Mahmud Rahman
Father · Sponsor
Relationship eligibilityVerified · accepted sponsor category
Eligibility outcomePass · continue to income review
Applicants › Nadia Rahman › Assessment
GS-360 assessment
Nadia Rahman
Master of Laboratory Medicine
Assessment at a glance
Select an area to see the evidence and review notes below.
Financial assessment · officer review sequence
Follow the funding story
Each stage answers one question. Open the evidence only when a check needs more detail.
01
Who are the sponsors, and are they eligible?
The selected policy accepts parents and siblings. Relationship evidence is checked before income or funds are assessed.
Eligible · Parent
Farida Rahman
Mother · Sponsor
Relationship eligibilityVerified · accepted sponsor category
Eligibility outcomePass · continue to income review
Raihan Rahman
Brother · Sponsor
Relationship eligibilityVerified · accepted sponsor category
Eligibility outcomePass · continue to income review
Eligibility gate: if a sponsor does not meet the selected policy’s relationship or eligibility rules, stop that sponsor’s assessment and mark later sponsor checks “Not assessed.”
02
What income do they have, and is it stable?
Review each source and the sponsor’s work or income history. Then test combined parent income against the university’s configured annual minimum.
SponsorIncome source and annual amountOccupation / continuity
Mahmud Rahman · FatherTeacher salary · AUD 16,327.61 / yearPermanent public secondary-school teacher · 11 years in post
Farida Rahman · MotherResidential rent · AUD 12,000 / yearProperty owner and landlord since 2019 · recurring 12-month tenancy
Raihan Rahman · BrotherSoftware engineer salary · AUD 28,800 / yearFull-time software engineer · 5 years in role
The source documents that support these income and occupation claims are grouped under each sponsor in Step 04.
03
How is the study being funded?
Show each sponsor’s eligible contribution first, then add the verified loan and compare the total with first-year costs.
Sponsor / sourceEligible contributionShare of sponsor funds
Mahmud Rahman · FatherAUD 17,702 · savings25.8%
Farida Rahman · MotherAUD 26,554 · includes AUD 10,000 NSIC38.8%
Raihan Rahman · BrotherAUD 24,256 · savings35.4%
Sponsor funds · totalAUD 68,512100%
Parent contribution rule · Below policyParents provide AUD 44,256 (64.6% of sponsor funds), against a 70% minimum (AUD 47,958.40). The shortfall is AUD 3,702.40, even though combined eligible funds cover the first year.
First-year funds requiredAUD 67,786Tuition fee: AUD 36,086
Living expenses: AUD 29,700
Travel (once a year): AUD 2,000
Living expenses: AUD 29,700
Travel (once a year): AUD 2,000
Combined eligible fundsAUD 88,512Sponsor funds plus an eligible, disbursed education loan.
Coverage130.6% · 1.31×AUD 20,726 above the first-year requirement.
Education loan · AUD 20,000Student is borrower; father is co-borrower. The loan is included as eligible funds because the sanction terms and disbursement evidence have been verified. Its repayment is assessed separately in Step 05.
04
Do the documents support the income and funding claims?
Income-source evidence and bank-statement checks are shown here once, under the person or account they support.
Mahmud Rahman · Father
Passport and birth certificate · employer service and salary letter · recent payslips · tax record · salary-account credits.
Farida Rahman · Mother
Passport and birth certificate · property title · tenancy agreement · tax record · recurring rental credits · NSIC certificate.
Raihan Rahman · Brother
Passport and birth certificates · employer letter · payslips · tax record · salary-account credits.
Education loan
Sanction letter · executed loan agreement · disbursement advice · repayment schedule. Commitment feeds into Step 05.
Bank statement analysis
Expand an account for its balances and the checks that need officer attention. Download the full account analysis from Excel.
Statement values below are converted and displayed in AUD at 1 AUD = BDT 85.9894 (Bangladesh Bank ask rate, 6 Oct 2026).
Mahmud RahmanReview required⌄
Mahmud Rahman
Opening balanceAUD 8,100.00
Closing balanceAUD 12,410.00
Average balanceAUD 9,967.31
Total credits · 18AUD 21,327.61
Total debits · 14AUD 17,017.61
Review findings
Document alteration check: Clear. Ledger review: one mismatch and two line-item exceptions, AUD 184.30 and AUD 235.70. Source of funds: AUD 4,200 cash deposit dated 18 Aug 2026 has no matching source document.
Mahmud RahmanTransaction pattern to review⌄
Mahmud Rahman
Opening balanceAUD 11,200.00
Closing balanceAUD 18,900.00
Average balanceAUD 15,891.67
Total credits · 25AUD 22,000.00
Total debits · 33AUD 14,300.00
Review finding
Document alteration and ledger checks: Clear. Transaction behaviour: AUD 3,488.80 cheque withdrawal on 14 Apr 2026 followed by an equal cash deposit seven days later. This is a review signal, not proof of fraud.
Farida RahmanSource review required⌄
Farida Rahman
Opening balanceAUD 10,500.00
Closing balanceAUD 18,600.00
Average balanceAUD 16,956.85
Total credits · 16AUD 20,140.54
Total debits · 20AUD 12,040.54
Review finding
Document alteration and ledger checks: Clear. Transaction behaviour: four cash deposits totalling AUD 8,140.54 need separate source-of-funds evidence. Rental income is supported by the ownership, tenancy, tax and recurring-credit records listed above.
