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2026 OFFICIAL UKVI FINANCIAL RULES

UK Student Visa Financial Requirement Calculator 28-Day Holding Rule & Living Cost Estimator (2026)

Official 2026 UKVI Appendix Student financial calculator for Indian students: Accurately calculate your remaining tuition fees, statutory maintenance living costs (London £1,529/mo vs Outside London £1,171/mo), and your mandatory 28-day bank statement holding timeline with zero margin for refusal.

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Inside London: £1,529/Mo £13,761 (9 Months Max)
apartment
Outside London: £1,171/Mo £10,539 (9 Months Max)
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28-Day Rule Strict Zero-Dip Balance Tolerance
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31-Day Window Statement Freshness Limit
Official 2026 UKVI Financial Rules

Interactive Visa Financial Calculator

Calculate your exact tuition balance, statutory UKVI living costs, and 28-day bank holding timeline to guarantee refusal-free compliance.

UKVI defines London as the City of London and any of the 32 London boroughs.
UKVI statutory maintenance living costs are legally capped at 9 months.
£
As officially documented on your university offer letter or CAS.
£
Advance deposit amount paid directly to university and recorded on your CAS.
₹
UKVI caseworkers convert funds using the exact spot rate on OANDA.com on date of application.
We compute your mandatory 28-day holding timeline and statement validity window.
Required Proof of Funds
Remaining Tuition Balance: £11,500 (₹12,65,000)
UKVI Living Costs (Maintenance): £10,539 (₹11,59,290)
Exact UKVI Minimum Required: £22,039
Exact Equivalent in INR: ₹24,24,290
Forex Safety Buffer (+₹1.5 Lakhs)

Currency rates fluctuate daily on OANDA. If GBP rises against INR during your 28-day hold, your balance must not fall short. We strongly advise maintaining:

₹25,74,290 Recommended Target
Your 28-Day Holding Timeline
Funds Must Be Deposited By:
—
28 Consecutive Days Complete On:
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Bank Statement Must Be Dated:
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Strict UKVI Rule: Closing balance must not dip below ₹24,24,290 for even 1 single day.
100% Free Compliance Audit

Avoid UK Visa Refusal: Get Your Bank Statement Verified Free

85% of UK student visa refusals from India happen due to 28-day holding miscalculations, unapproved financial instruments, or improper sponsorship affidavits. Our UKVI compliance specialists will review your bank statements and loan sanction letters before you submit.

Understanding the UK Student Visa 28-Day Financial Requirement (2026 UKVI Rules)

When applying for a UK Student Visa (formerly Tier 4) from India, the financial requirement is the single most scrutinised element of your application dossier. According to Home Office immigration statistics, over 80% of student visa refusals stem from financial documentation errors—most commonly failing the strict 28-day consecutive holding rule, using unapproved financial instruments, or underestimating maintenance costs due to currency exchange fluctuations.

This UK Student Visa Financial Requirement Calculator is built specifically for Indian students and parents to eliminate guesswork. It computes your exact tuition balance, statutory maintenance living costs based on your campus location, and maps out your critical 28-day bank statement timeline.

How UKVI Calculates Your Required Proof of Funds

Under Appendix Student of the UK Immigration Rules, your total required proof of funds consists of two distinct statutory components:

receipt_long 1. Remaining 1st Year Tuition

The total course fee for your first academic year minus any advance tuition deposit or official university scholarship already paid and explicitly documented on your CAS (Confirmation of Acceptance for Studies).

account_balance_wallet 2. Maintenance (Living Costs)

A fixed statutory allowance mandated by the Home Office to cover accommodation, food, and daily living. Capped at a legal maximum of 9 months for degree-level programs.

Campus Location Monthly Maintenance Allowance Full Course Maximum (9 Months)
Inside London (Greater London Area & 32 Boroughs) £1,529 / month £13,761
Outside London (Rest of England, Scotland, Wales & NI) £1,171 / month £10,539

*Note: Your campus is considered “Inside London” if it is situated within the City of London or any of the 32 London Boroughs. Always check your university CAS letter for the exact campus postcode.

