What if my ITR is less than the required minimum of twelve lakhs in New Zealand?

If your Income Tax Return (ITR) is less than the typical minimum of ₹12 - 15 lakhs for a New Zealand study visa, it may raise concerns about your financial capacity.

You can strengthen your application by providing alternative financial documents, such as:

- Recent bank statements showing sufficient balance and regular income
- Salary slips if you are salaried
- Audited business financials if self-employed
- Education loan sanction letter from a recognized bank
- Sponsorship documents if someone else is funding your studies, along with their financial proof

All documents must be genuine, traceable, and show legally sourced funds. Avoid unexplained large cash deposits. Visa requirements are subject to change.

If you need help organizing your financial documents, connect with your LeapScholar counsellor.