Raihan RahmanChecks clear⌄
Raihan Rahman
Opening balanceAUD 21,000.00
Closing balanceAUD 50,200.00
Average balanceAUD 34,983.33
Total credits · 13AUD 33,000.00
Total debits · 20AUD 3,800.00
Checks clear
Document alteration and ledger checks are clear. Twelve salary credits and one annual bonus match the employer and tax records. No unusual cash-deposit or circular-movement pattern was flagged.
Statement analysis findings are evidence-review signals. They can require clarification without, by themselves, establishing document tampering or fraud.
05
Can the family sustain the funding commitment?
Apply the selected policy’s loan rule when a loan is present. Use the formula-document monthly surplus method when there is no loan.
This case · education loan present
PassLoan commitment stress test
Monthly repaymentAUD 755.91
× 12
Annual repaymentsAUD 9,070.92
× 2
Stressed annual commitmentAUD 18,141.84
Verified parent income covers the stressed repayment 1.56×.Pass · the selected policy compares the stressed annual commitment with the verified annual parent income assessed in Step 02.
Show the calculation and the no-loan rule ＋
Loan case: annual repayment commitment = monthly EMI × 12; stressed commitment = annual repayment commitment × 2. Compare that amount with the relevant verified annual sponsor income. This is shown as the selected admissions-policy test, not as a formula published in Home Affairs student-visa guidance. Home Affairs guidance instead requires evidence of loan terms, genuine access/disbursement and capacity to meet ongoing costs.
No-loan case: use the field-mapping formula: verified monthly income minus monthly expense = monthly surplus; surplus ratio = surplus ÷ verified monthly income. Assess income continuity, volatility and concentration, and treat compromised statement integrity or unreliable income as a hard concern. Keep the same shared income window wherever the metric appears.
No-loan case: use the field-mapping formula: verified monthly income minus monthly expense = monthly surplus; surplus ratio = surplus ÷ verified monthly income. Assess income continuity, volatility and concentration, and treat compromised statement integrity or unreliable income as a hard concern. Keep the same shared income window wherever the metric appears.
The university’s annual parent-income threshold remains a separate requirement. A passing loan test does not replace it.
Assessment conclusion
Why is the financial risk High?
The decision reflects the combination of funding policy and unresolved evidence findings.
Income and loan capacity
The university income minimum is met and the loan commitment test passes. Combined eligible funds also cover the first-year requirement.
Income & occupation ↑Loan sustainability ↑Parent funding share
The parents’ share is below the selected policy minimum, despite the overall funds total being sufficient.
Review funding plan ↑Statement review items
One account has reconciliation exceptions and unsupported cash activity; another has a matching withdrawal/deposit pattern; a third has cash deposits requiring source evidence.
Open the relevant accounts ↑Officer recommendationRequest source evidence for the flagged deposits and reconciliation items, plus a revised funding plan with sufficient eligible parent contribution. Record the outcome of those checks before closing the financial assessment.
If the financial risk is Low, what should the recommendation say? ＋
Explain which policy and evidence checks passed, state that no material financial concern remains, and recommend proceeding to the overall Genuine Student assessment. This is a recommendation to continue the assessment, not an automatic admission or visa decision.
Metric guideOpen definitions and decision rules without repeating this case’s figures.＋
Sponsor eligibility ＋
Check identity, relationship evidence and the sponsor categories allowed under the selected university policy. If a sponsor fails this gate, do not continue that sponsor’s income or funds assessment.
Annual income threshold ＋
Compare verified annual income from the policy-defined sponsor group with the university’s configured minimum. Keep this threshold test separate from income continuity, loan servicing and available funds.
Occupation and income stability ＋
Use occupation, employment duration, income source and recurring credited income to judge continuity and plausibility. Support each source with policy-accepted documents.
Sponsor contribution share and eligible funds ＋
Per sponsor: maintained eligible savings + accepted FD/NSIC + eligible disbursed loan + other accepted funds, after ownership, source and exclusion checks. Contribution share = sponsor’s eligible contribution ÷ total sponsor funds. Do not cap eligible funds at the first-year requirement.
Funding coverage ＋
Required first-year funds = first-year tuition fee + annual living expenses + travel once a year. Coverage ratio = combined eligible funds ÷ required first-year funds; coverage percentage = coverage ratio × 100. Surplus = combined eligible funds − required first-year funds. Show these together in the funding-plan step. A coverage ratio of at least 1.00× means the first-year amount is covered; sponsor-policy and evidence checks must also pass.
Income sustainability when a loan is present ＋
Under this selected admissions-policy rule, annualise the repayment (monthly EMI × 12), apply the 2× stress factor and compare the resulting annual commitment with relevant verified annual sponsor income. Do not label this exact multiplier as a Home Affairs formula unless the governing policy expressly says so.
Income sustainability when there is no loan ＋
Use the field-mapping document’s method: monthly surplus = verified monthly income − monthly expense; surplus ratio = monthly surplus ÷ verified monthly income. Also assess continuity, volatility, inflow concentration and statement integrity. Use one defined assessment window across all screens.
Evidence and statement checks ＋
Keep document alteration, ledger reconciliation, source-of-funds review and transaction behaviour as separate findings. A ledger mismatch or unusual movement is not, by itself, proof of document tampering or fraud.
Overall financial risk and recommendation ＋
Explain which checks drove the rating, distinguish passed tests from unresolved concerns and link each concern to its evidence. A Low result should explain why the financial checks are satisfactory and recommend continuing to the overall GS assessment.