Hi everyone,
I’m applying for a Japan student visa (COE) for the October 2026 intake and had a question regarding financial proof.
I need to show around ₹1200000 as proof of funds. My mother is my sponsor — she’s a government teacher earning about ₹80,000/month, and her last ITR(Income Tax Return) shows ~₹1100000 annual income.
The issue is that we don’t currently have ₹1200000 lakhs in a savings account. Most of our funds are invested:
- Post Office Recurring Deposit(RD): ~₹800000 (already matured, can withdraw anytime)
- Post Office Monthly Income Scheme (MIS): ~₹400000 (not yet matured)
- LIC single premium policy: ₹500000
- Current savings account bank balance: ~₹60,000
My application date is June 13, and I need to submit the last 3 months of bank statements.
My concern:
If I withdraw money from RD/MIS and deposit it into my mother’s bank account now, it will show as recent large deposits in the bank statement.
Will this create a problem during COE evaluation?
Also:
- Is it better to keep funds in their current form and submit certificates instead?
- Or should I liquidate and show everything in the bank account?
Would really appreciate advice from anyone who has gone through a similar situation.
Thanks!