Canada Trip Cost from India

Canada Trip Cost from India

A 10-day Canada trip cost from India comes to Rs. 4.69 lakh for 2 people in the plan below, with flights making up 47% of it. Visa and biometrics fees add CAD 185 per person.
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Key Takeways

 
 

In summary

The Canada trip cost from India depends on flights, stay and season more than on the visa. A Bajaj Finance Personal Loan can fund the part your savings do not cover, repaid in fixed monthly payments.


  • A visitor visa costs CAD 100 per person, and biometrics cost CAD 85 per person.
  • At Rs. 66.95 per Canadian dollar, visas and biometrics for 2 come to Rs. 24,771.
  • Kavya's 10-day plan for 2 people totals Rs. 4,68,771.
  • Rs. 3 lakh at 13% per annum costs Rs. 14,263 a month over 24 months (2 years).

Apply for the visa first, then book flights. A visa refusal after booking non-refundable fares adds to the Canada trip cost.

How much does a Canada trip cost from India?

plan, covering Toronto, Niagara Falls and Montreal. The figures are her own quotes from October 2026, not market averages, so use them as a template.


Cost item (Kavya's plan, 2 people, 10 days)Amount (Rs.)
Visitor visas and biometrics, 2 people (CAD 370)24,771
Return flights, 2 people2,20,000
Stay, 9 nights at Rs. 12,000 a night1,08,000
Food, 10 days at Rs. 6,000 a day60,000
Local transport and sightseeing50,000
Travel insurance, 2 people6,000
Total4,68,771

Last updated: 15th October, 2026


Flights (Rs. 2.2 lakh) and stay (Rs. 1.08 lakh) make up 70% of this Canada trip cost. Booking both early has the largest effect on the total.

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What does a Canada visitor visa cost?

A Canada visitor visa costs CAD 100 per person, plus CAD 85 per person for biometrics. At Rs. 66.95 per Canadian dollar, that is Rs. 12,385 per person, or Rs. 24,771 for 2 people.


Immigration, Refugees and Citizenship Canada (IRCC) sets these fees in Canadian dollars, so the rupee amount changes with the exchange rate. Processing times vary by country, so check IRCC's current estimate for India before you fix travel dates and add the result to your Canada trip cost plan.

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How can you lower your Canada trip cost?

You can lower your Canada trip cost by cutting the 2 largest items, flights and stay. These five steps make the biggest difference:

  • Book flights early: Fares rise as seats fill, so book once your visa is approved.
  • Avoid peak months: Summer and the December holidays raise flight and hotel prices.
  • Stay outside city centres: Hotels near a subway or train line cost less than central ones.
  • Use public transport: Toronto and Montreal both run subway systems.
  • Buy travel insurance early: Insurance bought before a refusal or delay covers more.

Each saving reduces the amount you need to borrow. A smaller loan keeps the monthly payment after the trip lower.

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What will a personal loan for the trip cost?

At an illustrative 13% per annum, a Rs. 3 lakh personal loan towards your Canada trip cost is repaid at Rs. 14,263 a month in equated monthly instalments (EMIs) over 24 months (2 years). A shorter tenure raises the EMI but cuts the total interest.


Worked example: Kavya in Bengaluru

Kavya is 32 and works as a salaried product manager in Bengaluru. She earns Rs. 1,50,000 a month and has a CIBIL score of 770. Her 10-day Canada trip cost for 2 people is Rs. 4,68,771, and she has Rs. 1,68,771 in savings. She borrows Rs. 3 lakh at an illustrative 13% per annum.


EMI = P × R × (1 + R)^N ÷ [(1 + R)^N − 1]. P is the loan amount in rupees, R is the annual rate divided by 12 and by 100, and N is the tenure in months. The formula spreads the principal and interest into equal monthly payments, so early EMIs carry more interest and later ones more principal. All figures are rounded to the nearest rupee.


TenureMonthly EMI (Rs.)Total interest (Rs.)EMI as share of salary (%)
12 months (1 year)26,79521,54217.9
24 months (2 years)14,26342,3019.5

Last updated: 15th October, 2026


The 24-month option lowers the EMI by Rs. 12,532 but adds Rs. 20,759 in interest. The processing fee on Rs. 3 lakh is up to Rs. 12,390. Kavya picks 12 months (1 year), so the full Canada trip cost is repaid before she plans her next trip.


What can delay approval: a CIBIL score below 650 or existing EMIs that take up a large share of your income. Names or addresses that do not match across documents, and more than one loan application in the same month, can also slow it down.

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What are the eligibility criteria and documents required?

To be eligible for a Bajaj Finance Personal Loan towards a Canada trip cost, , you need to meet the criteria listed below:


CriterionRequirement
NationalityIndian
Age21 years to 80 years.
Employed withPublic, private, or multinational companies (MNCs).
CIBIL Score650 or higher.
Customer profileSelf-employed or Salaried

*You should be 80 years or younger, at the end of the loan tenure.

Last updated: 16th October, 2026


Meeting these criteria does not guarantee approval, which depends on eligibility, verification and credit assessment. No collateral or guarantor is required.


You may need the following documents, subject to your profile and application:


Document categoryAccepted options
KYC proofAadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
Identity proofPAN card, Real-time image / photograph
Employment proofEmployee ID card, Letter of Allotment of Accommodation Issued by Employer
Income proofSalary slips — last 3 months, Bank account statements — last 3 months
OthersPension order, Utility bill, Phone bill, Piped gas bill, Property / Municipal tax receipt

Not every applicant needs every document. Confirm the final list of required personal loan documents during your application.

Check your eligibility for personal loan with phone number and OTP → Apply online in 5 minutes → Receive funds within 24 hours*

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What interest rate and charges apply?

