Canada is a popular destination for international students, including those from India. While the quality of life in Canada is widely known and appreciated, the cost of living can vary depending on several factors.
According to recent reports, the average cost of living in Canada for Indian students is around INR 85,000 per year. However, the cost of living can be higher or lower depending on the city you choose to live in and your lifestyle choices.
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Let’s dive deeper into the factors that influence the cost of living in Canada for Indian students.
Get a quick overview of the blog’s key highlights and unlock valuable information about the cost of living in Canada for Indian students
Blog Highlights:-
| Avg Cost Of Living | INR 85,000 |
| Avg Tuition Fee | INR 9L – INR 50L |
| Avg Rent In City Centre | INR 1L |
| Avg Transportation Cost Monthly Pass | INR 6,000 |
| Avg Utilities Cost | INR 13,000 |
| Avg Salary | INR 34L to INR 37L |
Factors Influencing The Living Expenses In Canada
Several factors can influence the living expenses in Canada for Indian students. Major expenses include transportation, groceries, utilities, and rent. These costs can vary depending on the city you choose to live in, with major cities like Toronto and Vancouver generally being more expensive than smaller cities.
Additionally, your lifestyle choices can also play a role in your overall cost of living. By being mindful of your expenses and budgeting wisely, you can make the most of your time in Canada without breaking the bank.
Here are some key factors influencing the cost of living in Canada for Indian students:
| Parametres | Costs |
| Avg Transportation Cost (Monthly Pass) | INR 6,000 |
| Avg Utilities Cost | INR 13,000 |
| Avg Groceries Cost | INR 21,000 |
| Avg Rent In Canada In City Centre | INR 1L |
Average Cost Of Living In Canada Across Regions
Did you know that the average cost of living in Canada can vary greatly depending on the city you choose to live in? For example, the average cost of rent in Toronto is much higher than in cities like Halifax or Winnipeg.
Similarly, the cost of groceries and transportation can also be higher in major cities compared to smaller ones.
To give you a better idea of the differences in the cost of living in Canada per month across different cities, here is a table highlighting the average monthly expenses for a student in some major cities:
| City | Avg Rent In City (1) Bedroom | Transportation Cost (Monthly Pass) | Utilities Cost (Monthly) |
| Toronto | INR 1.6L | INR 9,600 | INR 13,000 |
| Quebec | INR 74,500 | INR 5,656 | INR 13,000 |
| Montreal | INR 1L | INR 6,000 | INR 6,700 |
| Brampton | INR 1.2L | INR 8000 | INR 16,000 |
| Calgary | INR 1L | INR 7000 | INR 22,500 |
| Winnipeg | INR 77,000 | INR 6,631 | INR 13,700 |
| Belleville | INR 1L | INR 5,000 | INR 10,775 |
| Vancouver | INR 1.7L | INR 8,612 | INR 10,700 |
| Surrey | INR 1.2L | INR 9,400 | INR 14,000 |
| Mississauga | INR 1.5L | INR 8,550 | INR 14,000 |
Note: These are just rough estimates, and your actual expenses may vary depending on your lifestyle choices and the specific neighbourhood you choose to live in.
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Education Expenses In Canada For Indian Students
Education in Canada is highly regarded worldwide, with top-rated universities offering a range of undergraduate and graduate programs. Indian students who wish to pursue higher education in Canada often face the challenge of finding the right course and university within their budget.
To help you with that, here is a table of top Canadian universities and their average tuition fees for undergraduate and graduate programs.
| Top Universities | Avg UG Tuition Fees | Avg PG Tuition Fees |
| University Of Calgary | INR 12L – INR 18L | INR 11L- INR 18L |
| University Of Montreal | INR 15L – INR 20L | INR 13L – INR 20L |
| University of British Columbia | INR 24L – INR 35L | INR 16L – INR 38L |
| Simon Fraser University | INR 9L – INR 19L | INR 17L – INR 37L |
| University Of Alberta | INR 16L – INR 24L | INR 18L – INR 25L |
| York University | INR 18L – INR 27L | INR 18L – INR 30L |
| McGill University | INR 20L – INR 25L | INR 24L – INR 30L |
| University of Toronto | INR 25 – INR 28L | INR 30L – INR 36L |
| University Of Waterloo | INR 25L – INR 30L | INR 37L – INR 40L |
| University Of Ottawa | INR 20L – INR 50L | INR 10L – INR 20L |
Top Courses For Indian Students In Canada
Canada offers a wide range of courses for Indian students. With world-renowned universities and expert faculty, Canada is an excellent option for those looking to pursue higher education.
