Study abroad guidance · Canada

Study in CanadaStudent Visa Guidance from Jalandhar

Explore Canadian colleges and universities, compare programs that fit your background, and prepare a clear study plan with guidance from Sandhu Overseas.

Sikh Indian student by Lake Ontario with the CN Tower and Toronto skyline behind him

Information on this page was checked against official Government of Canada sources on 22 October 2026. Reviewed by Mandeep Sandhu, Sandhu Overseas, Jalandhar. Next scheduled review: January 2027. Rules, fees and amounts change — always confirm on the IRCC page linked beside each point before you act.

In short

  • You need an offer from a designated learning institution (DLI), a Provincial Attestation Letter in most cases, and proof that you can pay for your first year.
  • Living funds for a single applicant outside Quebec are CAN$23,448 (approx. ₹15.43 lakh), on top of first-year tuition and travel.
  • The Student Direct Stream closed on 8 November 2024. Everyone now applies through the regular study permit stream.
  • A GIC is not compulsory. It is one accepted way to show living funds, not the only one.
  • Eligible students may work up to 24 hours a week off campus during study terms.
Up to 408,000Study permits IRCC plans for 2026
CAN$23,448 (approx. ₹15.43 lakh)Living funds, one applicant
24 hours a weekOff-campus work during term
Up to 3 yearsPGWP after a 2-year program

The short forms, in plain language

Canadian study permit pages are full of abbreviations. These are the ones you will actually meet.

IRCC

Immigration, Refugees and Citizenship Canada. The government department that decides your study permit.

DLI

Designated Learning Institution. A school approved to host international students. A study permit is only issued for a DLI.

PAL / TAL

Provincial or Territorial Attestation Letter. Proof that your province has a place for you. Most applications need one, and your institution requests it.

CAQ

Quebec Acceptance Certificate. Quebec’s own approval. It is used instead of a PAL if you study in Quebec.

GIC

Guaranteed Investment Certificate. A Canadian bank product some students use to show living funds. It is not compulsory.

SDS

Student Direct Stream. A faster route that closed on 8 November 2024. It no longer exists.

PGWP

Post-Graduation Work Permit. A permit that lets eligible graduates work in Canada after they finish. Eligibility depends on the program, not only the school.

VAC

Visa Application Centre. Where you give your biometrics in India after you submit the application.

Why students from Jalandhar and Doaba look at Canada

Canada remains one of the most-asked-about destinations at our Jalandhar office, and the reasons are practical rather than emotional. A student who plans properly can work part-time through the academic year, stay on to work after graduating, and in many cases build the Canadian work experience that permanent-residence programs ask for. None of that is automatic, and every step has conditions attached — but the pathway is published, and it is the same pathway for everybody.

You can work while you study

Eligible full-time students at a designated learning institution may work up to 24 hours a week off campus during academic sessions, and without a cap during scheduled school breaks. On-campus work has no hourly cap at all. You need a SIN, and your program must already have started.

A published route to work after graduating

The Post-Graduation Work Permit gives graduates of eligible programs an open work permit — up to three years after a two-year program, and three years for a master’s degree even when the master’s itself is shorter. It is granted once in a lifetime, and the eligibility rules tightened in late 2024.

Study options at every level

Colleges, polytechnics and universities across ten provinces hold designated learning institution status, from one-year postgraduate certificates to research master’s and doctoral programs. Course choice drives everything downstream — work rights, permit length, and whether a PGWP is available at all.

Family routes exist — but they narrowed

Since January 2025, an open work permit for a spouse or common-law partner is limited to students in a master’s program of 16 months or longer, a doctoral program, or certain listed professional degrees. If taking your spouse matters to your plan, that constraint has to shape your course choice from day one.

What changed recently — read this before you apply

Most of the advice circulating in Jalandhar is two years out of date. Between November 2024 and September 2026 the Government of Canada rewrote large parts of the international student framework. If you are working from a cousin’s experience from 2023, almost every number below has moved.

