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Your acceptance would be on an affidavit

This is when you're landing there and the amount you can carry. You can carry as much as you want in any form provided your departure country allows you to. CIC wants unencumbered funds for POF. Stocks are volatile in nature and their value can change frequently hence not accepted. Also, if...

If the amount is in the account for more than 6 months then no source and proof is needed. Any amount credited in last 6 months should be supported by relevant documents.

You would need a gift deed ( that she can do from her end) and proof of transfer and you can visit your local notary to make acceptance of the gift deed. The account from where she is transferring should be in her name.

Thanks

Monthly averages for last 6 months, that would help CIC in figuring out when there was spike in your account ( if any) and if that was due to any loans. A bank letter with all requested details and supporting documents should include proof of your ownership and source of any significant funds...

I wasn't surprised as they have done it with other applicants. Though they choose on random basis (or some other parameter that i am not aware of) but I was prepared for this. Had already informed my employer that he might receive a call, when my BG status was NA.

Thanks! Wish you all the best

they called employer and verified the details shared in reference letter

Thanks. I'll be around and will help to the best of my knowledge

Thanks. Company is in India. They contacted the person who signed the reference letter and called on landline and emailed on his official email address

Yes, also get a no objection declaration from your wife.

EPF is considered in full( including employer contribution and pension). However tax will be levied on it if the fund is less than 5 years old

If your bank letter mentions these loans then use an LOE to explain the nature of these loans. No harm

Thanks a lot. Just mention it in your LOE and also these loans will be mentioned on your bank letter along with the nature of these loans.

No problems with low averages as long as current balance is above the minimum requirement. Any credits in your account within last 6 months should be supported with relevant documents that prove your ownership of the said funds and also provide the source of funds.