got interview regarding bank statement plz help?

[lovepreet]

But lovepreet the thing is that i have written that the primary source of funds is from my parents......IS it be a problem??almost 6 lakh rs came into my account by closing fd which is actually not in my fathers nam( fd were actually in my grand mothers name).but i dont have any proof for it as it is already closed....will the bank give me a copy of the fd to show as proof??

Your primary source should/supposed to be your parents so thats not a problem. Grandmother is a part of family (i.e blood relation) so I think she can help her son and grandson and embassy should not have any problem. You have to Check with your bank if they can give you a copy of the fd or a letter stating the FD were closed and all. ALSO, GET A LETTER FROM YOUR GRANDMOTHER (I have told you this thing before have i not ? so read what i said earlier,I wont repeat)

tha actual interview letter states the followin

"your father's (or supporting person) bank statements for the last 6 months;evidence of the origin of funds used to pay for your tuition and of the funds used to secure your loan and relationship with guarantor"



I have got my fathers 6 months statement of state bank of travancore (SBT)with me.

Actually what I did was that ,i transferred rs 10 lakhs from my fathrs acoount in SBT and then had put it as fixed deposit of 5 lakhs in my name as well as 5 lakhs in my Dads name in Indian bank from where i got education loan sanctioned for an amount of 9 lakhs against this fd.I had paid my first year tuition fees of 12984 CAD(586000 INR) from the loan(bank gave 5 lakhs from loan and I paid the rest of tuition)(85:15% margin)From Jan 2010 onward my fathers account had almost one lakh fifty thousand as credit.In the month of July 600000 rs was tranferred into my fathres account by closing 6fds which was in the name of my grand mother.so total it became 7 50000rs.then 3 lakhs was credited into the account from my maternal aunts account.so total it became 10 lakh fifty thousand.this is the money i transferred to the Indian bankand put as fd.

Can any one give a good solution which i can show during my interview.?

Did you get the FD's done partly (5 lac) on your name and partly on your fathers name and then took the loan against those combined fd's (10 lac) ? if yes, get a statement of the a/c you transferred the money from (SBT) to show where the funds for FD came from.

About FD's money (grandmother) - your grandmother's account statement or FD's copy or a letter from bank and a letter from grand mother***


About money (paternal aunt) - A/c statement and a letter from her***

***you would have known all this If you had carefully read my last reply to you when i explained all this to you :-\- Now whats the use of me helping you buddy if you do not read what I tell you ***

 

[sandyboy1210]

Dear friend i have read it.So should i take a letter like a notary affidavit from my grandmother or just a letter.my bank manager was on leave.so I ll ask him tomorrow.the money which we put as fd was transferred from the same fathers SBT account to Indian bank account.we have made my aunts account as joint account with my mother .so my moms name also is included in that account.So can I say that the money was transferred from my moms joint account with her sister.but the money reached the account all of a sudden (almost 3,50000rs ) in the account and transferred it to my fathers Sbt account later on.

 

[lovepreet]

Dear friend i have read it.So should i take a letter like a notary affidavit from my grandmother or just a letter.(A normal letter on the normal paper would do. just get it signed from her and do mention her adress and phone number) my bank manager was on leave.so I ll ask him tomorrow.the money which we put as fd was transferred from the same fathers SBT account to Indian bank account.we have made my aunts account as joint account with my mother .so my moms name also is included in that account.So can I say that the money was transferred from my moms joint account with her sister.but the money reached the account all of a sudden (almost 3,50000rs ) in the account and transferred it to my fathers Sbt account later on. (as long as you have the statement of your mom's and your aunt's joint account with their names mentioned on it would be fine and abt sudden money transfer - do u think u can do anything ? huh...guess NO u cant)

 

[charninder]

For 'sudden transfer' tell them when we needed the money we got transferred. That's it.

My opinion.

 

[ramanbrar83]

hi friend
my interview was on 28th and luckily i hav got visa.

 

[hot_andy4u2002]

hey raman dats gr8 news....but wat all did they ask bout ur funds????

wat all documents did u show them????
coz im in the same situation as u were in....we borrowed 12 lacs rupees from my mother's friend n made an FD out of that n then took bank loan of 10 lacs....

plz let me know even im very tensed???wat all did they ask u in the interview????

 

[sandyboy1210]

hey Raman congrags...can you mention the things which you took for the interview?whst sll did they ask for interview?

 

[hot_andy4u2002]

hey raman v r waiting of reply dude.....
plz post ur interview questions so that u can help other ppl.....

 

[hot_andy4u2002]

hey friends i collected my passport yesterday which i submitted on 2nd august....they hav asked me to come for interview n show the proof of funds that i paid my tution fees and loan from...

i am in the same situation as raman was a few days ago and forutnately he got his visa....so plz advise....
raman plz post ur interview questions asap...

 

[ramanbrar83]

hi sandy
if you have account tranfers then there is no need to worry.your grandmother and sister are your close relatives so not a big issue you can show them bank statements but carry wid u their source of income.
and convince of course wid proof that your father have sufficient income and your financial position is good.no need towoory
gud luck

 

[hot_andy4u2002]

hi sandy
if you have account tranfers then there is no need to worry.your grandmother and sister are your close relatives so not a big issue you can show them bank statements but carry wid u their source of income.
and convince of course wid proof that your father have sufficient income and your financial position is good.no need towoory
gud luck

hey raman even im in the same situation...my interview is on 17th aug....
we borrowed money from our family friend for 12 lacs n made an FD then took loan for 10 lacs....

cud u plz tell me wat all documents u took n wat questions did visa officer ask in the interview....
plzz reply soonnn.............

 

[sandyboy1210]

hey guys i got my visa....they didnt ask me anything about my source of funds,or even looked at it.she looked only my degree's mark sheets and certs.

asked me why you want to study this program?

i told the scope of job here in india of the particular program ,as well as the importance of an international education.

Thats it

asked me to collect the passport at the gate and visa was stamped.....

Guys thanks for ur prayers

Best of luck

 

[hot_andy4u2002]

hey guys i got my visa....they didnt ask me anything about my source of funds,or even looked at it.she looked only my degree's mark sheets and certs.

asked me why you want to study this program?

i told the scope of job here in india of the particular program ,as well as the importance of an international education.

Thats it

asked me to collect the passport at the gate and visa was stamped.....

Guys thanks for ur prayers

Best of luck

congrats sandyboy....where was ur interview???delhi or chandigarh?????

so apart from ur certificates n degree, did they ask u to show nething else?Huh
n did they ask bout ur parents savings(liquid assets) or ne other question....


plz let me know,my interview is on 17 aug as well....

 

[hot_andy4u2002]

hey guys i too got my visa today.....

they did not ask about the source of FD...they juss asked for the FD certificate n all the other original documents....

thanks for all ur wishes my friends....hopefully u all will also get visa