ChangeWhat it means for youIn effect
Provincial Attestation Letter (PAL/TAL)Most applicants must now submit a letter from the province confirming a study space, with the application. Quebec uses a CAQ instead.Current
Student Direct Stream closedSDS and Nigeria Student Express ended. Everybody applies through the standard stream. The old “IELTS 6.0 in each band for SDS” rule no longer exists.8 Nov 2024
Off-campus work raisedFrom 20 to 24 hours a week during academic sessions.Nov 2024
No school changes on the same permitPost-secondary students must apply for and be approved for a new study permit before switching institutions.Nov 2024
PGWP language + field-of-study rulesA language test is now required for the PGWP, and non-degree graduates must come from an eligible field of study.1 Nov 2024
Spouse open work permit narrowedLimited to spouses of students in longer master’s, doctoral and listed professional programs.21 Jan 2025
PAL exemption for graduate degreesDegree-granting master’s and doctoral programs at a public DLI no longer need a PAL — but you must submit proof of the exemption.1 Jan 2026
Living-cost requirement raisedA single applicant must now show CAN$23,448 (approx. ₹15.43 lakh) for living expenses, up from CAN$22,895 (approx. ₹15.06 lakh).1 Sep 2026

Sources: IRCC new international student regulations, end of the Student Direct Stream, changes to family open work permits.

The Provincial Attestation Letter (PAL), explained

This is the single most common gap we see in applications prepared without current guidance, and it is the one thing almost no consultancy website in Punjab explains. A PAL is a letter from the province or territory where you intend to study, confirming that a space has been allocated to you under Canada’s study permit cap. Your designated learning institution applies for it; the province issues it.

It goes in with the application

A PAL is not something you add later. It must be submitted with your study permit application and must be valid on the day you apply — not on the day your course starts. Each applicant needs their own, including family members applying alongside you.

It expires with the cap year

A letter issued for the 2026 cap year is valid until 31 December 2026 unless it shows an earlier date, and it is tied to the school that is named on it. A letter from a previous cap year cannot be reused.

Some applicants are exempt

School students up to grade 12, degree-granting master’s and doctoral students at a public DLI (from January 2026), exchange students paying no tuition, Global Affairs Canada scholarship holders and several other categories do not need one. Exempt applicants must still submit proof of the exemption.

You will need a new PAL if yours has expired, your previous application was decided either way, you change schools, you change level of study, you extend at a different institution, or you are restoring your student status. Getting the letter usually requires accepting your offer and paying tuition in part or in full, so it sits inside your admission timeline, not after it.

Official source: IRCC — Provincial attestation letter.

Proof of funds: the current figures

These amounts cover living expenses only. Tuition and travel are additional, and the figures apply to applications submitted on or after 1 September 2026. Quebec sets its own cost-of-living requirement through its immigration ministry.

People coming to CanadaFunds required for a year (outside Quebec)
1 — you onlyCAN$23,448 (approx. ₹15.43 lakh)
2CAN$29,192 (approx. ₹19.21 lakh)
3CAN$35,888 (approx. ₹23.61 lakh)
4CAN$43,572 (approx. ₹28.67 lakh)
5CAN$49,419 (approx. ₹32.52 lakh)
6CAN$55,736 (approx. ₹36.67 lakh)
7CAN$62,054 (approx. ₹40.83 lakh)
Each additional person beyond 7CAN$6,318 (approx. ₹4.16 lakh)
A GIC is not compulsory. This is the most widespread myth we hear. IRCC lists a Guaranteed Investment Certificate from a Canadian financial institution as one acceptable example of proof of funds, alongside several others. Many students use a GIC because it is simple to document — not because the rules demand it.

Evidence IRCC lists as acceptable includes:

  • A GIC from a Canadian financial institution
  • A receipt from your DLI showing first-year tuition and housing paid
  • A bank student or education loan from a financial institution
  • Six months of bank statements that show where the income came from
  • A Canadian bank account in your own name, if money has already been transferred
  • A scholarship, or funding under a Government of Canada programme
  • Recent pay stubs, pension documents, or proof of rental income
  • A letter from whoever is funding you, stating their employment, their relationship to you, their dependants and the amount — with proof of the relationship and their identification

You do not need every one of these. You need enough to satisfy an officer that the money exists, that it is yours or lawfully available to you, and that it can be traced. In our experience the applications that struggle are rarely the ones with too little money; they are the ones where large deposits appear shortly before filing with no explanation of where they came from.

Official source: IRCC — Proof of financial support.

