Large deposit explainer
Refused for unexplained deposits? Map every large credit to the document officers expect.
Visa officers refuse applications for unexplained lump-sum deposits even when the closing balance looks fine. Reddit threads in 2026 still show the same pattern: mentioning an FD maturity in a cover letter without the FD slip is not enough.
- FD / RD maturity — FD slip + bank letter (cover letter alone is not enough)
- Gift from family — Gift/sponsor letter + donor bank statement + relationship proof
- Bonus / PF — Bonus payslip or PF withdrawal form matching the credit
- Own-account transfer — Sending-account statement for the same dates
We classify each credit and list the evidence to attach. Document money that is genuinely yours — never park borrowed funds.
FAQ
Officers look for funds parking — money borrowed or transferred temporarily to inflate a balance. Each material credit needs a document that proves the money is yours and available.
Next: run the free risk check or read UK unexplained deposits guide.