Bajaj Finance interest rates and charges on a loan towards your Canada trip cost, subject to applicable terms and customer eligibility, are listed below:

ChargeAmount
Interest rate10% to 30.5% per annum, subject to applicable terms and customer eligibility
Processing feeUp to to 4.13% of the loan amount, inclusive of applicable taxes
Bounce chargesRs. 700 to Rs. 1,200 per bounce
Penal chargeUp to 36% per annum on the overdue instalment
Part-prepayment and foreclosure (Term Loan)Up to 4.72% of the principal, inclusive of applicable taxes
Part-prepayment (Flexi Dropline and Flexi Hybrid Loans)No charge
Flexi facility chargeRs. 1,999 to Rs. 18,999, inclusive of applicable taxes
Annual maintenance (Flexi Dropline Loan)Up to 0.295% of the Dropline limit
Annual maintenance (Flexi Hybrid Loan)Up to 0.472% in the initial tenure; up to 0.295% in the subsequent tenure

Last updated: 16th October, 2026

*Terms and conditions apply.


Charges are disclosed in the applicable product information and loan documents, so read your Key Fact Statement before you accept. Add the processing fee to the interest when you compare offers, and see the personal loan interest rates and charges page for details.

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When should you not borrow for a trip?

Do not borrow for a trip if the EMI would strain your budget, or if waiting 6 months (half a year) would let you save the amount. The table compares the options for meeting a Canada trip cost.


OptionSuits you ifTrade-off
Save first, travel laterYou can wait 6 months (half a year) or moreThe trip moves later
Shorter trip or 1 cityA 6-day trip fits your savingsFewer places seen
Personal loanA fixed travel date and a gap after savingsInterest and a processing fee of up to 4.13%

Last updated: 15th October, 2026


Borrow only the gap, not the full Canada trip cost. Keep the visa outcome in mind too: if the visa is refused, an unused loan still carries interest.

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How do you apply?

You apply for a Bajaj Finance Personal Loan online in five steps:

  • Check loan eligibility: Enter the required loan amount and repayment period, then click "CHECK LOAN OFFER".
  • Enter personal details: Enter personal, financial and employment details to receive a personalised offer.
  • Loan offer: Review the offer details and adjust the amount or tenure to suit the applicant's needs.
  • KYC verification: Complete KYC and verify bank details.
  • Talk to loan specialist: The application is submitted and an executive contacts the applicant about the next steps.

The process may differ for new and existing customers, and some customers may need to provide additional documents. Apply once your visa is approved, so you borrow only for a Canada trip cost that you will actually incur.

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Key offerings: 3 loan types

  • Flexi Hybrid Loan
  • Flexi Dropline Loan
  • Term Loan

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    You can pay interest-only EMIs for up to 36 months, after which, the EMI will consist of both, the principal and the interest. EMI is applicable only on the withdrawn amount.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest on the loan amount you withdraw.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Amount disbursed in one go
    The entire loan amount is disbursed at the start.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest.

  • Flexi facility charges
    No Flexi facility charges.

Personal loan interest rate and applicable charges

Type of fee

Applicable charges

Rate of interest per annum

10% to 30.5% p.a.

Processing fees

Up to 4.13% of the loan amount (inclusive of applicable taxes).

Flexi Facility Charge

Term Loan – Not applicable

Flexi Loans –Up To Rs 1,999 To Up To Rs 18,999/- (Inclusive Of Applicable Taxes)

Will be deducted upfront from loan amount.

Bounce charges

Rs. 700 to Rs. 1,200/- per bounce

“Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason.

Part-prepayment charges

Full Pre-payment:

  • Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment

  • Flexi Term (Dropline) Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

  • Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

Part Pre-payment

  • Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-Payment.

  • Not Applicable for Flexi Term (Dropline) Loan and Flexi Hybrid Term Loan.

Penal charge

Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.

Stamp duty (as per respective state)

Payable as per state laws and deducted upfront from loan amount.

Annual maintenance charges

Term Loan: Not applicable

Flexi Term (Dropline) Loan:

Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges.


Flexi Hybrid Term Loan:

Up to 0.472% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Tenure. Up to 0.295% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure

Credit guarantee scheme feeUp to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount
Credit guarantee scheme renewal feeUp to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount as on April 01 of the subsequent Financial Year.
*Renewal Fee to be collected only for 3 subsequent financial years.
 
**If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated.

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Frequently asked questions

Visa and timing

Budget and funding

How much is the Canada visa fee for Indians?

A Canada visitor visa costs CAD 100 per person, and biometrics cost CAD 85 per person, according to the IRCC fee list of 30th April, 2026. At Rs. 66.95 per Canadian dollar on 15th October, 2026, that is Rs. 12,385 per person. The rupee amount changes with the exchange rate, so check it on the day you pay and update your Canada trip cost plan.

Apply as soon as your travel dates are fixed, since processing times vary by country and season. Check IRCC's current processing estimate for India before you apply. Book non-refundable flights only after the visa is approved, so a refusal does not add cancelled fares to your Canada trip cost. Keep your passport valid for the full stay, since the visa cannot run beyond it.

In Kavya's plan, a 10-day trip for 2 costs Rs. 4,68,771, including visas, flights, stay, food, transport and insurance. Flights and stay make up 70% of it. Your Canada trip cost depends on the season, the cities you visit and the type of stay you book. Use her table as a template, then replace each line with your own quotes.

Yes, a Bajaj Finance Personal Loan has no end-use restriction, so it can pay for flights, stay and visas. Borrow only the gap after savings, since every rupee adds to your EMI and total interest. Approval, amount and rate depend on eligibility, verification and credit assessment. Check your offer before you book, so you know the monthly payment your Canada trip cost will create.

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