Here are the top 10 courses for Indian students in Canada:
- Computer Science and Engineering
- Business Management and Administration
- Health Sciences
- Hospitality and Tourism
- Media and Journalism
- Environmental Science
- Art and Design
- Education and Teaching
- Social Sciences and Humanities
- Information Technology.
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Employment And Income In Canada For Indian Students
Employment and income opportunities in Canada for Indian students are abundant. According to recent reports, the unemployment rate in Canada is at an all-time low of 5.8% in 2023. This means plenty of job opportunities are available for students after graduation.
Additionally, many of these jobs pay well, with the average annual salary for professionals in Canada being around INR 34L to INR 37L.
Some of the top professions in Canada for Indian students include software engineers,
financial analysts, marketing managers, and registered nurses.
Here is a table of the top 10 professions in Canada, along with their average salary:
| Profession | Avg Annual Salary |
| Marketing Manager | INR 42.6L |
| Financial Analyst | INR 42.8L |
| Data Analyst | INR 45L |
| Chartered Accountant | INR 47L |
| Human Resources | INR 47L |
| Civil Engineer | INR 50.5L |
| Mechanical Engineer | INR 53L |
| Registered Nurse | INR 60L |
| Sales Manager | INR 62L |
| Software Engineer | INR 66L |
Health Care System In Canada
The healthcare system in Canada is highly regarded worldwide, with a publicly funded system that provides basic medical services to all residents. Indian students studying in Canada can benefit from this system, which includes doctor visits, hospital care, and emergency services.
However, it is important to note that additional healthcare costs may arise, such as prescription medications, dental care, and vision care. It is recommended that Indian students consider purchasing private health insurance to cover these additional costs.
Health Insurance For Indian Students In Canada
Health insurance is essential to living in Canada, and Indian students must have health insurance coverage during their stay. Indian students in Canada can choose from various health insurance options, including private and provincial health insurance plans.
Some popular private insurance providers for international students include Guard.me, Manulife, and Sun Life Financial. The provincial health insurance plan, or OHIP, is available to students who have lived in Ontario for at least 12 months. It is recommended that Indian students research and compare different health insurance options to find the best plan that suits their needs and budget.
Healthcare benefits in Canada for Indian students
Canada’s healthcare system is known for being one of the best in the world, providing comprehensive coverage to all its citizens and permanent residents. As an international student from India, you may also be eligible for certain healthcare benefits during your stay in Canada.
Here are some of the healthcare benefits that you can avail of as an Indian student in Canada:
Basic Healthcare Coverage
As an international student, you are required to have health insurance coverage during your stay in Canada. This coverage typically includes basic healthcare services such as doctor visits, hospital stays, and emergency care.
Prescription Drug Coverage
Many health insurance plans in Canada also cover the cost of prescription drugs, which can be quite expensive without insurance. This coverage can help you save money on essential medications.
Mental Health Services
Canada’s healthcare system also provides coverage for mental health services, including counselling and therapy. This can be especially helpful for students who may be dealing with stress or other mental health issues.
Dental Care
While dental care is not covered under Canada’s public healthcare system, many private health insurance plans offer coverage for dental services. This can help you save money on routine check-ups, cleanings, and other dental procedures.
Vision Care
Similar to dental care, vision care is not covered under Canada’s public healthcare system. However, many private health insurance plans offer coverage for vision care services such as eye exams, glasses, and contact lenses.
