Free Tool · Financials
How much bank balance
do you need for your visa?
There's no single "official" bank balance requirement — every consulate judges finances differently. This calculator gives you a comfortable target based on your destination, trip length, and applicant profile, drawn from published VFS checklists and recent refusal patterns.
Spouse, children, parents on the same application.
Recommended target
1,50,000
Liquid savings in your account for the last 3-6 months, stable, no unexplained large deposits.
Estimated trip cost
₹55,000
10 days × 1 applicant
Minimum floor
₹1,50,000
Regardless of trip length
Schengen (France, Germany, Italy, Spain, etc.)
Schengen rules vary by member state. France expects ~€120/day, Germany ~€45/day, Italy ~€50/day (lower for hotel-confirmed bookings). Consulates typically want to see the trip cost plus 20-30% buffer in your savings account over the last 3 months.
What counts as bank balance for a visa?
Consulates don't just look at one number — they look at the pattern of your finances over 3-6 months. A single transfer from a relative the day before submitting your application is a red flag. Consistent salary credits and modest, stable savings are green flags.
Helps your application
- Savings account with 3-6 months of statements
- Salary credits from a known employer
- Fixed deposits (FDs) with 6+ months maturity
- ITR for the last 2-3 years
- Stable closing balance above your target
Raises concerns
- Large unexplained transfer just before applying
- Statements showing a zero/low balance then sudden spike
- Cash deposits that don't match declared income
- Credit card statements showing over-limit usage
- Missing ITR or mismatched income declarations
Frequently asked questions
How much bank balance is required for a Schengen visa from India?
There's no single official figure. As a rule of thumb, show at least ₹1,50,000 in savings for a 10-day trip, stable over 3 months, plus proof of ongoing income. France expects ~€120/day, Germany ~€45/day — the calculator above converts this into INR targets.
How much bank balance is required for a UK visa from India?
UKVI doesn't publish a fixed amount. For Standard Visitor visas, successful applicants typically show ₹2-4 lakh in savings held for 6 months, plus steady salary deposits and ITR. Stability matters more than the headline number.
Do I need to show cash or can it be fixed deposits?
Liquid savings account balance is the primary reference. Fixed deposits count as supporting evidence of financial stability, not as the primary balance — consulates want to see money you can actually spend during the trip.
Can my parents sponsor me?
Yes. Students and young travellers often rely on a sponsor (usually a parent). You must include the sponsor's bank statements, ITR, a notarised sponsorship letter, and proof of relationship. The sponsor's finances are assessed against the same targets.
What if my balance is below the recommended target?
Don't inflate it with a last-minute transfer — that's a refusal trigger. Instead, consider: (1) adding a sponsor, (2) postponing the trip by 2-3 months to build balance organically, (3) choosing a lower-threshold destination like UAE, Thailand, or Vietnam, or (4) shortening your trip length.
Ready to apply?
Visank reviews your finances before submission and flags any weak spots. Flat ₹5,500 service fee, full refund if rejected.
Start an applicationFigures above are indicative targets drawn from published VFS checklists and consulate guidance as of March 2026. They are not official requirements. Every application is judged on its full profile, not just bank balance. Visank reviews your full dossier before submission to catch weak points early.