The Gerald Schwartz School of Business Programs: Tuition fees, Ranking, Scholarships, Application Deadlines & Entry Requirements

The Gerald Schwartz School of Business fees for Indian students are shown in Canadian dollar (CAD) and Indian rupee (INR). Postgraduate (PG) and post-baccalaureate tuition ranges from CAD 17,230 (INR 11.86 Lakhs) to CAD 22,100 (INR 15.22 Lakhs) per year. Undergraduate (UG) Bachelor of Business Administration (BBA) tuition is CAD 22,100 (INR 15.22 Lakhs), including BBA Finance.

The school sits within St. Francis Xavier University (StFX), and Antigonish living expenses are led by residence charges. StFX residence costs CAD 6,635 (INR 4.57 Lakhs) to CAD 9,995 (INR 6.88 Lakhs) for the academic year. On-campus housing is the cleanest first-year choice because residence students must buy a meal plan.

• Application fee: CAD 100 (INR 6,886), non-refundable for all StFX applications.
• International confirmation deposit: CAD 2,500 (INR 1.72 Lakhs), credited toward tuition.
• Visa cash fee: CAD 235 (INR 16,182), including study permit and biometrics.

For the Master of Applied Computer Science (MACS) route, a first-year budget is CAD 33,009 (INR 22.73 Lakhs) to CAD 36,940 (INR 25.44 Lakhs) before airfare. The next fee year can change after StFX approval, so rerun totals when the 2027/28 schedule appears. Exchange rate used: 1 Canadian dollar (CAD) = 68.86 Indian rupees (INR), supplied on September 14, 2026.

Admission timing changes the budget first. Review Schwartz School admission deadlines.

The Gerald Schwartz School of Business Tuition Fees by Programme

The Schwartz School fee structure is compact: most business routes use CAD 22,100 (INR 15.22 Lakhs) annually. Information Technology (IT) appears in one post-baccalaureate course name. The PG table is limited to the five verified current routes in the evidence set.

Postgraduate Fees: January 2027 and September 2027

Five PG-level routes are confirmed for the current fee comparison. Tuition is charged annually for these routes.

The full-course tuition column multiplies the current annual fee by duration at unchanged current rates.

• MACS is CAD 4,870 (INR 3.35 Lakhs) lower per year than the post-baccalaureate diploma routes.
• The four post-baccalaureate diplomas share one published annual international rate.
• Co-operative education fees are separate when a student chooses an approved co-op path.
• The January 2027 route leaves less scholarship time than September 2027 entry.

Source: StFX Student Accounts, official programme pages, and cached official college facts.

Schwartz School Undergraduate Fees: September 2027

Five BBA concentrations use the same annual tuition rate. Tuition is charged annually for these UG routes.

The full-course tuition column multiplies the current annual fee by four years at unchanged current rates.

• BBA fee choice is not by concentration, so scholarship outcome changes the budget more.
• A CAD 20,000 (INR 13.77 Lakhs) annual Schwartz National award can almost offset one BBA year.
• The September 2027 scholarship path is stronger than the January 2027 path.
• Residence choice can change first-year cash by CAD 3,360 (INR 2.31 Lakhs).

Source: StFX Student Accounts, official programme pages, and Collegedunia course destinations.

The full list of school course pages is useful after choosing a fee route. Compare Schwartz School course options.

The Gerald Schwartz School of Business Fee Trend by Year

The 2026/27 BBA rate is CAD 22,100 (INR 15.22 Lakhs), and no public archived Schwartz fee series was usable. Use the current official fee year until StFX releases the next schedule.

Source: StFX Student Accounts and cached official college facts.

• The trend section does not invent a percentage without an official archive.
• The current BBA rate also controls the post-baccalaureate diploma comparison.
• MACS uses a lower annual fee of CAD 17,230 (INR 11.86 Lakhs).

Cost of Living in Antigonish for Indian Students

Antigonish first-year living costs start at CAD 13,364 (INR 9.20 Lakhs) for residence, meals, insurance, and laundry. Immigration, Refugees and Citizenship Canada (IRCC) also expects proof of CAD 22,895 (INR 15.77 Lakhs) for living funds outside Quebec.

Source: StFX residence rates and Immigration, Refugees and Citizenship Canada proof-of-funds guidance.

• On-campus housing is useful for January 2027 because the application deadline is close.
• Private rent is not used here because StFX does not publish an official Antigonish rent range.
• The cheapest residence room plus minimum meal plan costs CAD 13,119 (INR 9.03 Lakhs).
• The IRCC amount is a visa funding benchmark, so it should not be added to residence twice.

The January 2027 intake compresses housing decisions because the application deadline is September 20, 2026. A confirmed residence room removes one cost variable before the study permit file.

Total Cost of Studying at The Gerald Schwartz School of Business

The MACS first-year budget ranges from CAD 33,009 (INR 22.73 Lakhs) to CAD 36,940 (INR 25.44 Lakhs). The total cost changes most through residence choice and scholarship awards.

Source: StFX Student Accounts, StFX residence rates, and IRCC fee guidance.