Alternative Therapies
Some health insurance plans in Canada also cover the cost of alternative therapies such as acupuncture, chiropractic care, and massage therapy. These therapies can help manage pain and promote overall wellness.
It’s important to note that the healthcare benefits available to you may vary depending on the province or territory you are studying in and the specific health insurance plan you choose. Be sure to carefully research your options and select a plan that meets your healthcare needs.
Tips For Indian Students To Reduce Cost Of Living In Canada
Studying abroad can be an exciting and enriching experience, but it can also be expensive. Every year, around 2.26L students from India choose Canada for their education, and the increasing cost of living can be a significant concern. However, there are several ways to reduce the cost of living and make the most of your time in Canada without breaking the bank.
Here are some tips to help you save money and live comfortably while studying in Canada.
Accommodation:
- Consider shared accommodation or homestays to split rent costs.
- Explore off-campus housing options, which may be more affordable than on-campus residences.
Cooking at Home:
- Cook meals at home instead of dining out regularly.
- Plan and prepare meals in batches to save time and money.
Transportation:
- Use public transportation options like buses and trains to cut commuting costs.
- Consider walking or cycling for short distances to save on transportation expenses.
Budgeting:
- Create a monthly budget to track expenses and identify areas to cut costs.
- Prioritise essential expenses and allocate funds accordingly.
Health Insurance:
- Compare and choose a cost-effective health insurance plan that meets your needs.
- Understand the coverage details to avoid unnecessary expenses.
Networking for Shared Expenses:
- Connect with fellow students for shared groceries, transportation, and group activities expenses.
- Collaborate on purchasing items in bulk to save collectively.
Implementing these tips can significantly contribute to reducing the overall cost of living for Indian students in Canada.
Tax System In Canada
The tax system in Canada can be quite different from what Indian students are used to. In Canada, taxes are deducted from your income automatically, and you may be eligible for certain tax credits and deductions.
Understanding your tax obligations as an international student in Canada is important, as failing to file your taxes correctly can result in penalties and fines.
Indian students studying in Canada may be required to pay Canadian income tax on their earnings. It is also necessary to report any income earned outside Canada for tax purposes. You must have to pay income tax if your income is INR 30L or more. The initial tax rate for the first income of INR 30L is 15%.
To file your income taxes in Canada, you will need the following documents:
- Social Insurance Number (SIN) or Individual Tax Number (ITN)
- Application for a Canada Revenue Agency Individual Tax Number (ITN) for Non-Residents
- T2202 showing your tuition fees paid for the tax year
- T4 form from your employer, which includes your employment earnings and deductions.
- T4A slip if you received a scholarship or bursary.
- Interest tax slips from financial institutions (if applicable)
- Receipts for donations made to Canadian charities
- Medical receipts
The Canadian government provides support to help you navigate the tax system, so take advantage of these resources to ensure you stay compliant with Canadian tax laws.
Final Thoughts:
While the cost of living in Canada for Indian students can vary depending on several factors, it remains an excellent place to pursue higher education. With world-class universities, abundant employment opportunities, and a high standard of living, Canada has much to offer Indian students.
By being mindful of their expenses and budgeting wisely, Indian students can make the most of their time in Canada and have a rewarding educational experience.
And if you’re considering other options like the UK, USA and Australia, we’ve got you covered, too. Schedule a free consultation with our experts today for personalised guidance and advice.
Leap Scholar is proud to have a highly qualified team of counsellors with 50+ years of combined experience in helping students study abroad. Talk to us and find out which country is ideal for you!
Frequently Asked Questions
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Q. What is the Cost of living in Canada for Indian students?
A. The cost of living in Canada for Indian students can vary depending on the city and lifestyle choices. On average, it is around INR 85,000 per year.
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Q. Is Canada more costly than India?
A. Compared to India, Canada is generally considered a more expensive country to live in. This is due to factors such as higher costs of housing, transportation, and food. However, Canada also offers a higher standard of living with better healthcare, education, and job opportunities. Ultimately, the cost of living in Canada will depend on various factors, such as the city you choose to live in and your lifestyle choices.
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Q. Is Canada a good option for Indian students to study in?
