GIC Certificate is a mandatory document required by IRCC for international students going to Canada from countries such as India under the SDS program. A Student should not rely on employment for their Living Expenses while in Canada, so GIC is introduced by IRCC to ensure that a student has enough funds to maintain their Living expenses while studying in Canada. If you open your GIC account in RBC Bank through Abroad Cube, you will get up to CA$457 extra as interest and get your GIC Certificate within 1 day.