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This is gonna be a long one.Not sure if I’m gonna post this as an answer to a question, or an independent blog, though I’ve been waiting to write this for a while now and I’m finally gonna pen down the whole journey!TLDR; I received my Canada PR, it was a long time consuming process, but finally got it.November 2014, I’d just started researching for ways to move abroad. Job-route, study-route, etc etc. Then stumbled upon the ‘Canada PR’ thing and heard that its relatively easy to get a Canada PR (or Australia). Met with a few agents in Bangalore, all demanded fees of something around 70k + the official application fees.In 2014 it was a first-come-first-serve FSW program and seemed fairly straightforward to me, except that I needed IELTS and there were no nearby dates available! In my rush I booked a date of Jan, 2015 for Goa centre (while I was working in Bangalore) thinking that I’d just take a few days off from work, go there, answer and come back. Mistake #1.I couldn’t go to the exam, so I skipped it. I got a dental certificate stating that I can’t do speaking neither can I travel and hence asked for a re-schedule. Saved some money there, I suppose. Though the exam got re-scheduled to June 2015. I finally answered in June and got my results in July 2015. In the interim I had my WES done too and since that’s valid for 5 years I was sorted there.The same day I got my IELTS score (8) I created my EE profile. Got an email with all details etc, score of 438. 438 sounded like a really good score, I was so sure I’ll get the ITA in the next 1 month itself. LMAO, I was so bloody optimistic. So, stupid me, went to the agent who I thought was the best and spoke to them about my case and how I’ve done everything and I just need some guidance on what to do post-ITA.Mistake #2!!I requested my salary in advance for this month so I could pay them the 57k they demanded. AFTER I had created my EE Profile, done ECA and IELTS on my own. What the fuck was I even thinking!As expected, the agents didn’t do anything. They just requested me to send them all my documents, and I did that immediately. A month later I know they hadn’t even logged in to my account. How do I know this? They didn’t ask for my password! What the hell?!December 2015 I start researching more on ways to improve my score, as the draws had continuously been for 450+. #JustMyLuck. I even considered learning french and taking the french exam!Thats when I heard that if you recreate your profile, you will get an OINP nomination. I was pretty psyched but also dubious, how can this be true?So I went ahead and re-created my profile in Jan 2016. Jan 31st, to be specific.Feb 1st, I received a letter of notification stating that I was invited to apply for Ontario Nomination.Now at first I thought I’d directly gotten the nomination so I was super happy about it. Though on reading the letter I came to know its just a invitation and I could choose to apply if I wanted to, and pay CAD1500 for the same and receive it in 3 months.Alright, not a big deal, considering I’d been waiting for more than a year with nothing else to do. It was a nice glimmer of hope.Though I was pretty angry that my agents didn’t know this and hadn’t really bothered telling me about this silly hack. I went to their office and kicked up a big fuss about it. The lady there even had the nerve to tell me that I got the nomination just because their lawyers name was in my profile. I just said “really?” and walked out of there, even though I wanted to grab her by the shoulders and shake her a bit!Never mind that the representative can’t really influence my case, his name wasn’t even in this “new” profile that I just created. #ftw.I then wrote to their head office in Delhi and to their director informing them of how careless their staff was and how I don’t want to proceed with them anymore and at the very least be assigned a more senior member who knew what the fuck to do. So they assigned me to the Delhi team instead, very well.Though, here’s the kicker. Because I was a OINP Applicant now I’d have to pay an additional 40k. Like, what for?! I asked them, their answer was standard Processing Fees for PNP Applicants it is. I simply asked them for a breakdown of what the 40k actually involves, like how much of this goes towards what service they’re providing. Apparently they took it to mean that I was negotiating, so they brought it down to 20k.Now I’m more than happy to pay 2lakhs if they can just bloody tell me that they are doing something useful, but paying an arbritary amount without knowing what its for didn’t make sense to me. Anyways I went ahead and paid that, not like I had much of a choice really.I collected all documents and had everything ready by Feb 18th. Collecting documents was a big fiasco on its own, considering I didn’t really have steady jobs where there were proper HR teams to manage paper work etc. Most places were startups where I’d just have to draft the letters on my own and get them signed. Probably the most difficult was trying to get the dates right because fuck knows what exact date I started working and finished working at each place. Geez.After collecting all the documents in place, I couriered the whole file to Delhi office. They checked it a bit and forwarded it to Ontario for me. I remember the date, I put a countdown timer of 90 days. Informed everyone how I’d finally be getting the nomination in 3 months. Haha, I was so happy then.Though, wait. Here’s the kicker. 