Proof of funds qeustion

[Asivad Anac]

First of all, what should we include for settlements funds? i.e. Bank certificates or 6 months bank statements? Does SBI/Yes bank provides these kind of certificates?

Bank letter mentioning 6 months average balance OR 6 month statements.

Then, there are multiple suggestions on whether we can use spouse bank statements along with primary applicant or not. Me and my spouse have 50:50 ratio of funds in our individual accounts. Some have suggested that we can use whereas some have suggested not to use as only primary applicant POF are accepted. Just wanted to know if any one has used spouse statements and those worked?

Apparently it works, some members reported success with that.

Secondly, Pls suggest for joint account statements, is it Ok to have spouse as Primary account holder and me as secondary account holder? Will it make any difference to IRCC?

No difference.

I also wanted to know whether can I add myself as Joint account holder to my spouse account which is with her before marriage. This means last name would be different for both of us. More, Address would show as her address before marriage. Would that be OK? I believe, last name and address difference can be proved through marriage certificate. Pls suggest.

Does the bank allow that? If yes, proceed.

On extension to above point, would that be OK if we transfer all of her money to new joint account? Do we need any affidavit/LOE to prove that amount has been transferred from old account to new joint one? Should we enclose statements from both the accounts in this case?

That could be challenged by IRCC especially if you submit your post ITA application within 6 months of making such transfer. You'd have to highlight that you moved your monies around.

Last point I wanted to clarify is, whether EPF and PPF would be considered as POF? In some of the threads I have read it would be accepted in case of Delhi VO. Is anyone used and it got accepted?

Check with Stanlee or rajkamalmohanram, apparently those can work as well.

Appreciate expert advise...

 

[Drmomina]

Hi all the seniors and experts i need an advice on proof of funds. I got ita on 22nd feb and i had 17000 cad for more than six months but we are a family of three so we needed 22,603 cad so my husband deposited around 15000 cad on 2nd feb 2017 into my account which he received from his company as extra allowances bonus etc he has a document to proof that
Now my question is should i go ahead with this bank statement? Which is good for three months and apply by may 7 th my statement will be three months old or should i decline invitation and wait for another ita
All suggestions will be highly appreciated and please respond to my query soon since i have to apply maximum by may
Thanks in advamce

 

[aashmeen kaur]

My concern - Do I also need to provide my parents bank statement,, the one who gave me this gift deed. Please advise me