Latest Update: The cost of studying in Canada just keeps rising! For the 2024/25 academic year, international undergraduate tuition fees have hit over CAD 40,000, a 5% jump from last year.
Studying in Canada can be an exciting opportunity, with 94% of future international students showing interest in studying there, the highest of all countries. However, it’s important to understand the financial commitment involved. The cost of studying in Canadafor international students includes tuition, living expenses, and additional fees, which can vary by institution and province.
Let’s explore living expenses, student visa costs, tuition fees broken down by program and course type, and financial management tips for students. You'll also learn about scholarship options and part-time job opportunities to help ease the financial burden while studying in Canada.
Cost of Studying in Canada: Overview and Key Insights
In 2025, IRCC plans to issue a total of 437,000 study permits, reflecting Canada’s growing appeal as a study destination. Tuition fees vary by program and institution, while living costs like accommodation, food, and transportation can add up quickly.
Budgeting for these expenses is essential to managing your finances effectively while studying in Canada.
Let’s explore the top universities in Canada that offer world-class education and are popular among international students from India.
Top 8 Universities in Canada for Indian Students
Canada is home to 223 public and private universities, offering world-class education and diverse opportunities for international students.
With a growing number of Indian students choosing Canada for higher education, it's essential to explore the top institutions that cater to their academic and cultural aspirations.
Here's an overview of the top 8 universities in Canada, highlighting their QS World University Rankings and their standing within the country:
Now that you are clear about the top universities in Canada, let's look into the total cost of studying in Canada in Indian rupees.
Cost of Education in Canada by Course Type
When planning your education in Canada, it’s important to consider the costs associated with popular programs such as Computer Science, Business, Engineering, Health Sciences, and Information Technology. Institutions like the University of Toronto, University of Waterloo,and McGill University are known for these courses.
Here's a breakdown of average tuition fees by course type:
Tuition fees are approximate and subject to change. It's advisable to consult the official university websites for the most current information.
All cost values are in CAD, with approximate conversions to INR based on exchange rates.
This table provides a clear breakdown of the tuition fees for various course types in Canada, allowing students to easily compare the costs for different fields of study.
Next, let’s explore the total cost of studying in Canada in Indian rupees based on programs.
Cost of Education in Canada by Program
Understanding the cost of education in Canada is crucial for international students planning their studies. On average, international undergraduate tuition fees in Canada are approximately CAD 36,100 (INR 22L) per year, while graduate programs average around CAD 21,100 (INR 21.8L) annually. The cost of a master’s is approximately $21,100 (INR 12.8L).
By considering both CAD and INR prices, you can assess the cost of education in Canada based on your preferred location and budget.
Now, let's take a closer look at the living expenses you'll need to consider while studying in Canada.
Cost of Living Expenses in Canada
Living in Canada as an international student involves several monthly expenses, including rent, food, transportation, and entertainment.
The cost of living in Canada can vary depending on the city, lifestyle, and housing choices. While Montreal, Calgary, and Winnipeg provide more reasonable student accommodations, cities like Toronto and Vancouver are often more expensive.
Let’s take a look at the cost of living in some major Canadian cities:
City
Average Monthly Cost of Living (CAD)
Average Monthly Cost of Living (INR)
Toronto
CAD 2,167.44
INR 1.31L
Vancouver
CAD 2,260
INR 1.36L
Montreal
CAD 1,258.86
INR 76.4K
Calgary
CAD 1,626
INR 98.7K
Ottawa
CAD 1,507
INR 92.2K
These estimates include accommodation, transportation, and other essentials like electricity and water. The food cost in Canada may be around CAD 300 - 400 (INR 18.4K - 24.5K) per month, depending on your lifestyle.
Keep in mind that actual living costs may vary depending on your lifestyle choices and specific location within the city.
Health Insurance and Support Requirements for Indian Students in Canada
While healthcare in Canada is publicly funded, international students must obtain private health insurance for additional coverage. Many universities in provinces like Quebec offer limited health coverage. Private plans may offer more comprehensive coverage, including dental care and prescriptions.
