Worked example
Partner visa: a worked example from Punjab with real numbers
Direct answer
Reviewed by UK Visa Desk counselling team, Visa counsellors, Pro Lifeset Overseas Pvt Ltd, Patiala. Licence 849/DC/PTA/PLA/LC-3/2024. Last verified .
In practice
Example: a Jalandhar bride joining her husband in Wolverhampton after an arranged marriage
A file like the ones the desk prepares; the figures are from the datasets and dated.
The situation
Navdeep Kaur, 26, is a fictional applicant from Jalandhar who married Gurpreet, a British citizen and warehouse team leader in Wolverhampton, in an arranged match. The roka was in January 2026, the Anand Karaj at a Phagwara gurdwara in February 2026 with registration under the Anand Marriage Act, and Gurpreet stayed 3 weeks before returning to work. Since then they have spoken on video every day and he has sent ₹15,000 a month. Gurpreet has been with the same employer for 3 years on £2,600 gross a month, and the couple will live in his parents' 4-bedroom house with a property inspection report showing their room. Navdeep passed IELTS Life Skills A1 at a Jalandhar centre and took the TB test at an approved clinic. They apply in September 2026 with the priority settlement service.
| Item | Figure |
|---|---|
| Visa fee | £2,064, about ₹2,73,129 |
| Immigration Health Surcharge, 33 months | £3,105, about ₹4,10,885 |
| Total paid to the Home Office | £5,169, about ₹6,84,014 |
| Sponsor's gross annual salary (6 payslips at £2,600, Category A) | £31,200, about ₹41,28,696 |
| Minimum income requirement | £29,000, about ₹38,37,570 |
| Cash savings that would be needed if his salary were £24,000 | £28,500, about ₹37,71,405, held for 6 months |
| Priority settlement service | £500, about ₹66,165, decision usually within 30 working days |
| Money sent to India since the wedding | ₹15,000 a month for 7 months, ₹1,05,000, on bank records |
| Standard decision time without priority | 12 weeks after biometrics |
Outcome
The visa is granted for 33 months. The 6 payslips and the 6 bank statements cover the same months and each salary credit is visible, the employer letter contains every item Appendix FM-SE asks for, and the relationship evidence continues past the wedding photographs into daily life. The same file would have failed E-ECP.3.1 if the payslips ran February to July but the statements ran March to August. It would have failed E-ECP.2.6 if the evidence had stopped at the wedding, which is the usual weakness in a Punjab arranged-marriage file.
The Home Office charges behind the figures
Exchange rate used
132.33 INR/GBP
The Home Office quarterly rate used when you pay in rupees on gov.uk
Verified 8 October 2026
| Charge | GBP | INR |
|---|---|---|
| Partner (spouse, civil partner, unmarried partner) entry clearance, Appendix FM application fee | £2,064 | ₹2,73,129 |
| Immigration Health Surcharge, 3 years at £1,035 a yearCharged for the full grant length up front; refunded only if the visa is refused. | £3,105 | ₹4,10,885 |
| UK Visa Desk all-in filing price, GST includedPaid to Pro Lifeset Overseas Pvt Ltd. Home Office fees are paid by you on gov.uk. | ₹29,999 | |
| Required Home Office charges plus our filing price | £5,169 | ₹7,14,013 |
Fees from the Home Office table effective 8 April 2026, verified 8 October 2026; converted at 132.33 INR per GBP (8 October 2026). Pass-through charges paid on gov.uk; card and bank margins extra. Optional lines are not in the total.
Related questions
What is the total cost of a UK spouse visa from India in 2026?ShowHide
The Home Office fee is £2,064 plus £3,105 health surcharge for the 33-month visa, so £5,169 before the TB test, the A1 English test, VFS add-ons and any priority fee. Our fee calculator converts the total to rupees at today's rate.
My husband earns less than £29,000. Can we still apply?ShowHide
Yes, if cash savings cover the gap: £16,000 plus 2.5 times the shortfall, held for 6 months in either partner's name. On £24,000 income the shortfall is £5,000, so you need £28,500 in savings. Use the spouse income checker to run your own figures.
Does the £18,600 rule still apply to anyone?ShowHide
Only to people who were already on the partner route before 11 April 2024, when they extend or settle. A first application from India today must meet £29,000. The Migration Advisory Committee suggested £23,000 to £25,000, but the government has not changed the rule.
Tools
Spouse income checker
Salary, savings or a mix: which financial route clears the threshold.
English requirement lookup
The CEFR level for your route and the SELT centres near you.
Fee calculator in rupees
Every Home Office fee and the health surcharge, totalled in rupees at a dated rate.
Processing times tracker
Standard, priority and super priority times for Indian applicants, updated monthly.
Refusal reason decoder
Paste the paragraph from your refusal letter and read what it means.
Related routes
- Punjab licence: 849/DC/PTA/PLA/LC-3/2024valid to 22 July 2029
- CIN: U52291PB2024PTC060508Pro Lifeset Overseas Pvt Ltd
Pro Lifeset Overseas Pvt Ltd, licence 849/DC/PTA/PLA/LC-3/2024. Applicants outside the UK only; applicants in the UK are referred to a regulated adviser.