pilot training institute based in New Delhi, that offers multiple courses from the ab-intio till the cockpit of commercial airliner. GE has been a leading pilot training academy in India since a decade now and we fully recognized our responsibility towards aviation industry as a whole. There has been a high demand of competent, skilful professional pilots in the industry and we are committed to develop & train a pool of professionals to fulfil the need of the industry.
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