Here is a quick look at which provinces offer health insurance for international students:
Province
Is Health Coverage Available?
Requirements
Alberta
Yes
Minimum 12-month study permit, 12-month residence, apply within 90 days of arrival.
British Columbia
Yes
Minimum 6-month study permit, apply immediately after arrival (coverage begins after 3 months).
Minimum 3 months residency, proof of full-time enrollment.
Newfoundland and Labrador
Yes
Minimum 12-month study permit.
Ontario, Quebec, Prince Edward Island, Yukon
No or with exceptions
Limited agreements with specific countries.
It’s essential to research and choose the most suitable health insurance plan based on the province you’ll be studying in.
How to Apply for Free Healthcare in Canada:
Some provinces (Ontario, British Columbia, and Alberta) offer free healthcare to international students.
Apply for a provincial health card to access public healthcare services.
For private insurance, enroll through your university or employer for additional coverage.
Now that you have an understanding of the total cost of studying in Canada, it's essential to consider the expenses related to obtaining a student visa and immigration requirements for studying in Canada.
Student Visa and Immigration Costs for Indian Students
Indian students make up 35-40% of Canada's international student population, highlighting the growing presence of Indian students in Canadian institutions.
When applying for a study permit, it's important to consider the cost of student visa application, biometrics fee, and the Guaranteed Investment Certificate (GIC) required for managing living expenses in your first year.
Here’s a detailed breakdown of the student visa costs for Indian students:
Fee Type
Amount (CAD)
INR Equivalent
Visa Application Fee
CAD 150
INR 9K
Biometrics Fee
CAD 85
INR 5K
GIC Requirement
CAD 20,635
INR 12L
Important Notes:
Processing Time: The visa application process can take several weeks, so it's advisable to apply well in advance.
GIC Refund: The GIC reduces the financial burden during your first year of study by helping students manage living expenses in Canada and is refunded to you in installments after arrival.
Scholarships and Financial Aid for Indian Students in Canada
The Canadian government has allocated $825 million over five years to fund scholarships for international students. This includes prestigious programs like the Vanier Canada Graduate Scholarship.
Indian students can also apply for university-specific awards like the University of Toronto International Scholar Award and external options like the Shastri Indo-Canadian Institute grants.
Eligibility: Exceptional academic achievements and leadership skills.
Benefits: Full tuition, books, incidental fees, and residence support for four years.
Major Entrance Scholarships (McGill University)
Merit-based, University-specific
Eligibility: Students entering a full-time undergraduate program at McGill University.
Benefits: Financial award between CAD 12,000 and CAD 48,000 (INR 10.1L - INR 40.6L) for up to 4 years.
In addition to financial aid and study abroad scholarships, part-time work is a fantastic option for managing living expenses while studying in Canada. Let's explore the ways that international students can earn money while funding their studies.
Part-Time Jobs to Help Manage the Cost of Studying in Canada
Studying in Canada can be costly, and many international students struggle to cover living expenses.Part-time jobs can help ease this burden, but finding a job, securing work permits, and balancing it with studies can be challenging.
International students are allowed to work off-campus up to 24 hours per week without a work permit, providing an opportunity to earn while studying.
Here’s a quick overview of some of the best part-time jobs for international students in Canada,
Which can help you reduce the total cost of studying in canada in indian rupees.
Job Type
Hourly Wage
Monthly Earnings
On-Campus (Library Assistant, IT Support, Admin Jobs)
CAD 11.45 – CAD 16 (INR 690 – INR 960)
CAD 1,280 – CAD 1,600 (INR 76K – INR 96K)
Barista
CAD 13.26 (INR 800 – INR 1,000)
CAD 1,060 (INR 63K)
Tutoring (Math, Science, English, Coding)
CAD 25.15 (INR 1,500 – INR 2,000)
CAD 2,010 (INR 1.2L)
Sales Assistant
CAD 17 (INR 1,000 – INR 1,200)
CAD 1,360 (INR 81K)
Server
CAD 12.20 (INR 740 – INR 900)
CAD 980 (INR 59K)
Note: INR values are approximate and based on the current exchange rate. Please check the current rates as they may fluctuate.