The five things IRCC actually requires

Canada’s published eligibility list for a study permit is short. Everything else you read about is either evidence supporting one of these five points, or a separate requirement that applies later.

  • You are enrolled or registered at a designated learning institution
  • You can prove you have enough money for tuition, living costs and return travel — for yourself and any family members coming with you
  • You obey the law, have no criminal record, and provide a police certificate if one is requested
  • You are in good health and complete a medical examination if one is required
  • You satisfy an officer that you will leave Canada when your permit expires

Note what is not on that list: a language test. IRCC does not set an English or French test requirement for the study permit itself. Colleges and universities set their own admission language standards, and they vary widely. A language test does become mandatory later, when you apply for a Post-Graduation Work Permit.

Official source: IRCC — Study permit: who can apply.

Check your college is a DLI — and check the PGWP separately

A designated learning institution is a school approved by a provincial or territorial government to host international students. If your school is not on the list, your study permit application cannot succeed. The list is searchable on the IRCC website and every DLI has a number that goes on your application form.

DLI status does not mean your course leads to a work permit. IRCC states plainly that not all programs offered by a DLI are PGWP-eligible. Course-level eligibility — program length, credential type, field of study, and whether the program is run under a public–private curriculum licensing arrangement — is a separate check, and it must be done before you pay a deposit, not after you graduate.

Official sources: IRCC — Designated learning institutions list · PGWP eligibility.

Documents you will need

Always required

Your validated letter of acceptance from the DLI; proof of identity — a valid passport for you and each family member travelling, plus two recent passport-size photographs with your name and date of birth on the back; and proof of funds.

Required in most cases

A Provincial or Territorial Attestation Letter, or a Quebec Acceptance Certificate (CAQ) if you are studying in Quebec. If you are exempt, submit the proof of your exemption instead.

Recommended

A letter of explanation setting out why you want to study in Canada, why this program, and that you understand your responsibilities as an international student. IRCC recommends it; we treat it as essential, because it is where your study plan is made coherent.

Check whether these apply

An immigration medical examination; a police certificate; proof of custodianship for a child under 17 not travelling with a parent or guardian; and any country-specific documents your local visa office requires.

An incomplete application can be returned to you without being processed, which costs you an intake. Use IRCC’s online questionnaire to generate your personalised document checklist before you start uploading, and read Instruction Guide 5269 rather than relying on a summary of it.

Official source: IRCC — Get your documents ready.

How the application works, step by step

Choose a program and a DLI, and check PGWP eligibility first

Work backwards from what you want after graduation. Confirm the school is a DLI, and confirm the specific program is PGWP-eligible if a work permit matters to you.

Accept your offer and obtain your PAL or CAQ

This usually means paying part or all of your first-year tuition. The province issues the letter through your school; build the time into your intake planning.

Assemble funds and documents, and write your study plan

Six months of traceable bank history is worth more than a sudden balance. Your letter of explanation should connect your past study, your chosen program and your plans honestly.

Create an IRCC secure account and submit

Answer the online questions to get your personalised checklist, upload each document in its correct slot — the letter of acceptance goes only in its own space — and pay the processing and biometric fees.

Give your biometrics within 30 days

Most applicants aged 14 to 79 provide fingerprints and a photograph. Book the appointment as soon as the request letter arrives. Biometrics are generally valid for ten years.

Complete the medical examination with a panel physician

Applicants from India need an immigration medical exam for stays over six months. It must be done by an IRCC panel physician — your own doctor cannot do it, and the physician does not make the decision.

Respond to anything IRCC asks for

IRCC may request more information, an interview, a police certificate or an updated letter of acceptance. Deadlines here are real; a missed one is treated as a non-response.

Receive the decision and prepare to travel

If approved from outside Canada you receive a port of entry letter of introduction — this is not your study permit — plus a visa or eTA. The permit itself is issued when you arrive and your identity is checked.

Official sources: IRCC — How to apply · After you apply · Medical exam requirements. Study permit and biometric fees are published by IRCC and change from time to time — check the current amounts on the IRCC page before paying.

