Did you know that Canada welcomed over 400,000 Indian students in 2025, the highest number ever recorded? (Source: IRCC) 🇨🇦. While this makes Canada one of the top global study destinations, the path to securing a study visa has become more complex than ever.
As visa regulations evolve, many applicants are now struggling to understand two critical application streams, SDS and Non-SDS Canada. The confusion deepened after the major policy changes introduced in late 2024, which redefined how students must apply for study permits in 2025 and beyond.
For 2026 aspirants, understanding the difference between SDS and Non-SDS Canada, along with their documentation, IELTS requirements, and new updates, is no longer optional; it’s essential for a smooth and successful visa process.
What Is SDS and Non SDS Canada?
Before 2024, international students could apply for a Canadian study permit under two categories: SDS (Student Direct Stream) and Non-SDS (General Study Permit Stream).
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The Student Direct Stream (SDS) was launched by the Immigration, Refugees and Citizenship Canada (IRCC) to simplify and accelerate visa processing for students from select countries, including India, China, and the Philippines. Students applying under SDS benefited from faster processing usually within 20 calendar days if they fulfilled key eligibility requirements. These included paying the first-year tuition fee in advance, purchasing a Guaranteed Investment Certificate (GIC) of CAD 10,000 (₹6.3 lakh), achieving a minimum IELTS score of 6.0 in each band, and securing a Letter of Acceptance (LOA) from a Designated Learning Institution (DLI). The SDS system ensured that students entering Canada were financially stable, academically prepared, and genuinely interested in studying there.
The Non SDS category, meanwhile, was open to all students who didn’t meet one or more SDS requirements or were from non-eligible countries. Applicants under this route needed to provide detailed financial documents, including bank statements, income tax returns (ITRs), and sponsor letters, to demonstrate their financial capacity. The processing time was typically longer around 6 to 8 weeks as visa officers reviewed each application more thoroughly.
However, following IRCC’s 2024 policy update, the SDS framework began phasing out. By 2026, the Non-SDS route has become the standard and only category for all international students applying for study permits to Canada. The current process maintains the same core principles of financial credibility, academic eligibility, and genuine study intent but now applies uniformly to all applicants, ensuring transparency and equal opportunity for every student, regardless of their home country.
Difference Between SDS and Non SDS Canada
The table below summarises the main differences between SDS and Non- SDS visa applications timeline before and after the policy shift:
| Factors | SDS Canada | Non-SDS Canada |
|---|---|---|
| Processing Time | Around 20 days | 6-8 weeks |
| Financial Proof | GIC of CAD 10,000 (₹6.3 lakh) | Bank statements, income proof, and sponsor documents |
| IELTS Requirement | 6.0 overall, no band less than 6.0 | 6.0-6.5 overall (varies by university) |
| Tuition Fee | First-year tuition paid in advance | May pay partial tuition |
| Document Requirements | Simplified | Detailed and more comprehensive |
| Eligibility | Limited to specific countries | Open to all countries |
| Acceptance Rate | Higher (simplified) | Moderate (more scrutiny) |
The SDS process focused on streamlined approval for eligible students, while the Non-SDS process demanded a more detailed review. Post-2024, the Non-SDS stream absorbed most SDS characteristics, ensuring uniformity across applicants.
SDS Visa Requirements for Canada (Before Termination)
To qualify for the SDS visa Canada before its termination, students had to meet the following criteria:
- Valid Letter of Acceptance (LOA) from a DLI.
- GIC of CAD 10,000 (₹6.3 lakh) from an approved Canadian bank.
- IELTS Academic score of 6.0 or higher in each band.
- Proof of first-year tuition fee payment.
- Upfront medical exam and biometrics submission.
- Valid passport and Statement of Purpose (SOP).
These requirements made SDS highly convenient for financially prepared students.
Non-SDS Visa Requirements for Canada (2026)
Students applying under the Non-SDS category in 2026 must now follow a more comprehensive documentation process, which includes:
- Valid Letter of Acceptance (LOA).
- Proof of funds showing sufficient balance to cover tuition, living, and travel expenses.