Here are some tips on practical ways to find a part-time job in Canada.
Start Early: Begin your job search at least 2-3 months before arriving in Canada. For example, the University of Toronto offers a dedicated job portal for students where you can apply for part-time positions even before you land in Canada.
Use University Resources: Many universities provide career counseling and job boards to help students find part-time work. For instance, McGill University’s Career Planning Service hosts weekly job fairs and workshops to connect students with potential employers.
Check Online Job Portals: Websites like Indeed, Monster, and Glassdoor are excellent resources. For example, you can easily find part-time positions in retail or tutoring by filtering results to show only student-friendly jobs in your location.
Network: Networking is key to landing a good part-time job. Attend university-hosted networking events or speak with professors. At the University of Waterloo, many students have secured part-time positions through faculty connections, especially for roles in research labs.
Now, you know the various expenses related to the total cost of studying in canada in indian rupees, let's look at some practical tips to help you maximize your budget and efficiently manage your spending while studying abroad.
Tips for Managing the Cost of Studying in Canada
Canada ranks among the top three study destinations worldwide, hosting students from over 200 countries. With an average annual tuition of CAD 30,000 (INR 18.3L) for international students and living costs around CAD 15,000 (INR 9.1L), budgeting smartly is essential. Here’s how you can manage expenses during student life in Canada without compromising your study experience.
Apply for Scholarships and Financial Aid: Scholarships from institutions like the Canadian Commonwealth Scholarship Program can ease financial burdens.
Share Accommodation: In cities like Ottawa, shared housing reduces rent costs from CAD 1,200 (INR 73K) to roughly CAD 600 (INR 36.6K) monthly.
Use Student Discounts: Many businesses offer up to 20% discounts with student ID cards.
Take On-Campus Part-Time Jobs: Working up to 20 hours weekly, students can earn around CAD 13–15 (INR 700-900) per hour.
Buy Second-Hand Textbooks: Students save about 50% by purchasing used or digital versions.
Use Public Transport Instead of Taxis: Student monthly transit passes in Vancouver cost about CAD 98 (INR 5.9K), a fraction of typical taxi fares.
Following these strategies helps keep your finances on track so you can focus on your academic and personal growth in Canada.
Knowing why Canada attracts so many international students will guide you as you plan your journey. Let’s look into the key reasons that make Canada an excellent study destination.
Why Choose Canada for Higher Education?
Canada welcomes over 500,000 international students, with Indian students making up one of the fastest-growing groups. Known for its top universities and inclusive policies, Canada offers an education experience that combines academic excellence with real-world opportunities, making it a leading choice for aspiring professionals worldwide.
Let’s explore the key reasons why Canada stands out as a preferred destination for higher studies and how it can support your academic and personal growth.
World-Class Education: Canadian universities rank among the world’s best, with 20+ featured in QS World University Rankings 2024. Schools like Toronto and McGill offer the latest programs and research opportunities.
Multicultural Environment: Canada hosts over 437,000 international students this year, creating an inclusive and enriching learning atmosphere.
Affordable Tuition and Living Costs: Tuition averagesCAD 20,000–30,000 (INR 13–20 lakh) per year, lower than the US and UK. Cities like Montreal and Calgary offer affordable living at CAD 800–1,200 monthly (INR 50K–75K).
Post-Graduation Work Opportunities: Canada’s PGWP lets you work up to three years post-graduation, while students can work 20 hours weekly during studies, gaining valuable experience.
Safe and High Quality of Life:Ranked 11th in the 2024 Global Peace Index, Canada offers universal healthcare and top livability in cities like Vancouver and Ottawa, ensuring safety and comfort
Because of these factors, Canada is a top option for Indian students considering higher education, providing them with chances for both academic and personal development.
