I'm doing this process on my own. I need to know that, can i file my visa with the bank's swift copy if i don't have gic certificate in my hand and if i don't want to waste my time. Because, its already high time for applying visa and i have all the docs ready, i was just waiting for my gic certificate and i was expecting it today.The only thing you can do is wait. Firstly in 7 business days ur gic will be refunded and in 5 business days ur next payment will be recieved and confirmed. Keep in your hand at max 15 days(including holidays).
But don't worry it will not affect ur visa application and you have to pay a little extra 50-100 cad but make sure you request ur agent to not convert the currency to inr.
Kindly post your valuable reply.