90 days came and went. No sign of the nomination. No sign of the 600 additional points. :/ Its May 2016, I’m all excited to get my ITA and leave India by December 2016, but no bloody sign yet. Where the fuck is my nomination.I started googling around more, and came across the Canadavisa forums around then. Found a thread where more people were in the same state as me and were connected on WhatsApp, so I requested them to add me in.That was the ONE best thing I did all along. This group has been a constant support to me through this whole process. You know how they say “misery loves company” Fucking hell I found out how true that is! Here was a group of 30 people who had the same misery as me and its insanely helpful to know you’re not some ridiculous exception and to maintain your sanity.We all wrote in to OINP, asking them where the fuck are our nominations. We all got generic responses “Oh, there’s a large volume of applicants” and we will contact you when there is an update.We bitched. Ranted. Cried on each others shoulders.Now to most people this might not seem like a big deal. Wait for it.180 days came and went. And remember the CAD 1500 we had to pay? That was a DD. Yup, Demand Draft. And you the deal with international DD’s? They expire within 6 months. And OINP Department had not yet en-cashed these. So at around 200 days we all started getting emails requesting for new DD’s. Hell this was another kick in the nuts, but we were happy that someone’s doing something at least.ICICI Bank was CROWDED. Filled with people requesting new DD’s and enquiring about how do we get our money back from the old DDs. Though there was nothing much we could do. So we sent our DDs. Around 5000 DD’s found their way to OINP Office in the months from August 2016 to December 2016. (Assuming 5000, because OINP quota was up to 5k people).And finally we received our old DD’s back and could cancel them. Anyways. The monetary issues aside.There was a time when everyone in my group was congratulating each other because we received an email saying “We have received your DD”. Haha. I kid you not! Grown-ass people happy about receiving acknowledgement receipts. This hell you will only understand if you’ve been through it yourself :)Finally OINP started working on our files. We knew because we kept receiving Additional Document Requests. And these were as random as it gets. Some people got requests for new Bank Statements, some for job-related documents, etc etc. We all duly supplied everything.And then we have it again. Radio silence. For 2 months nothing.Finally in late November 2016 people started receiving their nominations. A whole 300+ days after they’d applied.I’d filed mine on 25 Feb 2016 (much later than everyone else) so mine got held back even longer than the others.Finally received my nomination on 22nd Feb 2017. Yup. A whole year after I applied. So much for a promised timeline of 90 days. I have around a thousand white hair I can attribute to this period alone!!And my score went up to 1038 on 22nd Feb 2017.Now, wait for the real kicker.2017 brought with it a whole new trend. That of dropping scores.The draw at which I got selected at?The score was 434.My score was 438 pre-OINP.Now it was 1038.And I got in in a draw with a cut-off of 434.What was the use of the OINP nomination and 1 year wait?Wanted to kill self. Instead settled for pulling hair out, both white and black. The more the merrier.It was a mixed feeling. Relief,of course because at least I’d gotten the ITA. 1.5 years after I initially expected it, but something nevertheless. Pointlessness of the whole nomination situation.“Chill, because we’re OINP our applications should be processed faster”. My WhatsApp group’s general consensus was this. By this time we stood at 50 members or so. And even if it gets rejected for any reason, we can always transfer our nomination to a new profile. Thankfully no-one I knew had to do that because, hey, guess what, nominations are only valid for 6 months. And fuck me if CIC actually processed even a single application within 6 months.Oh wait and there’s another kicker. MyCIC Profiles expire within 365 days. Yup. So, around the time we were getting our nominations, our profiles were already expiring. Remember my profile creation date was Jan 31st?So we had to create new profiles, wait till it reflected in the system, and then email OINP again informing them about the new profile.All while holding on to the faint string that maybe they will actually issue the nominations before we lose our minds!Let me paint a picture for you. This is my WhatsApp group alone, sure there’s a hundred thousand more people like this out there. We’re a group