A Pakistani refusal is answered with SECP or an FBR NTN, not a higher rupee balance
SECP is for a company, not for every shop
The Securities and Exchange Commission of Pakistan certificate of incorporation is the paper for a company. A sole proprietor usually has no SECP certificate. Do not invent one. For that file the tax number is the document.
The NTN is the tax identity the return sits on
The Federal Board of Revenue National Tax Number, and the returns filed against it, are what show the income was declared. The name on the NTN has to be the name on the account that received the credits. Invoices still have to explain the large deposits. An NTN printout with no return and no invoices is a number, not a source of funds.
The papers, in Urdu
- NTN — نیشنل ٹیکس نمبر. FBR National Tax Number, plus the returns that cover the statement period.
- SECP — کمپنی رجسٹریشن. Certificate of incorporation, and only if a company in that name owns the account.
- Fard — فرد. Punjab land-record extract. Other provinces use their own form. Your name or your spouse’s, not a parent’s.
Visitor visa (from outside Canada) — Pakistan: 78 days
On September 22, 2026, IRCC's processing-time tool showed 78 days for Visitor visa (from outside Canada) when the country is Pakistan. The tool updates weekly. 78 days is an estimate, not a date IRCC owes you. Add the biometrics appointment and the time for the passport to come back.
What Canada charges — Pakistani rupee on September 28, 2026
IRCC charges Canadian dollars. The PKR column is the ExchangeRate-API mid-market rate on September 28, 2026: Rs 195.44 per CAD. A card issuer or a money changer will not use this rate. Confirm the CAD figure on the IRCC fee list.
| Fee | CAD | PKR | Note |
|---|---|---|---|
| Visitor visa, per person | $100 | Rs 19,544 | Single or multiple entry. IRCC does not refund it if the visa is refused. |
| Visitor visa, family of 5 or more | $500 | Rs 97,720 | One fee when you apply together, at the same time and place, and the children qualify as dependants. |
| Biometrics, per person | $85 | Rs 16,612 | Pay it with the application when biometrics are required. Often valid up to 10 years. |
| Biometrics, family of 2 or more | $170 | Rs 33,225 | The maximum for a family applying at the same time. |
A first-time applicant who must give biometrics pays CAD $185, about Rs 36,157, before any visa-application-centre service charge. Trip funds are a different test. The fee is not the funds.
The test does not change by country
Whether you will leave Canada is IRPR section 179. That rule is the same for every passport. Read the letter, change the file before you pay again, and treat a lump and weak ties as their own pages. This page is only the local paper.
- How to read the refusal letter
- What to change before you pay again
- When a lump does not match income
- What weak ties means
Pakistan only. Do not send another country’s registration.
Canada Visitor Visa Refusal Pakistan FAQ
If I am a sole proprietor in Pakistan, do I need an SECP certificate, or the FBR NTN, the returns, and invoices for the large credits?
No. Send the FBR NTN and the returns, plus invoices for the large credits. SECP is the company register.
Will another rupee deposit fix a Pakistani visitor visa refusal, or do the existing credits have to connect to SECP or the FBR NTN and the return?
No. The next file has to connect the existing credits to SECP or the NTN and the return.
Watch the questions, the analysis, and the evidence
Check out this video to learn about answering a number of questions, get free analysis and personalized evidences for your application.
8 major factors Canada visa officer checks
| Officer checks | What they may look at |
|---|---|
Why Canada? Tourism, family visit, event, business, etc.; itinerary; duration; whether the activities make sense | Why Canada? Tourism, family visit, event, business, etc.; itinerary; duration; whether the activities make sense |
Employment, business, property, spouse, children, family responsibilities, studies, other obligations | Employment, business, property, spouse, children, family responsibilities, studies, other obligations |
Job stability, position, salary, length of employment, approved leave, business ownership and activity | Job stability, position, salary, length of employment, approved leave, business ownership and activity |
Bank balances, transaction history, income, savings, source of funds, ability to pay for the trip and return | Bank balances, transaction history, income, savings, source of funds, ability to pay for the trip and return |
Family remaining in the home country versus relatives/family in Canada; overall circumstances | Family remaining in the home country versus relatives/family in Canada; overall circumstances |
Previous international travel, visas, compliance with previous visits, previous Canadian/US/UK/Schengen travel, etc. | Previous international travel, visas, compliance with previous visits, previous Canadian/US/UK/Schengen travel, etc. |
Previous refusals, overstays, unauthorized work/study, removals, previous applications and information provided | Previous refusals, overstays, unauthorized work/study, removals, previous applications and information provided |
Criminality, security, medical/financial inadmissibility, misrepresentation, and whether the information/documents are consistent and credible | Criminality, security, medical/financial inadmissibility, misrepresentation, and whether the information/documents are consistent and credible |
What is ImmigrationDM?
