Upvote:5
They don’t ask for bank statements only to determine if you can afford the trip (which is irrelevant if someone else pays), but also to assess your ties to your home country, and a layer of cross-verification of the other information you provided.
The goal of the officer reviewing your visa application is to determine that you are more likely to leave the UK at the end of your visa than to stay in the UK.
Positive points are things like a stable job with a good salary (the higher the better), having dependents (spouse, children) and other relatives in your home country, having your own place to live and even better owning it, etc.
Negative points include not having a job or a very low paid job, having family or relatives in the UK which could help or even be a reason for you to stay there, etc.
Just for context: 22000 INR at this time is 210 GBP, which is less than 15% of the minimum monthly wage in the UK for someone working full time. There is thus a strong incentive for you to stay and work in the UK, even if off the books and under the official minimum, so you may have little reason to go back to your country when your visa ends just to get back to your current work.
Now this could be enough if they were convinced you have this job, that it is stable, that you do earn that amount, and that you have more other reasons to return home than to stay in the UK.
Initially you didn’t provide any bank statements, so they couldn’t confirm anything, and this led to a refusal.
Next you submitted documents, but apparently they do not quite match your declarations. Do your statements show 22000 INR being deposited each month? Do the outgoings match your other declarations?
Finally, you have the issue of family. It’s not clear from your question what the situation is? Do you have a spouse and children? Where do they live? Do you have other relatives (parents, siblings, cousins, etc.) who live in the UK?
Remember: by default, a consular officer or a border officer start with the presumption that you want to immigrate and will overstay. It is up to you to convince them you won’t, with factual evidence of your ties to your country giving your more reasons to come back than to overstay.
Upvote:11
You are misinterpreting what they write. They don't have any concerns pertaining to the funding for your trip. They acknowledge the information you provided regarding sponsorship by your employer and the UK sponsor, and express no complaints about this part.
The part where they have concerns is whether your life in India is a) as you describe and b) a sufficient reason for you to return home after your trip. For example, your bank statement should support your claim that your salary is what it is, and it does not. If your financial affairs are not such that you receive a regular salary into your bank account, it tends to be much harder to get a UK visa. Again, this is not about having money, this is about having orderly and transparent financial affairs.
A part probably at least as important as the bank statements is the issue of your dependents. I assume that you mention having some dependents (maybe children? elderly parents? underage siblings?). If these dependents remain in India, they'd be a reason for you to return. They thus want evidence that these people exist, remain in India, and really depend on you (the latter would probably be quite straightforward for children, but needs substantial evidence for everyone else). This dependence would often also show on your account statements, but also other evidence might be appropriate/necessary.