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Here you go: https://chat.whatsapp.com/KKpzq2X7YGn6iDEihm46I8

True, they can demand bank statement after the dates of statement already submitted. I have seen two such queries.

The surrender value of LIC and Mutual funds is considered. My friend just did it before few days. You'll need to get the certificate letter with surrender value from your respective insurance or mutual fund agency.

I may be wrong, so please correct. I have visited almost a dozen consultant, in India as well through Skype in Canada. Almost everyone told that there is no interview process. Is it true? Because this is the first thread that I see regarding interview!