DEAR RAI JI, yEs, If you are graduated you can apply. it all depends on points, you can do the self assesment through www.gic.gc.ca website and see how many points do u get, if u get 67 points, hip hip hurrey, go on brother!! DEAR Saphal ji, The average time of approval or any result of the file is 24 to 36 months except for US citezens and or some europian citizens. however some people find themselves very lucky to get their results just after nine months or so on. no the fees is not refundable unless you want to withdraw your file, only in this case your money will be returned. whether your file is approved or rejected your canadian 550 doller is finish. Thank you, wish you real saphalta.