Financial sufficiency and credibility
Large deposits appear shortly before the visa application and are unexplained
Not a statutory bar. It affects whether the officer is satisfied, and better evidence can change that.
What this means
The bank statement shows a substantial jump in balance close to the filing date without documentary explanation.
Why it matters to the officer
IRCC recommends at least six months of account details because transaction history helps the officer understand the applicant’s financial situation. Sudden deposits therefore naturally require context.
What the officer compares
Date, amount, sender, narration, prior balance, source document and whether the money remains genuinely available.
How to strengthen a new application
Trace the deposit to a legitimate source: salary arrears, FD maturity, property sale, business receipt, investment redemption, gift or another lawful source. Provide only the documents needed to prove that trail.
Common mistakes
Calling every deposit “savings”; submitting a gift deed with no evidence the donor had the funds; circular transfers among family accounts.
- Calling every deposit “savings”
- submitting a gift deed with no evidence the donor had the funds
- circular transfers among family accounts
Illustrative exampleA ₹10 lakh FD maturity is different from a ₹10 lakh unexplained cash deposit. The bank history should make that difference visible.
Before you apply again
IRCC now sends the officer’s decision note with most temporary-resident refusals since 29 July 2025, so check what came with your refusal first. The decision note or GCMS notes guide explains the difference, and the decoder explains the codes in them.
Scope noteIRCC does not publish an official ranked list of refusal reasons. This is a research-based classification of the legal grounds and evidence weaknesses that recur in real refusals. A weak itinerary or a new job is not itself a statutory ground — it affects whether the officer is satisfied under IRPR 179(b). This page is general information, not legal advice.
Where this comes from
Drawn from the Government of Canada’s published law and guidance. Check us against these pages:
Questions about this refusal
Not sure this is why you were refused?
Check first whether IRCC sent you the officer’s decision note with the refusal. For the fuller record, we can request your GCMS notes for you, or you can request them yourself, free, subject to what IRCC withholds.
Have us request them for youDo it yourself or let us do it?