- Bank statements, ITR, or sponsor letters demonstrating financial stability.
- IELTS score meeting university admission standards (typically 6.0-6.5 overall).
- Statement of Purpose (SOP) outlining study goals.
- Upfront medical exam and biometrics.
- Valid passport and academic transcripts.
This approach ensures a holistic assessment of each applicant’s intent and preparedness for studying in Canada.
IELTS Requirement for SDS and Non-SDS Canada
IELTS remains a mandatory test for most Canadian study permit applications.
- Under SDS, students needed an overall score of 6.0 with no band less than 6.0.
- For Non SDS IELTS requirements, universities may accept a range of 6.0-6.5 overall, though specific programs (like Nursing or Law) may demand higher scores.
A strong IELTS score continues to be one of the most important eligibility factors under the Non-SDS Canada category.
Step-by-Step Visa Application Process (Non-SDS 2026)
The Non-SDS visa application process for Canada in 2026 is designed for international students who may not meet the stricter criteria of the SDS stream, especially in terms of IELTS score, financial proof format, or eligible countries. However, if done correctly, the Non-SDS pathway can still lead to a successful study permit approval. Here’s a detailed breakdown of how students can apply under this category:
Step 1: Receive a Letter of Acceptance (LOA)
Before initiating the visa process, you must first secure admission to a Designated Learning Institution (DLI) in Canada. Ensure that your chosen program is full-time and recognized by IRCC. Most Non-SDS applicants apply to universities and colleges with flexible admission intakes in January, May, or September 2026.
Step 2: Gather the Required Documents
For Non-SDS applicants, document verification plays a major role in visa approval. At this stage, ensure that all documents listed in the requirements section are compiled and properly organised. Pay close attention to financial proofs and the accuracy of your academic and identity records. Each document must be genuine and verifiable since even minor discrepancies can lead to delays or rejections. Students must ensure every document is scanned clearly and uploaded in PDF format to avoid processing delays.
Step 3: Pay the Application and Biometric Fees
The visa application fee under the Non-SDS stream is CAD 150 (₹9,453), and the biometric fee is CAD 85 (₹5,364). Payments can be made online through the IRCC portal.
Step 4: Submit the Online Application
Create an account on the IRCC portal and fill out the study permit application form carefully. Upload all required documents, pay the fees, and submit the form. Double-check your details for accuracy before submission, as inconsistencies can cause rejection.
Step 5: Complete Biometrics and Medicals
After submission, you’ll receive a Biometric Instruction Letter (BIL) within 24-48 hours. Schedule your biometric appointment at the nearest VAC (Visa Application Centre) within 30 days. Parallelly, complete your medical exam at an IRCC-approved panel physician.
Step 6: Wait for the Visa Decision
Processing under the Non-SDS stream typically takes 8–12 weeks, depending on the complexity of your profile. You can track your application status through your IRCC account. Once approved, you’ll receive a Port of Entry (POE) Letter of Introduction and a temporary resident visa (TRV) stamped on your passport.
Step 7: Prepare for Your Arrival in Canada
After receiving your visa approval, plan your arrival at least 2–3 weeks before your course start date. Carry essential documents such as your LOA, proof of funds, vaccination certificates, and the POE letter for verification at Canadian immigration.
Tip: Double-check that all your financial documents demonstrate a consistent income flow. IRCC officers look for proof that your funds are legitimate and sufficient for your stay.
Which Is Better: SDS or Non-SDS Canada in 2026?
With the discontinuation of the SDS program, Non-SDS Canada is now the standard and only study permit route. However, the Non-SDS process still reflects many SDS features like upfront tuition payment and English language proof making it familiar for returning applicants.
Students should focus on strengthening:
- Financial documentation
- IELTS performance
- SOP quality
- Academic consistency
Strong preparation ensures higher visa success rates, even under the Non-SDS system.
Impact of SDS Termination (2024-2026)
The SDS stream officially ended in 2024, as per updates from IRCC Canada. This shift aimed to create a single, transparent process for all study permit applicants, ensuring uniformity across regions.
