A non-SDS applicant paid CAD 5k tuition upfront, showed ₹2 crore in funds, and was still refused — with the officer's notes citing cost-benefit and a puzzling CAD 82k cost figure against a CAD 35k total fee. The thread decodes both mysteries:
- The 82k isn't a mistake — it's fees plus living costs. Members concluded the officer's figure combined the full program fee with estimated living expenses for the duration (and possibly a misread of the fee schedule: ~31k first year, ~5k second year). Officers evaluate the whole cost of the plan, not the tuition line.
- Big bank balances don't answer cost-benefit. ₹2cr proves you can pay; the refusal asks why this program is worth that outlay for this applicant. The SOP must argue return on investment: what the program adds over cheaper local options, and how it pays off in your career.
- The reapplication plan endorsed by the group: defer to the next intake, then reapply with an SOP that explicitly walks through the cost-benefit math — program cost (including living expenses, using realistic figures), expected career outcome, and why the premium over studying at home is justified.
- Check conditional-offer strings. The offer letter required an accounting principles course; members asked whether its enrollment receipt was included. Unmet or undocumented offer conditions give officers an easy extra doubt.
- If an agent filed it, make them earn the fix — or handle the reapplication yourself with the notes in hand.