I spent the 22nd collecting, finalizing all docs.
I visited the VFS center on 23rdNov after some last minute docs photocopying.
The guy at the application center said 'this is the wrong DD sir, the fees have increased to 56250INR'
ME: "But I have taken the DD on 15Nov, doesnt that make my date-of-application as 15th and 51750INR was a valid fee on the day."
HIM: 'no sir, it wont be accepted'
went to Std Chartered and I asked for cancelling the DD & carrying the cash to vfs, but they said, "sorry sir, we can give u a DD with new amount, but cannot refund it"
ME: "The new amount is 56250INR, right?"
Clerk: "Not sure sir, you should confirm it from their website. The bank is open till 6pm, u can come before 6 if u want the new DD today."
I had some more urgent chores to complete & went home at 5pm, checked the website & back to bank at 545pm and got the new DD of 56250INR.
Waited till late nite for good replies at this post - thanks all
Then I sanely decided that I shud wait till morning for the exchange rate of 23Nov. The guidance says that the account statement may be dated within 1 month of application, but it also says that the exchange rate will be considered as it was on the date of application.
For me, the exchange rate was imp bcoz I had maintained a relatively barely enough balance during the 3 months
In the morning, looking at the exchange rate, it was a bit lower, but surely lower than on 15 Nov.
The bank manager's letter was taken on 16Nov and the exchange rate mentioned was that of 15Nov.
I mentioned it in the cover letter that since the exchange rate on 15 Nov is higher than that on 23 Nov(date of application, ie. DD date); hence the manager's letter of certification of funds hold still hold valid as on 23Nov.
And then I attached printouts of classic-converter output of 15Nov and 23Nov.
I did apply on Wednesday, 24thNov.
Not many people around to apply.
4 business Visa applications, 2 elderly couples visiting their son-in-law on a visitor's visa.
I was the only idiot applying for a Tier1
fingers crossed - waiting for the results now.
Oh yeah, by-the-way, I didnot opt for the sms service or the documents courier service. My friend had received his documents in folded manner. The delivery boy's mistake - he had just carried it everywhere in folded manner
Thanks a lot everybody for helping me and clearing my doubts from time to time.