Canada is considered one of the most popular destinations for students to pursue higher education. In comparison to countries like the UK and the USA, the cost of studying and living in Canada is less expensive. Further, the scenic premises, vibrant city atmosphere, and a close-knit campus community offer students the ideal environment for their all-around development. The University of Toronto, the University of Alberta, and the University of Winnipeg are some of the most prestigious universities in Canada. In this blog, we will cover the details pertaining to the cost of studying in Canada, as well as the cost of living in Canada for Indian students and will also provide you with a break down of the major expenses.
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Cost of Studying in Canada
The tuition fees charged by universities form a significant portion of the cost of studying in Canada. The total cost depends on a multitude of factors like the type of course, its international reach and reputation, the city of study, etc. Thus, the average cost of studying in terms of tuition fees in some of the best colleges in Canada can go up to CAD 35,000 (INR 18,84,000). The Council of Ministers of Education, Canada (CMEC) also offers an online tool for international students to calculate the cost of studying in the country.
|Course||Average Tuition Fees per annum|
|Application fees||$50 (INR 3,707) to $200 (INR 14,831)|
|Undergraduate Courses||CAD 12,000 – CAD 30,000
(6,46,000 INR -16,15,000)
|Engineering & Medicine Courses (UG Level)||CAD 22,000 (INR 11,69,000)|
|Humanities, Business & Management (UG Level)||CAD 5,500 (INR 2,96,000) to CAD 6,500 (INR 3,50,000)|
|Law||CAD14,000 (INR 8,45,597.39)|
|Visual and Performing arts||CAD 5,000 (INR 3,01,828) to CAD 5,000 (INR 3,01,828.55)|
|Postgraduate Courses||CAD 18,000 (INR 9,54,000)|
|MBA||CAD 28,000 (INR 14,75,000)|
|Executive MBA||CAD 29,000 (INR 17,51,351)|
|Law||10,000 CAD to 55,000 CAD (5,50,000 INR-30,00,000 INR)|
|Engineering||19,301 CAD (INR 11,57,152)|
|Dentistry||22,472 CAD (INR 13,47,276)|
|Nursing||47,800 CAD (INR 28,65,568)|
The average cost of pursuing a bachelor’s in Canada across various disciplines is approximately CAD 30,000 (INR 16,15,000) per annum with the range being CAD 12,000 (INR 6,46,000) to CAD 30,000 (INR 16,15,00). In comparison to other undergraduate courses, Engineering and Medicine programs in Canada are slightly expensive. The average tuition fee of these programs is CAD 22,000 (INR 11,69,000). Further, the costs of studying Humanities, Business and Management courses range from CAD 5,500 (INR 2,96,000) to CAD 6,500 (INR 3,50,000).
Apart from pursuing undergraduate studies, many students also enrol in various postgraduate or master’s degrees programs like MBBS in Canada. The international student will have to shell out an average of CAD 18,000 (INR 9,54,000) in tuition fees, per year. The management (MBA) programs, in particular, are very expensive courses. While the average cost of studying Executive MBA courses is CAD 57,000 (INR 30,31,000), the tuition fee for regular MBA programs is approximately CAD 28,000 (INR 14,75,000).
Note: The fees may vary from one university to another and each figure mentioned pertains to the financial year 2020-21.
Cost of Living in Canada
Given below is a breakdown of the different expenses which are important to consider while calculating the cost of studying and living in Canada for Indian students.
|Living Cost in Canada||Cost|
|Flight Expense||INR 1,00,000- 2,00, 000/- per flight|
|Study Permit Fees||$150 (INR 11,123)|
|Work Permit Fees||$155 (INR 11,493)|
|IELTS test Fees||INR 14,700|
|Accommodation||CAD 5,000 – CAD 10,000
(INR 2,67,000-INR 5,39,000) per annum
|Travel Costs||CAD 80 – CAD 110 (INR 4,300-INR 6,000) per month|
|Health Insurance||CAD 300-CAD 800 (INR 17,000-INR 44,000)|
|Food||CAD 300- CAD 400 [17,508 INR-23,344] (monthly)|
|Entertainment||CAD 750 [43,770 INR] (monthly)|
Besides the tuition fees, accommodation expenses also form an important part of the cost of living in Canada. While on-campus residences are offered by several universities, you can live off-campus as well. Depending on the types of rooms and apartments, the cost may range from around CAD 5,000 (INR 2,67,000) to CAD 10,000 (INR 5,39,000) per annum. Further, the accommodation cost in big cities like Toronto and Montreal may be higher in comparison to other cities.
Types of Accommodations
When it comes to living and staying in Canada, international students have two broad choices living on-campus or off-campus. Within these two categories, students can opt for options such as dormitories and townhouses available to students living on the campus. Off-campus options like shared apartments, single apartments, condominiums, homestays or live with host families.