Working while you study

WhereDuring academic sessionsDuring scheduled school breaks
Off campusUp to 24 hours a week, across all jobs combinedNo limit on hours
On campusNo limit on hoursNo limit on hours

To work at all you must be a full-time student at a DLI who has started the program, be enrolled in a post-secondary academic, vocational or professional program of at least six months leading to a degree, diploma or certificate, hold a study permit carrying work conditions, and have a Social Insurance Number. Part-time study is accepted only in your final semester, where a full load is no longer needed to finish. You cannot work before your program begins, and you must stop during an authorised leave or while switching schools. If your program has no scheduled breaks, the 24-hour limit applies all year.

Official sources: IRCC — Work off campus · Work on campus.

After you graduate: the Post-Graduation Work Permit

The PGWP is an open work permit, which means you are not tied to one employer. You may receive one only once in your life, so the decision about which program to study is also a decision about this permit.

Program you completedWork permit length
Less than 8 monthsNot eligible for a PGWP at all
8 months to under 2 yearsUp to the same length as the program
2 years or moreUp to 3 years
Master’s degree (at least 8 months)Up to 3 years, even if the program is shorter than 2 years

Certificate and diploma programs do not get the master’s concession, and the permit can never run longer than your passport’s validity. You must apply within 180 days of the confirmation that you finished, and you must have held a valid study permit at some point during those 180 days.

Two further requirements arrived on 1 November 2024, and they are easy to confuse:

Your credentialLanguage level, all four skillsField-of-study restriction
Bachelor’s, master’s or doctoral degreeCLB / NCLC 7None
Other university programCLB / NCLC 7Applies
College, polytechnic or non-university programCLB / NCLC 5Applies

The language requirement is keyed to the date you apply for the PGWP; the field-of-study requirement is keyed to the date you applied for your study permit. Accepted tests are CELPIP-General, IELTS General Training and PTE Core for English, and TEF Canada or TCF Canada for French, with results less than two years old. The eligible field-of-study list is published by IRCC and tied to labour-market shortages; IRCC has stated that it will not add or remove fields during 2026, which means the list should be re-checked for 2027. Study completed online from outside Canada after 31 August 2024 does not count towards the permit, and at least half your program must be completed in class in Canada.

Official sources: IRCC — About the PGWP · Field of study requirement.

Can your spouse or children come with you?

Since 21 January 2025 an open work permit for a spouse or common-law partner is available only where the student holds a valid study permit and is enrolled in a master’s program of 16 months or longer, a doctoral program, or one of the listed eligible or professional degree programs — which include MD, JD, LLB, BCL, DVM, BScN or BSN, BEd, and BEng or BASc. The partner’s permit normally matches the study permit’s validity, and it cannot be extended into the student’s final term.

IRCC’s published rules name spouses and common-law partners as the eligible family category for this permit. Children’s situations are assessed separately, and a minor child attending preschool, primary or secondary school in Canada while accompanied by a parent authorised to study or work there does not need a study permit of their own. If your family plan is central to the decision, we would rather map it against the current rules with you at the start than discover a constraint after a deposit has been paid. Our dependent visa and spouse visa pages cover the wider family routes.

Official sources: IRCC — Help your spouse or partner work in Canada · Study without a permit.

If your application is refused

A refusal is not the end of the road, and it is not a mystery either. IRCC sends a letter explaining the decision, and it publishes the reasons an application may be refused:

  • You did not have a valid letter of acceptance
  • You did not prove you had enough money to support yourself
  • You did not pass a required medical examination
  • You did not convince the officer that studying is your main purpose in Canada
  • You did not convince the officer that you will leave Canada at the end of your studies

The last two are discretionary findings, which is why two applicants with similar paperwork can receive different outcomes. If you want to understand a decision in detail, a refused applicant may request the officer’s decision notes from IRCC. Reapplying without addressing what the letter actually says is the most expensive mistake we see.

A note on what you may read elsewhere. Lists of “top ten rejection reasons” circulating online — weak statements of purpose, study gaps, low test scores, thin ties to home — are observations drawn from practice, including ours. They are not published IRCC statistics, and anyone presenting them as official data is guessing. The five points above are the only reasons IRCC publishes.

Official sources: IRCC — After you apply: next steps · Requesting officer decision notes.

