Like many Applicants from Kathmandu, Raj believed his bank balance of  NPR 3,350,000 (roughly $25,000)  was an absolute guarantee of his visa approval. To him, the math was simple. The funds he show was over 33 Lakhs in a fixed deposit and he had a clean professional record and a formal invitation from his cousin reciting in Sydney.   But when the notification hit his inbox, it wasn't a grant. It was a refusal.  While Raj was busy counting his Lakhs, the Department didn't car