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Hi Dolly!
There's a lot of difference between these two institutions. St. Xavier's college is just a college, and St. Xavier University is a university. There's a lot of difference between a college and a university. St. Xavier's college still offers degrees under the name of Calcutta University and will continue to do so for the upcoming three years at least. But St. Xavier's University will offer degrees under its own name after the first session starts from this July. As for the pay structure, most of the courses offered by St. Xavier's college are government funded and thus people who join these courses enjoy a huge subsidy. So naturally, the fee is low. On the other hand, St. Xavier University is a private university and so does't enjoy government subsidy. So the fee is high.