An applicant going non-SDS (to avoid SDS's longer queue at the time) had paid two terms' fees and the GIC, but their 17-lakh savings had been deposited only weeks earlier. Members' take on documenting fresh funds:
- The source matters more than the amount. The most-agreed point: showing a large balance is neither good nor bad by itself — what the officer probes is where the money came from. Fresh deposits without an explanation are the risk, not the freshness alone.
- Statement vs balance certificate. Members explained the practical difference: if funds have been maintained for around six months, provide full statements — the history works in your favour. A bank balance certificate (which states only the available balance) was suggested for recently consolidated funds, since it presents the total without the deposit churn.
- Back the money with source documents. The applicant was already attaching two years of ITRs and a CA report (~1 crore net worth) — exactly the kind of evidence that explains where fresh deposits came from. Strong overall financial proof was seen as offsetting the young account.
- Substantial prepayment helps. Two terms of tuition (21K CAD) plus GIC already paid was viewed as materially de-risking the financial assessment.
Caveat from the thread itself: officers can still question unexplained recent deposits, so whichever format you choose, make the paper trail from source to account coherent.