• The living column uses the academic-year residence and meal figures, not the IRCC proof threshold.
• Mandatory fees include student fees, international health plan, study permit, and biometrics.
• The CAD 2,500 (INR 1.72 Lakhs) deposit reduces tuition, so it is not counted again.
• Airfare, winter clothing, laptop, and private lease deposits remain excluded.

A two-year MACS budget at unchanged current rates is about CAD 69,949 (INR 48.17 Lakhs). A INR 50 Lakhs education loan is roughly INR 65,000 to INR 70,000 monthly over 10 years at 10.5%.

The Gerald Schwartz School of Business Scholarships for Indian Students

September 2027 BBA applicants have the strongest scholarship path, with Schwartz awards reaching CAD 80,000 (INR 55.09 Lakhs). January 2027 is mainly an admission cycle, not the best entrance-scholarship cycle.

Source: StFX Scholarships and Master of Applied Computer Science scholarship FAQ.

Major India-side awards are not a January 2027 fix because most 2026/27 cycles are closed. Use them for September 2027 only after the provider reopens the cycle.

Source: Official scholarship-provider pages and StFX scholarship pages.

Scholarship planning should begin with university awards, then external loan scholarships. Compare StFX scholarship routes.

The Gerald Schwartz School of Business Tuition Deposit and Payment Options

StFX uses an international confirmation deposit of CAD 2,500 (INR 1.72 Lakhs), credited toward tuition. The school does not publish separate Schwartz course deposits in the current evidence.

Source: StFX Admissions Checklist and StFX Paying Your Tuition.

Methods of payment:

• Online banking works inside Canada and can take 3 to 5 days.
• GlobalPay for Students, powered by Convera, supports international bank transfers to StFX.
• Debit, cheque, money order, draft, or cash are accepted in person.
• Education-loan disbursement should reach StFX before the payment deadline.
• A forex card or GlobalPay can reduce raw wire-transfer leakage by about 2% to 3%.

Steps to pay the tuition fee for international students:

1. Accept the offer and pay the CAD 2,500 (INR 1.72 Lakhs) deposit.
2. Receive the Letter of Acceptance (LOA), the document used for the study permit.
3. Prepare any Provincial Attestation Letter (PAL) that IRCC or StFX requires.
4. Pay the account balance on the StFX instalment schedule.
5. Keep every payment receipt for the visa and loan file.

Hidden Costs of Studying at The Gerald Schwartz School of Business

January 2027 applicants must budget CAD 2,735 (INR 1.88 Lakhs) before travel for deposit, study permit, and biometrics. The larger visa issue is proof of funds, not only payment fees.

• September 20, 2026 is the January 2027 application deadline, so delayed deposits can compress visa time.
• Study permit processing costs CAD 150 (INR 10,329), and biometrics cost CAD 85 (INR 5,853).
• IRCC proof of living funds is CAD 22,895 (INR 15.77 Lakhs), separate from tuition.
• The international health plan is CAD 1,305 (INR 89,862) in the StFX fee schedule.
• Tenant insurance and laundry add CAD 245 (INR 16,871) to residence living costs.
• Late account payment adds CAD 50 (INR 3,443) in the delayed payment month.

Cash Needed Before Arrival: MACS January 2027

Source: StFX Admissions Checklist, StFX Student Accounts, and IRCC study permit fee guidance.

Budget approximately INR 1.88 Lakhs in non-travel cash payments before arrival. Keep CAD 40,125 (INR 27.63 Lakhs) available as the MACS visa funding proof.

Fee Saving Strategies for Indian Students

The highest-value September 2027 saving is a Schwartz scholarship, worth up to CAD 20,000 (INR 13.77 Lakhs) yearly. January 2027 applicants should focus on residence and payment leakage.

• Choose a double traditional room if suitable; it saves CAD 3,360 (INR 2.31 Lakhs) against the single-suite ceiling.
• Choose the 350-meal plan if it fits your routine; it saves CAD 571 (INR 39,318) against the unlimited plan.
• Use GlobalPay or a forex card for large transfers; 2% to 3% on CAD 14,365 (INR 9.89 Lakhs) is meaningful.
• Check Section 80E interest deduction rules before finalising an Indian education loan.
• Use the Post-Graduation Work Permit (PGWP) rule carefully; eligible two-year programmes can support up to three years.

Canada allows eligible international students to work up to 24 hours weekly during regular academic terms. Scheduled breaks can allow more hours if IRCC conditions are met.

Source: StFX Paying Your Tuition, StFX residence rates, and IRCC work and PGWP guidance.

Is The Gerald Schwartz School of Business Worth the Cost for Indian Students

The school is worth the cost when scholarship probability or PGWP time supports the loan plan. A two-year MACS budget near CAD 69,949 (INR 48.17 Lakhs) needs disciplined EMI planning.

StFX reports Maclean’s 2026 rank of #1 in Canada for national reputation in the primarily undergraduate category. The same StFX page reports 92% first-year satisfaction and 89% recommendation intent.

A INR 50 Lakhs loan costs roughly INR 65,000 to INR 70,000 monthly for 10 years at 10.5%. This equated monthly instalment (EMI) needs PGWP-backed work planning.

Source: StFX homepage and IRCC PGWP guidance.

Ranking context can help when comparing small-campus Canada options. Check StFX ranking context.