Is the 28-day maintenance period mandatory for all bank accounts for visa purposes, and are there any exceptions like HDFC Credila in UK?

Yes, the 28-day maintenance period is mandatory for all bank accounts used to show funds for a UK student visa. The required amount must be held in your account for at least 28 consecutive days before your application, and the bank statement’s closing balance must be no more than 31 days old at the time you apply.

There are no exceptions for education loan providers like HDFC Credila. If you use an education loan, you must provide an official loan letter showing the amount, disbursement date, and that funds are available to you.