of 50 people ranging in age from 25 to 40. Married and single, with children and without. Dating and looking for marriage alliances. Men, women. With jobs, without jobs. Various phase of life. Though, we’ve had to put EVERYTHING on hold because of our immigration plans.Because OINP wasn’t responding with a yay or nay, we couldn’t move ahead.I couldn’t decide whether I needed to get married or not despite pressure from family. My friends were holding off having children because they didn’t want to land in Canada mid-ways through a pregnancy, or, with an infant. A friend of mine put off looking for a bride because he didn’t want to take her there without a job or any steady source of income. He was already 30 or so at this time, and everyone knows what Indian families are like when it comes to the topic of marriage.That was the most harrowing part. Like, its one thing if your approval is guaranteed and you just have to wait for it to come through. But, for you to have to wait indefinitely with no naamo-nishaani of what could happen, that’s far too much uncertainty to be comfortable with.Anyways, back to my application. So I received ITA in a draw with a cut off of 434, which anyways I would have received with a score of 438.I prepared all docs again. Fuck, I’d forgotten all previous documents. I didn’t really keep a hard copy of everything I couriered to OINP, and everything on my laptop was in some 100-odd folders. Fuck! I had to literally double check all dates again of my job reference letters, etc etc etc.Got that all done, and officially filed my application on March 22nd, 2017. Phew. The worst is over. CIC assured us their processing time is 6 months, so I went back to my countdown timer app on my phone with a deadline of 18th Sept 2017.18th Sept came and went.I kept hearing how ALL NEW APPLICANTS of 2017 were getting their PR processed in like 35-50 days.Hell, I had a couple of those people ping me on Quora for help.I’ve seen people who applied after me, land in Canada already.And here I was at 180 days and still no PR. I mean,come on!!!! Somebody show some pity.Apparently PNP applications were being processed a lot slower than regular applications. You have got to be fucking kidding me.I called up CIC office around 9th September just out of curiosity to know what to expect. They informed me that my file had just moved to New Delhi Visa Office one day back. So again, I at least had some glimmer of hope.On day 189, I went out to a cafe to work from there for a change. And the first thing I did when I turned on my laptop is to check my MyCIC profile. There it was! An update. My background had changed to IP2. Thats “In Progress, the Sequel” for those of you in the don't-know. Also the penultimate step before PPR.I almost cried there I was so excited.A friend of mine had received his PPR within 30 mins of IP2. I was nervously hoping for my case to be the same. But, hey, I’ve got my WhatsApp group to bring me back to reality. They said be prepared for a 3-week wait.So, I did what I always do. Yes, yes, I put a countdown timer on my phone. 21 days.And then I looked into my Gmail. And there it was. A notification saying “You have received a message in your MyCIC profile”.In just 45 mins. Could it be? Could this be my passport request? My hands were shaking as I logged in!And finally, the golden email. The Passport Request. The PPR. The CoPR. The final stage. Remember how I was almost in tears? Yea, I gave in. I cried. Haha.I was so insanely excited. Though yes I was at a cafe and couldn’t really scream or dance or do anything much. A yoga cafe at that. It was ridiculously pristine! So I settled for calmly finishing off my Detox-Chai and leaving a tip equal to the cost of the chai itself.So yeah. Thats my story. It has really been a long frustrating wait. Not that I had to do much, it wasn’t like doing a MBA where you spend 24 hours a day on the task. But the wait. The insane amount of wait. The uncertainty. The unsureity of what will happen. The not-being-able-to-move-ahead-with-your-life part.2017 seems to be a lot easier so I truly hope us being the guinea pigs has helped OINP and CIC streamline their systems now. I’d love to help around others but frankly its down to just doing the right amount of research. Canadavisa forums is the best bet for this.Without my WhatsApp group I’d have lost my mind and probably ten thousand more hair too. So find your WhatsApp group. And hold on to them, they will keep you going.We have plans to meet in Canada for a BBQ party when everyone’s finally there. I can’t believe how close I am to this group without ever having met any of them! Its like having a PR family If any of you out there reading this, let me know and I’ll tag you in.Well what do you know, I found a relevant question for my answer. Hopefully this will help someone. Good luck people.Edit, forgot to add one point.I’d lost all trust in the agents by this time and proceeded to apply on my own. They till today have no idea of my application stage and are happily sending me weekly reminders to ‘Submit my Documents to them at the earliest’.