ImmigrationDM makes it easy to respond to a Canada visitor visa refusal.
You can use the Refusal Analysis to read the officer's reasons and see the missing paper. It asks about country, purpose, funds, and home ties, then you paste the letter. You get the concerns in order and the documents that prove each claim.
The free checkers test the money side of the file before you submit. The Source of Funds Checker shows whether the file explains where the money came from. The Trip Cost Checker compares the trip you typed with the balance you typed.
No matter where you are after a Canada visitor visa refusal, ImmigrationDM is here to help you prepare the next file.
Tools to help with a stronger application
Same checkers as the tool pages. They run on what you type.
Source of Funds Checker
Want the full analysis?
This check only looks at the money. Officers also look at ties at home and whether the trip looks temporary.
Get the full analysis →Trip Cost Checker
Want the full analysis?
This only compares the trip with the balance. Officers also look at ties at home, whether the trip looks temporary, and the many other pieces of evidence.
Get the full analysis →Canada immigration laws
The consolidated Act and Regulations on Justice Laws. IRPA 34 to 42 is the on-site grounds page.
- IRPR — Immigration and Refugee Protection Regulations
- IRPR 179 — temporary resident visa
- IRPR 180 — a visa is not entry
- IRPR 180.1 — cancelling a visa
- IRPR 183 — how long the stay lasts
- IRPR 30 — medical examination
- IRPA — Immigration and Refugee Protection Act
- IRPA 11(1) — the examination
- IRPA 20(1)(b) — leave at the end of the stay
- IRPA 22(2) — dual intent
- IRPA 39 — financial inadmissibility
- IRPA 40 — misrepresentation
- IRPA 34 to 42 — inadmissibility grounds
GCMS notes versus officer decision notes
The decision note comes with the refusal letter. GCMS notes are the rest of the file.
GCMS notes vs officer decision notesWhich applications get the note with the letter, from which date, and when you still request the file.Read the guideInadmissible grounds
IRPA sections 34 to 42 are the grounds. A letter that cites IRPR 179(b) is a different test.
Canada inadmissibility groundsSecurity through an inadmissible family member, and why a standard visitor refusal is not that finding.Read the guideOther Canada visitor visa immigration resources
These pages cover the refusal letter, the money, the ties, and the papers that change by country.
How to read the refusal letter
The letter cites IRPR 179(b) when the officer wasn't satisfied you'll leave Canada. Read the factors under that line before you apply again.
Read the guideWhat to change before you pay again
Match each factor on the letter to the document that answers it. Sending the same file again rarely changes the result.
Read the guideYou can reapply. There is no waiting period.
IRCC doesn't set a cooling-off period. The next officer already has the refused file, so the new one has to be different.
Read the guideWhen a lump does not match income
A large closing balance doesn't show where the money came from, whether you can use it, or whether income continues.
Read the guideWhat weak ties means
The officer is saying the file doesn't prove you will go home. This page shows how officers measure ties.
Read the guideThe reasons behind most refusals
Travel history, ties, purpose, and funds are different officer concerns. Each phrase on the letter points at different paper.
Read the guideHow to reapply in 2026
This page covers the 2026 reapplication rules, GCMS notes, and the order of a resubmission.
Read the guideCanada visitor visa from Nigeria
Processing time, fees in naira, and the CAC and FIRS papers a Nigerian business file uses.
Read the guideA graduation visit refused three times
A Nigerian sibling case: the officer note, the source-of-funds gap, and what the next file had to add.
Read the guide
Documents after a refusal, by country
- Documents that answer a India refusal
- Documents that answer a Nigeria refusal
- Documents that answer a Philippines refusal
- Documents that answer a Ghana refusal
- Documents that answer a Bangladesh refusal
- Documents that answer a Cameroon refusal
- Documents that answer a China refusal
- Documents that answer a Kenya refusal
- Documents that answer a Singapore refusal
Related
These are the country’s papers. Your letter is the list.
Paste the refusal. The preview names the line. The ranked analysis maps exhibits to that file.
Get the full analysis →Sources
General information from the regulation and IRCC’s public pages. Not legal advice. Not a prediction of a visa decision.