When applying for an Australia Study Visa, one of the most important requirements is proof of funds — showing that you have enough money to cover tuition fees, living expenses, and travel costs. Many Indian students prefer to use a Post Office Fixed Deposit (FD) as part of their financial documentation.
At Globexa Immigration, we often receive questions from students about whether a Post Office FD is acceptable for an Australia study visa. The good news is — yes, it can be used, provided it’s presented correctly with proper documentation. In this guide, we’ll explain how a Post Office FD can help you strengthen your visa file and meet financial proof requirements.
1. What Is a Post Office Fixed Deposit (FD)?
A Post Office FD is a government-backed savings scheme offered by India Post. It provides a fixed return on investment and is considered one of the safest investment options in India. The funds are deposited for a fixed tenure, typically ranging from 1 to 5 years, and earn interest at a pre-determined rate.
Because the Post Office operates under the Government of India, its FDs are regarded as secure and credible financial instruments — which makes them acceptable to many visa officers as proof of funds when properly documented.
2. Can You Use a Post Office FD for Australia Study Visa?
Yes, you can use a Post Office FD as part of your proof of funds for an Australia study visa — but with certain conditions. The Australian Department of Home Affairs mainly looks for liquid or easily accessible funds.
A Post Office FD is generally considered semi-liquid, meaning it can be broken before maturity. Therefore, it can be used if you provide supporting documents, such as:
Original FD certificate
A letter from the Post Office showing the current value and withdrawal terms
Proof that the FD is in your (or your sponsor’s) name
A supporting affidavit of sponsorship (if applicable)
3. How Much Money Is Required for an Australia Study Visa?
To apply for an Australia Student Visa (Subclass 500), you need to show funds for:
Tuition fees for one academic year
Living expenses: approximately AUD 29,710 per year (as of 2025)
Travel cost: around AUD 2,000
Health insurance (OSHC)
You can show this amount using bank statements, Post Office FDs, education loans, or sponsor’s financial documents.
4. Example: How to Use Post Office FD as Proof of Funds
Let’s say your total required amount is INR 25 lakhs. You can show:
INR 10 lakhs in your bank account (savings or fixed deposit)
INR 10 lakhs as a Post Office FD (with certificate and encashment letter)
INR 5 lakhs as an education loan sanction letter
Make sure all documents clearly show ownership, maturity value, and withdrawal flexibility.
5. Important Tips
Ensure FD Is in the Student’s or Sponsor’s Name – Visa officers may reject third-party FDs.
Get an Official Letter from the Post Office – Mentioning the FD number, maturity date, and encashment option.
Avoid Recently Created FDs – FDs made just before visa filing can raise suspicion; show a genuine savings history.
Combine with Other Proofs – Use FDs along with savings accounts or education loans for stronger financial proof.
Consult a Professional – Always verify documentation requirements with an experienced visa consultant like Globexa Immigration.
6. Why Choose Globexa Immigration?
At Globexa Immigration, we specialize in guiding students through every step of their Australia Study Visa process — from selecting the right course and university to preparing strong financial documents, including Post Office FD proof.
Our experts ensure that your application meets all Department of Home Affairs requirements and stands out for approval.
Final Thoughts
Using a Post Office FD for your Australia Study Visa is a safe and accepted option if presented properly with complete documentation. It reflects your financial stability and genuine intention to study in Australia.
If you’re planning to apply soon and need help with financial documentation or visa filing, reach out to Globexa Immigration — your trusted visa counselor in Panipat and Haryana.