I am sorry, but I want to utilise this question (opportunity) to a next level i.e - from complaint level to solution level. I am giving my answer in three phases here.A transcript of my email is given hereunder which was addressed to the chairman of a PSU bank and surprisingly, action taken in a day against the manager. Content of my email is self explanatory regarding the matter related to loan.Bank staff/manager is well aware with the nature of Indian people.they know it well that the person sitting infront of him is a fool. He will argue for hours, but never write a complaint to the higher authorities. Thus they speaks anything beyond the banking rules, thus you are advised to ask them to give in writing, what ever they speaks verbal.I have read so many answers given hereunder related to this question and found one uniformity that even after suffering with the rude behaviour of bank staff /manager, misguided/misleading statements by bank staff/manager, no one has taken any action or made a complaint with the higher authorities and sit silently at home. Do you guys think that higher officials will see in dreams, what is happening with you in branch office ? What we Indians do as practice, we argue alot on the spot, waste our precious time,give a few abuse to them inside our heart and sit silently at home but we don't complaint against the culprits. Now this is the time to change your behaviour.Know your rights and use your rights.Don't sit at home, if any of the obsessive/misbehaviour, you found from your bankers, make a written complaintMake it a habit to write complaints to the higher authorities.Learn how to and where to complaint for such culprit employees.Take a serious note that once you make a complaint against an employee with the higher authorities, they take action guaranteed. so don't hesitate in a written complaint with higher authorities.Let the higher authorities come to know, what there lower level employees are doing with their costomers.Incase you don't get a reply from higher authorities in a reasonable time, ask the desired information under RTI act and they are bound to give you reply within 30 days.To,the chairman,×××××××× bank,mangalore,Sub- complaint regarding non-finane of two wheeler loansir,i am a coustomer of ur bank,having 3 S/B account in ur bank at mulund brach,,,bearing a/c no. ××606,××808 & ××239,,,,in the name of xyz maheshwari joint with abc kumar, abc maheshwari joint with xyz maheshwari & efg maheshwari joint with xyz maheshwari, respectively.i am also having 5-6 fixed deposites with ur bank at the same branch.i aproach to the bank and met with mr shetty,for buying a motorcycle under finance with u,,,and mr shetty said me to bring a quotation.after obtaining quotation from dealer,,,i went to the branch again and mr shetty said me to contact with branch manager Mr. arora.when i met with mr arora,,,,,and felt surprised" he said that corporation bank is having no policy of financing 2 wheeler loan"now the quoestion is, that wheather mr shetty is unknown about the policy of the bank,or mr arora is speaking lie.u may be surprised to know, that i am not a coustomer of the ICICI bank,,,,but they r ready to provide me 2 wheeler loan.i know,that bank earns revenue from lending of money by way of different loans,and in such a non co-oprative nature of branch manager,,,bank may loose buissiness .THEREFORE, my request is,to please look in to the matter,,,,,if there is no policy of financing 2 wheeler loans ,then please ignore this letter,,,but if there is such policy of financing 2 wheeler loan,,,then ask mr arora(branch manager) of mulund brach,,,that why he said so.thanking u ,yours faithfully,lalit kumarNote - name of the bank and name of the account holders and numbers has been changed for security reasons.You may contact me personally, incase you need any further help.

