MMoving to Japan

Japan Student Visa (COE) – Showing Funds When Money Is Not in Bank Account

  • May 3, 2026

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!

by Anttarres

5 comments

  1. You better convert lakhs to normal numbers if you want to get an answer. Otherwise people won’t get what you are saying.

  2. I kind of feel like a dummy, I am old and have traveled extensively but had to look up “lakhs “ learn something everyday!

  3. If whatever you’re trying to count as proof of funds can’t be spent *at this very moment* then it likely isn’t going to be liquid enough to count.

  4. Dont know about student visa but when I applied for my first ever working holiday visa the embassy accepted screenshots and proof of my stocks and shares +crypto balances.

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