Starting your Canada application from Jalandhar

Most people who sit down with us in Jalandhar are not comparing Canada with nothing. They are comparing it with an application a cousin filed three or four years ago, under rules that no longer exist. Half of a first consultation is usually spent replacing out-of-date assumptions with what the Government of Canada actually requires today. Here is what the process looks like when you are starting it from Jalandhar or anywhere in Doaba.

Come in with your papers

Our office is at 298, 1st Floor, Defence Colony, Jalandhar, open Monday to Saturday, 9:00 AM to 6:00 PM. If you are in Jalandhar, Kapurthala, Phagwara, Nakodar, Hoshiarpur or Nawanshahr, bring your marksheets, your passport and a realistic idea of your budget, and we will work through them with you in one sitting.

Paperwork takes longer than people expect

A passport, six months of bank statements, sponsor documents and, in some cases, attestation are not same-day items in Punjab. In our experience far more Jalandhar students miss an intake on documentation than on eligibility, which is why we work backwards from the intake date rather than forwards from today.

Biometrics and the medical

Biometrics are given at a Canada visa application centre once IRCC sends your request letter, and you have 30 days from the date on that letter. The medical examination must be done by an IRCC panel physician, not your family doctor. We point you to the current official lists for both when your letter arrives.

Jalandhar has more immigration offices per square kilometre than almost any city in India, and the quality varies enormously. Whoever you end up working with, ask them to show you the official page behind any rule they quote. Every figure on this page carries its link for exactly that reason.

How Sandhu Overseas helps

We are an immigration and visa consultancy based in Jalandhar. We are not a government department, we do not represent IRCC, and no consultancy anywhere can guarantee a visa. What we can do is make sure your application is complete, current and consistent, and that you understand each requirement before you commit money to it.

Profile and program review

We look at your academics, gaps, budget and family plans together, then shortlist DLIs and programs that fit — checking PGWP eligibility at course level before you apply, not after.

Admission and PAL coordination

Applications to your shortlisted institutions, offer and deposit guidance, and coordination of the attestation letter with the school so it arrives before you file, not after.

Funds documentation

Help organising traceable financial evidence and sponsor documentation against the current requirement, so your file explains itself without an officer having to ask.

Application preparation

Form completion, document checks against your personalised IRCC checklist, and support with your letter of explanation and study plan in your own words.

Biometrics and medicals

Guidance on booking your biometric appointment within the 30-day window and completing the medical examination with an IRCC panel physician.

Family and post-arrival questions

Where your spouse or children are part of the plan, we set out what the current rules allow before you choose a program — and what they do not.

Other Canada services from our Jalandhar office

This page covers the study permit. If your Canada plan involves a different route, these pages go into each one:

Looking at other countries too?

Each page is written from that country’s own official immigration source and carries its own review date.

