Migrating from India to Canada is a life-changing decision, but it is also a significant financial commitment. In 2026, with updated government fees and the
Total Cost Breakdown: Immigrating to Canada from India in 2026 (INR vs. CAD)
Migrating from India to Canada is a life-changing decision, but it is also a significant financial commitment. In 2026, with updated government fees and the current exchange rate (approx. 1 CAD = ₹63.50), having a clear budget is the first step to a successful application.
This guide breaks down every cost—mandatory fees, document verification, and proof of funds—to help you plan your finances down to the last rupee.
1. Step 1: Pre-Invitation Expenses (The Starting Line)
Before you even enter the Express Entry pool, you must invest in your profile. These costs are paid upfront and are non-refundable.
| Service | Estimated Cost (CAD) | Estimated Cost (INR) |
| IELTS / CELPIP (Language Test) | $285 | ₹18,000 |
| ECA (WES Evaluation) | $264 | ₹16,700 |
| Courier & Notarization | $100 | ₹6,300 |
| Total Starting Cost | **$649** | ₹41,000 |
2. Step 2: Post-ITA Government Fees
Once you receive your Invitation to Apply (ITA), you have 60 days to submit your full application and pay the official IRCC fees.
Fee Structure for 2026
- Principal Applicant: $1,525 (Processing Fee + Right of PR Fee)
- Spouse or Partner: $1,525
- Dependent Child: $260 per child
- Biometrics: $85 (Individual) or $170 (Family)
Pro Tip: Always pay the Right of Permanent Residence Fee (RPRF) upfront with your application to avoid delays in your visa issuance later.
3. Step 3: Medicals, PCC, and Miscellaneous
After submission, you will be required to visit an IRCC-approved doctor and provide police clearances.
- Medical Exam (India): Approx. ₹7,000 – ₹9,000 per adult.
- Police Clearance (PCC): ₹500 per person via Passport Seva Kendra.
- Biometrics (VFS Global): Approx. ₹5,400 per person.
4. The “Proof of Funds” Requirement (2026)
This is not a “fee” you pay to the government, but rather money you must show in your bank account to prove you can support yourself. As of January 2026, the requirements have increased:
| Family Size | Funds Required (CAD) | Funds Required (Approx. INR) |
| 1 (Single Applicant) | $15,263 | ₹9.7 Lakhs |
| 2 (Couple) | $19,001 | ₹12.1 Lakhs |
| 3 (Family of 3) | $23,360 | ₹14.8 Lakhs |
| 4 (Family of 4) | $28,362 | ₹18.0 Lakhs |
Summary Table: Total Estimated Investment
(Excluding Proof of Funds & Consultant Fees)
| Applicant Type | Total CAD | Total INR (Approx.) |
| Single Applicant | ~$2,350 | ₹1.50 Lakhs |
| Couple (No Kids) | ~$4,600 | ₹2.92 Lakhs |
| Family of 3 | ~$4,950 | ₹3.14 Lakhs |
Frequently Asked Questions (FAQ)
Q: Do I need to show Proof of Funds if I have a job offer?
A: No. If you have a valid, LMIA-supported job offer or are applying under the Canadian Experience Class (CEC), the proof of funds requirement is generally waived.
Q: Can I use property as proof of funds?
A: No. IRCC requires liquid assets. Real estate, jewelry, or future gold sales do not qualify. The money must be in a bank account (Savings/FD) and accessible to you.
Q: How often do the fees change?
A: IRCC typically adjusts fees every twond year to account for inflation. The next major adjustment is expected in April 2026.
Conclusion: Plan Early to Avoid Surprises
Immigrating is an investment in your future. While the costs may seem high, breaking them down into stages makes the journey manageable. Ensure you have your “Starting Line” funds ready before you book your IELTS!
You may also read: Canada PR for Indians in 2026: Why Category-Based Selection is the New Express Entry
Confused about which stage you are in? Let Skylarks Immigration handle the math for you. We provide a full financial roadmap during our consultations.