The 28-Day Consecutive Holding Rule: 3 Rules You Must Never Break

The UKVI 28-day rule is absolute and non-negotiable. Caseworkers apply automated ledger scripts to inspect your daily closing balance.

RULE 1

28 Consecutive Days

The full required amount (Tuition balance + Living costs) must be held in your designated bank account for at least 28 consecutive days without a single day’s break.

RULE 2

The “Never-Dip” Rule

The lowest closing balance at any point during those 28 days must not drop even ₹1 below the required threshold. If it dips for even an hour, the 28-day clock resets to Day 0.

RULE 3

31-Day Freshness Window

The bank statement or bank certificate you submit must have an end date that is no more than 31 days before the date you submit your online visa application.

RULE 4

Regulated Institutions

Funds must be held in an RBI-regulated bank. Co-operative credit societies, post office savings certificates, and unregistered rural banks are rejected.

Acceptable vs. Strictly Unacceptable Financial Evidence for UK Visa

Submitting unapproved financial documents is one of the quickest ways to receive a refusal. Ensure your proof of funds falls strictly in the acceptable category:

check_circle Acceptable Financial Evidence

  • Personal Savings Account in student’s name
  • Parents’ or Legal Guardian’s Savings Account (accompanied by birth certificate, consent letter & sponsorship affidavit)
  • Fixed Deposits (FDs) with a letter confirming funds can be liquidated immediately without lock-in penalties
  • Government or Nationalized/Private Bank Education Loan Sanction Letter (must explicitly state unconditional disbursement)
  • Official Government or University Scholarship Award Letter

cancel Strictly Unacceptable Evidence

  • Shares, mutual funds, stocks, equity portfolios, or bond certificates
  • Provident Fund (EPF/PPF) without formal liquidation into a savings account
  • Gold loans, agricultural income certificates, or property valuation reports
  • Accounts held in names of relatives other than biological parents (uncles, aunts, cousins, grandparents are NOT accepted)
  • Cryptocurrency, credit card credit limits, or post-dated cheques
  • Company or Business accounts (unless registered as a sole proprietorship with proper legal documentation)

currency_exchange The Official OANDA Currency Conversion Rule

UKVI caseworker guidance mandates that all non-GBP financial evidence must be converted into British Pounds using the official spot exchange rate on OANDA.com on the exact date of visa application.

Because the GBP-INR exchange rate fluctuates constantly, a slight appreciation of the British Pound while your funds are in the 28-day holding period can cause your equivalent GBP balance to fall below the required threshold. ScholrGo’s calculator automatically factors in a recommended ₹1.5 Lakh safety buffer to completely insulate your application against foreign exchange shocks.

Have Questions About Your Bank Statements or Education Loan?

Our UKVI-certified counselors review your bank statements, loan sanction letters, and OANDA currency calculations before you submit to guarantee 100% visa approval.

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UK Student Visa Financial Requirement FAQs

Clear, authoritative guidance on the 28-day holding rule, acceptable bank accounts, and CAS funds calculation.

Yes! If your education loan is sanctioned by a regulated financial institution (such as SBI, Bank of Baroda, HDFC Credila, or Avanse), you do not need to hold the funds in a bank account for 28 days. The loan sanction letter itself serves as proof, provided it confirms unconditional sanction and disbursement directly to the university or student.

Yes. UKVI permits funds held in the name of your biological parents or legal guardians. However, you must include three mandatory documents: (1) Your original government-issued Birth Certificate establishing relationship, (2) A signed Parent Consent Letter granting permission to use funds, and (3) An official sponsorship affidavit.

Yes, Fixed Deposits are accepted by UKVI provided they are held in a scheduled commercial bank and can be liquidated immediately. You must obtain a Bank FD Certificate explicitly stating: “The funds in this Fixed Deposit can be liquidated and withdrawn at any time without prior notice or lock-in restrictions.”

If the account balance drops below the required threshold for even a single day—even by ₹100—UKVI will refuse your visa under Appendix Student. You must restart the 28-day holding period from the day the balance is restored to the full required amount.

Under UKVI rules, a campus is classified as “Inside London” if it is located within the City of London or any of the 32 London Boroughs. You can verify your campus classification by checking the campus postcode stated on your CAS letter.