I purchased GIC and transferred one semester fee from my own savings account, which costs around 10 lac, although that amount was transferred from my elder brother's account to my account.
Rest 17 Lac Cash was also shown by the same elder brother and that too amount was more that one year older, so not shown Fresh funds.
Also, He is my real elder brother.. I don't know, now what happens wrong... the refusal reason is Insufficient funds..