Re: I don't have enough money in Bank A/c
you should consult the checklist for CHC islamabad on the official website for citizenship and immigration canada which says that you can show proof of funds either as bank letters, or proof of savings history, or fixed or time deposit statements. this logically means if you are submitting fixed deposits, then you are actaully following the checklist and not doing something which is against the checklist. but in practice, every visa office has its own trends. looking at the experience of different members on this forum, looks like CHC Islamabad doesn't much like savings certificate or fixed deposit statements. but you can take your chance if you want to and submit them. if they say they want to see the proof of funds in the form of savings account statement, you always have a choice to encash your savings certificates. ALTERNATIVELY, you can encash your certificates at this time so that you could submit a savings account statement for say around 3 months at the time of submitting your full application. depends on you and how safe you want to play.