Travel Costs for International Students in Canada
Canada has a cross-continent network with roads sprawling into the ends of the United States. But the travel expenses in Canada for both short and long-distances is very expensive. Thus, students prefer taking the subways, trains, and buses and the average cost may range between CAD 80 (INR 4,300) to CAD 110 (INR 6,000) per month.
Health and Insurance
Medical insurance is added in the final estimates of the cost of studying in Canada because it is mandatory for students to be insured before the commencement of the program. Depending on the type of policy chosen, the total cost can range from CAD 300 (INR 17,000) to CAD 800 (INR 44,000) per year.
Other Essential Living Expenses
Other living expenses include books, stationery, library membership, food, utilities like rent, water, electricity, phone, and internet charges along with some personal expenses are some of the other expenses which are added to the final cost of living in Canada.
Student Visa and Application Costs
Students who wish to apply to any university for academic or professional training will require a Canadian study permit. A study permit is required for courses that are longer than 6 months. However, students who are admitting themselves to a course that is less than 6 months are advised to apply for the study permit in case they tend to extend their stay. Applying for a study permit costs CAD150 (INR 8,542). The application fees depend on the student’s nationality and the university to which they are applying. Along with the letter of admission and other documents, students are required to submit proof of funds and the minimum bank balance required to apply for a Canadian student visa is INR 6,00,000 or more for one year.
Taxes in Canada
As an international student studying in Canada, you are required to file Canadian income tax returns depending upon your residency status. Even if international students are not earning citizens in the country, filing taxes can be beneficial in terms of benefits like filing taxes like GST credits, the Child Tax Benefit, or claim a refund. Students who receive income from teaching, research assistantships, employment in Canada or investments are required to file an income tax report. Even students who receive income from outside of Canada must report their income.
With many students applying at Canadian universities from India, there have been various facilities and waivers provided for their ease. These scholarships help in reducing the expense and cost of living in Canada for Indian students and international students. Scholarships are based on merit, academic excellence, or potential skills. Students must check the eligibility criteria for each of the scholarships and apply accordingly. The following is a list of scholarships available in Canada for Indian students.
- Vanier Canada Graduate Scholarships
- Ontario Graduate Scholarship
- Lester B. Pearson International Scholarship Program
- President’s Scholarship for World Leaders
- International Leader of Tomorrow Award
- University of Manitoba Graduate Fellowship (UMGF)
- The Seneca Renewable Entrance Scholarship of Merit for International Students
- Assist-on Scholarship
- Trudeau Foundation Scholarships
To know more, check out our blog on Scholarships in Canada!
Part-time jobs in Canada
A great way to meet the daily living cost in Canada is through part-time jobs. Students can also apply for the various part-time jobs available to ease their financial stress. For qualifying to work in Canada, they must have a valid study/ work permit and must be full-time student in a Canadian university. They must also be studying any professional, vocational, or academic course which is longer than 6 months and provides a certificate/degree. Students can also work in their winter or summer holidays or even an on or off-campus job for 20 hours during university semesters without a work permit.
Cost of Studying and Living in Canada: City-Wise
Here is the average cost of living in Canada for international students-
|City||Average Cost of Living|
|Toronto||37,000 CAD yearly (INR 22,18,460)|
|Vancouver||38,484 CAD yearly (INR 23,08,210)|
|Montreal||25,000 CAD yearly (INR 14,99,845)|
|Ottawa||20,000 CAD yearly (INR 11,99,301)|
|Calgary||26,904 CAD yearly (INR 16,13,865)|
Cheap Universities in Canada
- University of Montreal
- McGill University
- McMaster University
- University of British Columbia
- University of Brandon
- Université de Saint-Boniface
- University of Guelph
- Memorial University of Newfoundland
- Simon Fraser University
The average cost of studying in terms of tuition fees in some of the best colleges in Canada can go up to CAD 35,000 (INR 18,84,000). The yearly cost of studying in Canada can go up to CAD 30, 000 to INR 18,11,215.
Yes, the cost of studying in Canada is less than countries like UK, Australia and USA. However, the actual cost of living in the country depends on tuition cost, accommodation, personal lifestyle and miscellaneous expense.
Diploma courses and one- year -PG courses tend to be cheaper in Canada as compared to bachelors or masters courses. Canadian universities offer an array specialisations under diploma courses which students can opt for.
The minimum bank balance required to apply for a Canadian student visa is INR 6,00,000 or more for one year. The minimum balance is the proof of funds needed to survive in the country and apply for a student permit.
This was all about the different expenses you need to keep in mind while apprehending the cost of studying and the cost of living in Canada for Indian students. Planning to study abroad is a tedious and complicated process. Our Leverage Edu mentors can help you throughout this rigorous procedure from finalising the right course to making an impressive application that will get you shortlisted into your dream university.