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Non-SDS proof of funds: is 2 years of ITR mandatory, or can you rely on savings instead?

Canada • Study Permit • study 0 views
By VisaBuddies Communityvia community — compiled from public visa forums

Documents Needed

  • Income Tax Return (ITR)

    Members say ITR is not mandatory for Non-SDS if you can show sufficient funds another way — it strengthens the file but isn't the only path.

  • Fixed Deposits / GIC / savings statements

    An applicant reported success with ~17 lakh in FD + GIC plus a documented 30k monthly income; another cited 8–10 lakh held for 5–6 months as a workable Non-SDS funds level.

Step-by-Step

An applicant with rental income that only recently started (so only 1 year of ITR is available, not the usual 2) asked whether Non-SDS applications strictly require 2 years of ITR.

  1. ITR isn't a hard requirement for Non-SDS — sufficient funds can substitute. A member stated plainly that ITR can be skipped if you demonstrate sufficient funds through other means (savings, FDs).

  2. A continuous income source strengthens the file, but isn't the only route. One member relayed advice from a consultant that a documented income above roughly 8 lakh/year makes for a 'strong' file — useful context, though not a stated hard rule from IRCC itself.

  3. Real examples from the thread: one applicant applied with 17 lakh in FD + GIC plus a 30k monthly income proof; another mentioned 8–10 lakh held in the account for 5–6 months as workable for Non-SDS.


Takeaway: if you're short on ITR history, lean on a well-seasoned funds balance (several months old, not last-minute) sized comfortably above the minimum requirement, and be ready to explain the income gap in your SOP rather than assuming the file is automatically weak.

Dos, Don'ts & Tips

  • Tip: If you can't show 2 years of ITR, compensate with seasoned savings/FDs held for several months rather than a last-minute deposit.
  • Do: Explain any income gap (like a rental income stream that only just started) directly in your SOP rather than leaving it unaddressed.

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