How Can upGrad Support Your Study Abroad Journey?
upGrad offers personalized guidance for Indian students to help them understand their study abroad journey, from selecting the right university to securing career opportunities after graduation. They assist with university selection, application document preparation, visa and relocation processes, and provide valuable career support through networking opportunities.
Struggling to decide the best path for your study abroad journey? Book a personalized career counseling session with an upGrad expert today and get guidance on university selection, application strategies, and post-graduation opportunities!
Frequently Asked Questions
What is the average cost of studying in Canada for Indian students?
The average cost for Indian students to study in Canada typically ranges from CAD 12,000 to CAD 30,000 (INR 6.4L – INR 16L) per year for undergraduate programs. Postgraduate programs, such as an MBA or MEng, can cost between CAD 15,000 and CAD 40,000 (INR 8L – INR 21.5L). Costs may vary depending on the program, city, and university.
Are there scholarships available for Indian students to study in Canada?
Yes, there are many scholarships available for Indian students, such as the Vanier Canada Graduate Scholarship, Ontario Graduate Scholarships, and university-specific awards like the Lester B. Pearson Scholarship at the University of Toronto. These scholarships can cover tuition, living expenses, and travel costs.
How much does student health insurance cost in Canada?
Health insurance for international students in Canada typically costs between CAD 500 and CAD 900 (INR 30K – INR 54K) annually. While some provinces offer free healthcare for international students, many students need to purchase private health insurance to cover additional medical costs like dental or vision care.
What are the best cities in Canada for international students to live in?
Some of the best cities for international students include Toronto, known for its diverse culture and job opportunities; Vancouver, for its beautiful landscapes and outdoor lifestyle; Montreal, which offers affordable living; and Ottawa, Canada's capital, with a welcoming student environment.
Can international students work part-time in Canada to support their studies?
Yes, international students can work part-time up to 20 hours per week during the academic semester and full-time during scheduled breaks. On-campus jobs are easy to secure, while off-campus jobs, freelancing, and internships often provide better pay and experience.
What are the major expenses apart from tuition fees for students in Canada?
Major expenses for international students in Canada include accommodation (CAD 700–CAD 2,500/month) (INR 42.8K - 1.5L /month), food (CAD 300–CAD 600/month) (INR 18K - 36.7K /month), transportation (CAD 100–CAD 200/month) (INR 6K - 12K /month), and health insurance (CAD 500–CAD 900/year) (INR 30K - 55K /month). Entertainment and miscellaneous costs also contribute to monthly living expenses.
How do I apply for a student visa to Canada, and what are the costs involved?
To apply for a student visa (study permit), you need to submit an online application along with a fee of CAD 150 (INR 9K). Additionally, there is a biometrics fee of CAD 85 (INR 5K), and you may need to provide proof of funds, medical exams, or police certificates depending on your case.
What is the cost of living in Canada for Indian students on average?
The average cost of living for an international student in Canada is between CAD 1,200 and CAD 2,500 per month (INR 72K – INR 1.5 L). This includes rent, food, transportation, entertainment, and miscellaneous expenses. Cities like Toronto and Vancouver tend to be on the higher end of the scale.
How can I reduce my overall expenses while studying in Canada?
You can reduce expenses by living in shared accommodation, cooking at home instead of eating out, using student discounts, and opting for public transportation. Additionally, working part-time or applying for scholarships can help offset living costs.
Are there any financial aid programs specifically for Indian students in Canada?
Yes, there are financial aid programs specifically for Indian students, such as the Shastri Indo-Canadian Institute Scholarships and the Ontario Graduate Scholarship Program. These programs provide funding for research, travel, tuition, and living costs.
What are the options for student housing in Canada, and what do they cost?
Students in Canada typically choose between on-campus housing, shared apartments, or private rentals. On-campus housing costs range from CAD 600 to CAD 1,700 per month (INR 36K – INR 1L), while off-campus shared apartments can cost CAD 700 to CAD 2,500 (INR 42K – INR 1.5L). The cost varies depending on the city and location.
