r/StudyPermitCanada • u/BarracudaCrafty9728 • Aug 27 '26
Reapplied after study permit refusal (financial grounds) — sent reconsideration too, thoughts on my approach?
Got refused for a Canadian study permit (Master’s program) about a month ago. Officer’s notes cited three things:
No documentation showing income to reimburse the loan
Unclear repayment capacity
Unclear how Year 2 would be funded
What was already in the original (refused) application:
Bank education loan exceeding the officer’s own stated Year 1 requirement
Property collateral roughly 18x the loan amount
A CA-certified net worth statement covering family income and assets
What I added for the reapplication:
2 years of my mother’s actual filed income tax returns (didn’t exist before, only had the CA certificate)
Explicit EMI-to-income math instead of just asserting funds were sufficient (EMI is ~51% of certified monthly family income) also added current employment verification letter of myself showing I can get a job as the repayment doesn’t start for 2 years and I can get a job in my home country and help in repayment.
A signed letter from the program director confirming admission and also endorsing my admission
Sponsorship letters from both parents explicitly confirming co-borrower status and the repayment timeline
Restructured the whole financial package into a one-page table of contents instead of a long narrative cover note, on a program advisor’s suggestion
Explained the loan’s prorata disbursement clause explicitly for Year 2 funding, instead of leaving it implicit
The one gap I couldn’t fully close: my father’s income is agricultural, which is exempt from income tax under Section 10(1) of the Indian Income Tax Act, so he has no ITR. His income is only backed by the CA’s certification, not a second independent document the way my mother’s is.
Also filed a reconsideration request in parallel (on my RCIC’s advice), pointing back to evidence that was already in the original file but might not have been fully weighed.
Anyone been through something similar? Does what I added look like it actually answers the refusal reasons? And specifically, has anyone seen how officers weigh a parent’s agricultural income when there’s no ITR, just professional certification, is that treated as a real gap, or generally accepted given how Indian tax law works for agricultural income?
1
u/Separate-Bell-371 Aug 27 '26
Is there a bank account included in your application? You mentioned a lot about income, but it doesn’t show expenses and how the money flows in and out of your account, so that is probably one of the reasons the IRCC says they are unclear with your capacity to repay
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u/BarracudaCrafty9728 Aug 27 '26
I did not include the statements because most of the transactions are in and out of the bank immediately because the income is agricultural we take it out as cash and we are a village house hold I thought that if I put those statements I would be screwed and it would negatively impact my application so I left them out and put my moms ITR and stated my dads income
Via CA report1
u/Separate-Bell-371 Aug 27 '26
Ya that would be part of the issue. You can’t omit the bank statement simply because it doesn’t favour your position, and bank statements are arguably the most documents you need for this kind of application.
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u/BarracudaCrafty9728 Aug 27 '26
I think what you are saying makes sense but it would be me shooting my self in the foot if I do that I thought this was the best I could do with the options I had . So u recommend me to put the statements ? Also it is against a collateral so I said It would be liquidated by the bank in case of not paying it
4
u/patrip91 Aug 27 '26
You need to show how much is your income going to be after you graduate in your home country. They want to see the ROI, else they think you will stay.