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Anyone with HSMP Approval Letter applying for Tier1 after 1st April
Hi sameer,

Yes personal loan is allowed to show the maintainance funds but you should deposit that loan amount in ur savings a/c and then show the funds for 3 months in ur a/c.

Yes, you should maintain the balance consistently for the last 3 months. how much was ur funds in the intial few days of the first month?

Generally the format of the english proficiency letter depends on the university. Just go to ur university and request for a medium of instruction letter. they will have their own format and that will do for ur visa.

Regards,

Srini
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