For Indian students, this change meant adapting to a more document-intensive Non-SDS approach. However, it also opened equal opportunities for students from all countries.
Tips for Students Applying Under the Non-SDS Category (2026)
Applying under the Non-SDS category involves more documentation and financial proof, but with the right strategy, you can still secure a smooth visa approval. Follow these key tips:
1. Write a Clear and Genuine SOP
Keep your Statement of Purpose concise and personal. Explain your study goals, course choice, and future plans honestly , especially if you have academic gaps or a low IELTS score.
2. Show Proof of Genuine Finances
Since Non-SDS doesn’t require a GIC, include:
- 6 months’ bank statements
- Fixed deposits or education loan letters
- ITRs of your sponsor
Ensure funds are traceable and sufficient for tuition and living costs.
3. Target a Higher IELTS Score
Even though Non-SDS accepts lower scores, aim for IELTS 6.5 overall (no band below 6.0) to build credibility and improve admission prospects.
4. Choose the Right Program and DLI
Apply to Designated Learning Institutions (DLIs) with a solid approval record. Pick a course that aligns with your past education and career path; it signals genuine intent.
5. Stay Honest and Consistent
Be transparent in every detail, from financial documents to academic records. Any inconsistency can lead to rejection.
6. Apply Early
Start 4–6 months before intake to allow time for document verification, biometrics, and medical exams.
7. Track IRCC Policy Updates
The living cost requirement for 2026 is CAD 20,635 (₹13,00,941). Keep checking the official IRCC site for updates on requirements and timelines.
Pro Tip: Keep both digital and physical copies of every document. This saves time if IRCC requests
Conclusion
Even with the end of SDS, Canada remains one of the most student-friendly countries for higher education. The new Non-SDS Canada visa structure in 2026 ensures fair evaluation for all applicants, provided they demonstrate academic readiness and financial stability.
If you’re planning to study in Canada this year, LeapScholar can help you every step of the way from shortlisting universities and preparing your SOP to ensuring your visa documents meet the latest Non SDS requirements.
Start your Canada journey today, book a free counselling session with LeapScholar’s advisors, and secure your study permit with confidence.
Frequently Asked Questions(FAQ’s)
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What is the difference between SDS and Non-SDS visa?
The SDS visa focuses on faster, simplified processing for eligible students, while the Non-SDS visa involves a more traditional review process. SDS applicants must submit a CAD 20,635 GIC, full tuition fee, and meet IELTS 6.0 in each band, whereas Non-SDS applicants can provide alternate financial proofs like bank statements and income tax returns. The SDS approval rate is generally higher, but Non-SDS remains a strong alternative for students with diverse financial or academic situations.
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Which is better, SDS or Non-SDS?
Both SDS and Non-SDS have their own advantages. SDS is ideal for students who meet all the standard requirements since it offers faster processing and higher visa approval rates. Non-SDS, on the other hand, provides flexibility for those who may fall short on the IELTS score or GIC deposit but can present strong financial documentation. The choice depends entirely on the student’s profile and preparedness.
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Is IELTS required for Non-SDS Canada?
Yes, IELTS or another approved English proficiency test is required even under the Non-SDS category. However, the minimum score criteria are more flexible than SDS. Many colleges accept an overall IELTS score of 6.0 with 5.5 in one module or equivalent scores in TOEFL, PTE, or Duolingo. A strong English score still improves both admission and visa success rates.
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Which colleges accept Non-SDS in Canada?
Most Designated Learning Institutions (DLIs) in Canada accept Non-SDS applicants. Some popular choices among Indian students include Lambton College, Conestoga College, St. Clair College, Cape Breton University, University Canada West, and Niagara College. Students should always check if their chosen institution is listed on the official IRCC DLI list before applying to ensure visa eligibility.
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What is the disadvantage of a Non-SDS visa?
The main drawback of a Non-SDS visa is the longer processing time and stricter scrutiny. Since applicants don’t provide a GIC or fixed IELTS score, visa officers take extra time to verify financial and academic credibility, often leading to lower approval rates.
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