Mr. George Goldman, Jan 15 2017, has very aptly explained the outline procedure. It is evident that Mr. George Goldman is an expert. You may do well to follow to these knowledgeable comments. With his permission, I wish to add just a tiny bit more.SDS (Student Direct Stream) Rules. Effective June 2018, in four countries i.e. India, Philippines, China, and Vietnam Canadian Govt has replaced erstwhile SPP Rules for grant of Study Permit with new SDS Rules to deal expeditiously (45 days as compared to about 60 days earlier) First, you ought to understand that there is no special application format for an application for Study permit under currently valid SDS or the General Category applicants.You put in your application online through IRCC website or paper submission at VFS offices for Canada, and, if your application meets the criteria for SDS stream the Visa granting authority deals with your application under SDS Rules. Else, your application is automatically processed under General Category. To this extent, whether your application is to be considered under either the new SDS Rules or as General Category will be decided on criteria match by the Visa granting authority.Basic Requirements SDS. For An Applicant to be considered under SDS, he must meet following criteria:Valid Academic qualification. As far as feasible, the Course that you apply for higher studies in Canada should be a logical extension of your academic qualification.Medical at least 7 days prior to lodging of application online or in paper form. Obviously so that the medical is available when your application is reviewed.Proof of Financial Support. Upfront one year (2 semesters) tuition fee paid to the education provider for admission in a full-time program in a publicly-funded College or University. Let’s assume your course of proposed study is only one year. You have still to deposit One Year tuition fee (2 semesters) fee upfront. Similarly, if your course of proposed study is two years or for that matter three years, you have still to deposit One Year tuition fee (2 semesters) upfront. You have to attach proof of this upfront one year fee payments.Proof of Acceptance. A valid Unconditional letter of acceptance from the chosen publicly-funded College or University. for admission in a full-time program. This is sometimes referred as Letter of Offer.Proof of Financial Support. A Guaranteed Investment Certificate (GIC) of 10000 CAD (Canadian Dollars) To the best of my knowledge, there are two banks that issue GIC - Scotia Bank & ICICI Canada. Advantage is after obtaining GIC, you DO NOT HAVE TO ATTACH ANY OTHER FINANCIAL DOCUMENTS as proof of financial worthiness.Letter of Explanation. A Statement of Purpose. This is a personalised write up without any laid down format. I consider this to be vital. Be truthful. The thrust should be three fold. First, a small introduction of your family & academic background. Here you will endeavour to prove that you have reasons to fall back to your home country after your studies in Canada. These could be need to manage properties, look after aged members, ethical reasons to do good for your roots, ample opportunities available in your home country after international standard studies & experience in Canada coupled with your base qualifications. Second, highlight the fact that your proposed study program is a logical extension of your basic qualifications & your desire to specialise in a chosen field based on your cherished desire, inclination and the trend in your home country. Third, a short conclusion stating that you have met all the criteria laid down for for Student Direct Entry (SDS) & as susuch a request that you may kindly be considered in this stream.A valid Passport. Remember, the expiry date of your granted Study Visa will be determined your date of culmination of proposed study program or the expiry date of your Passport, whichever is earlier. At the cost of trying your patience, here is an example. Assume that your proposed study program ends 30 June 2021, but your passport expires o 01 January 2021. In this case in point, you will be granted Study Permit only expiring on 01 January 2021. In this case, as a first step while pursuing your studies in Canada, on line or through authorised private agency, you will have to apply to your Embassy / High Commission in Canada for issuance of a new passport (Along with your new Passport, you will be permitted to retain your old Passport also, as it contains vital Study Permit & travel details) Indian Passport Laws permit a bonafide student to apply for a new Passport anywhere within 3 years of its given expiry date. Issuance of New Passport may take up to 30 days. In the given example, second step for you will be to apply on line or through authorised private agency to the Canadian Immi in Canada extension of your Study Permit up to the date of culmination of your proposed study program.This may take about 5 - 6 weeks. Both these steps are permissible. But, all this tension and effort can be avoided simply by ensuring, if possible, that your Passport expiry date is well beyond the end date of your proposed study program.Check provincial guidelines. These would vary in certain cases e.g. for Quebec.Other Documents As Listed by Canadian Immi. Required to be attached with an application for Study Permit. For example, but not limited to, additional Proof of Identity, Photographs, additional Proof of Birth, if required, scholarship if applicable, any other relevant correspondence with education provider etc.