# Partner visa: a worked example from Punjab with real numbers

One Partner visa (spouse, civil partner, unmarried partner) file from Punjab worked through line by line: the applicant, the figures in pounds and rupees, and what the officer decided.

Source: https://ukvisadesk.com/visas/spouse-visa/worked-example · Updated 2026-10-08 · Reviewed by UK Visa Desk counselling team, licence 849/DC/PTA/PLA/LC-3/2024 · UK Visa Desk, a brand of Pro Lifeset Overseas Private Limited, Patiala, India. WhatsApp +91 91155 80911, Mon to Sat, 9:00 AM to 7:00 PM IST.

## The file
Example: a Jalandhar bride joining her husband in Wolverhampton after an arranged marriage

**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
| 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 year | £3,105 | ₹4,10,885 |
| Each dependant: Dependant child applying with the partner, each (optional) | £2,064 | ₹2,73,129 |
| Priority service (optional) (optional) | £500 | ₹66,165 |
| VFS user-pay centre appointment (optional) (optional) | £76.50 | ₹10,123 |
| UK Visa Desk all-in filing price, GST included |  | ₹29,999 |
| Required Home Office charges plus our filing price | £5,169 | ₹7,14,013 |

Fees effective 8 April 2026, verified 2026-10-08; converted at 132.33 INR per GBP (2026-10-08). Pass-through charges paid on gov.uk.

## FAQ
**What is the total cost of a UK spouse visa from India in 2026?**
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?**
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?**
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.

Full guide: https://ukvisadesk.com/visas/spouse-visa.md

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UK Visa Desk is a brand of Pro Lifeset Overseas Private Limited, a visa consultancy licensed by the Government of Punjab, India. We are a private company, not affiliated with the UK Government, and we are not regulated by the UK Immigration Advice Authority. We serve applicants who are in India; applicants already in the UK are referred to a regulated UK adviser. We do not handle work visas. Information here is general, not legal advice, and no visa outcome is guaranteed.
We do not handle UK work visas. Applicants already in the UK are referred to a regulated adviser.