Yes the very first page was the Balance Letter from the bank showing the savings account balance and the FD balance with start and maturity dates and a column showing that there is no lien on my FD.ohh that might have been the reason he did not consider your fd as pof.
Did you show fd receipts?
My understanding is that, even if the FD is not 6 months old, if we explain the source of the funds (in my case the salary account for which the credits fro the company salary are clearly mentioned, I also explained in LoE) to be legitimate and not borrowed they must be considering it. f
In fact my Savings account also did not have a 6 month average balance but still the closing balance was considered by the officer.
On the refusal letter there was no mention about the FD itself. So not sure if he missed it or whether he deliberately did not consider it.