A. Yes, Canada is an excellent option for Indian students who want to pursue higher education. With high-quality universities, a welcoming environment, and ample employment opportunities, Canada offers a great experience for students looking to broaden their horizons and gain valuable academic and professional skills.
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Q. Is Canada cheaper than the USA for higher studies?
A. Canada is generally considered to be cheaper than the USA for higher studies. While tuition fees in Canada can still be high, the overall cost of living is often lower compared to the USA, making it a more affordable option for many Indian students.
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Q. What are the top universities in Canada for Indian students to pursue higher education?
A. Canada is known for its world-renowned universities that offer quality education to students from all over the world. Indian students who wish to pursue higher education in Canada have a range of options to choose from.
Here are the top 5 universities in Canada for Indian students:
-University of Toronto
-University of British Columbia
-McGill University
-University of Alberta
-University of Waterloo -
Q. What is the average annual salary in Canada?
A. According to recent reports, the average annual salary in Canada is around INR 34L to INR 37L. However, this can vary depending on the profession, location, and experience level. Some of the highest-paying jobs in Canada include software engineering, finance, and healthcare. It’s worth noting that the cost of living in Canada can also vary depending on these factors, so it’s important to do your research before making any decisions.
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Q. What is the average rent in Canada?
A. The average rent in Canada varies depending on the city and type of accommodation. Generally, the average monthly rent for a one-bedroom apartment in a major city like Toronto or Vancouver can range from CAD 1,500 to CAD 2,500. However, smaller cities and towns may have lower rent prices.
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Q. Which city is best for Indian students to live in Canada?
A. The best city for Indian students in Canada depends on several factors, including personal preferences, budget, and academic goals. However, some cities like Toronto, Vancouver, and Montreal are popular among indian students due to their diverse communities, vibrant cultures, and excellent education opportunities. These cities also offer various support services to help newcomers settle in the country.
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Q. How can Indians save tax in Canada?
A. As an Indian student studying in Canada, it’s important to be aware of the tax system and how you can save money on taxes.
Here are a few tips to help you save tax in Canada:
Claim Tuition Fees: As an international student, you may be eligible to claim tuition fees on your tax return, reducing your taxable income and saving you money on taxes.
Claim Education Credits: You may also be eligible to claim education credits, which can help reduce your tax bill.
Claim Medical Expenses: If you have any medical expenses, such as prescription medications or dental work, you can claim these on your tax return to reduce your taxable income.
Claim Charitable Donations: If you have made charitable donations, you can claim these on your tax return to reduce your taxable income.
RRSP Contributions: Contributing to a Registered Retirement Savings Plan (RRSP) can help you save tax in the long run, as contributions are tax-deductible, and you will only pay tax when you withdraw the money in retirement.
File On Time: Fitting your tax return on time is important to avoid penalties and interest charges.
Hire a Tax Professional: If you’re unsure how to file your taxes, consider hiring a tax professional to help you navigate the tax system and maximise your savings. -
Q. Which Visa is required for Indian students to stay in Canada?
A. Indian students require a Study Permit to study and stay in Canada. This visa allows them to stay in Canada during their studies and may also permit them to work part-time while studying. The application process for a Study Permit may vary depending on the student’s specific circumstances.
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Q. Is it worth to move from India to Canada?
A. Moving from India to Canada can be a great opportunity for those seeking a better quality of life, education, and employment opportunities. Canada is known for its welcoming culture, diverse population, and excellent healthcare and education systems.
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Q. What are the scholarships offered in Canada for Indian students?
A. Canada offers a variety of scholarships and financial aid options for indian students, including those from India. These scholarships can help cover tuition fees, living expenses, and other costs of studying in Canada.
Here are some of the scholarships available for Indian students:
– Vanier Canada Graduate Scholarships
– University of Waterloo International Master’s and Doctoral Awards
– University of British Columbia International Leader of Tomorrow Award
– Lester B. Pearson International Scholarship Program
– Carleton University Entrance Scholarships for Indian Students
– York University International Student Scholarship Program
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