Frequently asked questions

Do I need a Provincial Attestation Letter for Canada?
In most cases yes, if you are studying outside Quebec. It must be submitted with your study permit application and must be valid on the day you apply. Students up to grade 12, students in degree-granting master’s or doctoral programs at a public DLI from January 2026, no-tuition exchange students and several other categories are exempt, but exempt applicants still have to submit proof of the exemption. Quebec applicants generally need a CAQ instead.
How much money do I need to show for a Canadian study permit?
For applications submitted on or after 1 September 2026, a single applicant must show CAN$23,448 (approx. ₹15.43 lakh) for living expenses for one year, outside Quebec. That is in addition to tuition and return travel. Two people need CAN$29,192 (approx. ₹19.21 lakh), three need CAN$35,888 (approx. ₹23.61 lakh), and four need CAN$43,572 (approx. ₹28.67 lakh). Quebec sets its own amounts.
Is a GIC compulsory for a Canadian study permit?
No. IRCC lists a GIC as one acceptable form of proof of funds among several, including bank loans, six months of bank statements, a DLI receipt for tuition and housing, scholarships and sponsor letters. Many students choose a GIC because it is easy to document, but the rules do not require one.
Is the Student Direct Stream still available?
No. SDS closed on 8 November 2024, along with Nigeria Student Express. Everyone now applies through the standard study permit stream, which accepts GICs as proof of funds. The old SDS requirement of IELTS 6.0 in each band no longer exists, and any website still publishing it is out of date.
Do I need IELTS for a Canadian study permit?
IRCC’s published eligibility list for the study permit does not include a language test. Your college or university sets its own admission language requirement, and these vary by institution and program. A language test does become compulsory later, when you apply for a Post-Graduation Work Permit — CLB 5 for most college programs and CLB 7 for degrees.
How do I check that my college is a DLI?
IRCC publishes a searchable list of designated learning institutions, and each one has a DLI number that goes on your application. Check the list yourself rather than relying on an agent’s assurance. Separately, confirm that your specific program is PGWP-eligible — IRCC states that not all programs at a DLI are.
How long can I work while studying in Canada?
Eligible full-time students may work up to 24 hours a week off campus during academic sessions, and without an hourly limit during scheduled school breaks. On-campus work has no hourly cap. You need a study permit with work conditions, a Social Insurance Number, and your program must already have started.
How long is a Post-Graduation Work Permit valid?
Programs under eight months do not qualify. A program of eight months to under two years gives a permit up to the length of the program. A program of two years or more gives up to three years. A master’s degree of at least eight months gives up to three years even if the program is shorter than two years — this does not extend to certificates or diplomas. The permit can never exceed your passport’s validity, and you can receive one only once in your lifetime.
Can my spouse work while I study in Canada?
Only in limited cases since 21 January 2025. A spouse or common-law partner may apply for an open work permit if you are enrolled in a master’s program of 16 months or longer, a doctoral program, or a listed eligible or professional degree program such as MD, JD, LLB, DVM, BScN, BEd or BEng. If your spouse’s work rights matter, that constraint should shape which program you choose.
Do I need a medical examination if I am applying from India?
Yes, for stays longer than six months. India is on IRCC’s list of countries whose applicants require an immigration medical examination. It must be completed by an IRCC panel physician — your own doctor cannot do it — and the physician does not make the decision on your application.
How long does a Canadian study permit take to process?
IRCC does not publish a single figure; processing times vary by country and are updated on its own processing-times tool. Treat any fixed promise of a turnaround as a claim no consultancy is in a position to make, and plan your intake with room to spare.
Can I change my college after I arrive in Canada?
Not on the same permit. Since November 2024, post-secondary students must apply for and be approved for a new study permit before changing institutions. Changing schools also means you need a new attestation letter. This is a significant change from the earlier rules and catches many students out.
What are the reasons a Canadian student visa is refused?
IRCC publishes five: no valid letter of acceptance, insufficient proof of funds, failing a required medical examination, not convincing the officer that study is your main purpose in Canada, and not convincing the officer that you will leave at the end of your studies. The last two are discretionary. Refused applicants may request the officer’s decision notes to understand the reasoning.
Can I apply for permanent residence after studying in Canada?
Canadian study and work experience can support an application under several permanent-residence programs, but a study permit is not a permanent-residence pathway in itself and nothing is automatic. Eligibility depends on the program, your work experience, language ability and the criteria in force when you apply. Our permanent residency page covers these routes.
Do I need a consultant, and how do I check one?
You can apply on your own — IRCC’s guides are public and free. A consultancy’s value is in current knowledge, completeness and timing. Before you engage anyone, ask what their role formally is, ask for their fee structure in writing, and be cautious of any promise of guaranteed approval, a guaranteed PR outcome, or a stated success rate. No one can guarantee an IRCC decision, and IRCC publishes no approval data by consultant.

Talk through your Canada plan with us

Bring your marksheets, your budget and your questions. We will tell you honestly what the current rules allow for your profile — including when the answer is that a different destination or a different program fits you better.

Call the study desk: +91 78371-05715 All student visa services

Sandhu Overseas · 298, 1st Floor, Defence Colony, Jalandhar, Punjab 144001 · Monday to Saturday, 9:00 AM – 6:00 PM · Punjab Govt Approved Agent, Licence No. 1807/MC-6/MA/JAL

Important. This page is general information, not individual immigration advice, and it is not a substitute for the official Government of Canada guidance linked throughout. Requirements, fees and amounts change without notice. Sandhu Overseas does not guarantee that a visa or study permit will be issued — that decision rests entirely with Immigration, Refugees and Citizenship Canada. Please confirm every requirement on the relevant canada.ca page before acting on it.

Rupee amounts shown in brackets are approximate, converted at exchange rates of 12 November 2026. Exchange rates change daily, so check the current rate before arranging funds.

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