please clear something for me here. aanbaan, you said in one of your posts that you also submitted savings certificates for your wife.
never said that... it was term deposit certificate for my wife
what's the difference between fixed deposit certificate and savings certificate?
not sure, but i think they should mean the same. In US, saving certificate is the amount of money kept in Saving accountare they the same things? my wife says she has 300000 rupees fixed deposited in an account in karachi. but when i saw her certificates, the heading on the certificates is "Savings Certificate". i'm getting confused here... is this like you fixe deposit an amount in a bank and they give you a certificate that says "Savings Certificate"?
i think that should be fine. am sure CHC-ISB gets a lot of FD statements with the heading Savings certificate. so they would know. But, just to verify, confirm with your wife's bank if the 30,000 is really an FD or it's just savings account... sometimes wife's don't understand these things 
secondly, the visa office instructions say "Fixed or Time deposit statements". can you ask a bank to give you a statement for a Fixed deposit? i mean, if you have a bank statement for a usual account, the bank statement will have a history of withdrawals and deposits. i wonder what kind of history would there be on a bank statement for fixed deposit? because in fixed deposit there isn't any withdrawals and deposits. its fixed for a specific time period and you only get interest.
not sure about banks in pakistan. But, in India there are 2 types of statements that are issued for FDs/TDs. The TD certificate mention account number, date of deposit, rate of interest , maturity date and amount. The TD statement mentions the current accrued balance of the TD account. e.g. 10000 deposited for 2 years @ 10% pa. in the second year, the account statement will show 11000, while th maturity amount is 12100 at the end of 2 years. this is just an example. the actual amount will be much less than 11000 because they accrue less amount in anticipation of early closure of the FD resulting in a fine...
please excuse my ignorance about banking things
