An applicant's 4-month bank statement showed funds dipping below the required proof-of-funds level at points, then recovering — with the closing balance meeting the requirement. They asked whether mid-period fluctuation risks an outright refusal.
- Large unexplained credits need a story in your SOP. A member advised that if money was debited and later re-credited in significantly larger amounts, you should proactively explain that movement in your SOP — unexplained large deposits can raise questions about the fund's legitimacy or source.
- What matters most is the final figure. Another member confirmed the closing balance needs to be above the required amount — the officer's key checkpoint is the ending figure meeting or exceeding the requirement, not that every single day across 4 months stayed above the line.
Takeaway: a temporary dip that fully recovers by the closing balance is not automatically disqualifying based on this thread's consensus, but any large swings (especially big re-credits) should be pre-empted with a short, clear explanation in your SOP rather than left for the officer to guess at.