UK visit visa refusal

[snickerburnt]

I applied for the standard UK visit visa and provided all necessary documents . But I received a rejection email today (06/02/2024)

You state in your application you are employed earning 82,000 INR monthly
(£781.668 where £1= 104.9038 INR as per www.Oanda.Com on the date of
assessing this application).
• You state in your application you plan on spending £1,500 during your trip the UK
and that nobody else will be contributing towards the cost of your visit. You have
submitted bank statements in support of your application for an account in your name
ending 2985. The closing balance of this account is 66,994.67 INR (£638.629). This
raises concerns as to whether you have access to sufficient funds to spend £1,500
on your visit as stated in your application. I note you have submitted deposit
balances in support of your application, however it is unclear whether you have
immediate access to these funds due to their deposit periods.

In my salary account i have around 630 pounds, and I intend to spend 1500 pounds on my trip which was scheduled in the month of April, I'm employed and I received a monthly salary of 781 pounds. Is this an appropriate reason to reject the visa? I keep transferring money out of my salary account to Mutual Funds/FDs and I was intending to use my mutual funds money for this trip, and hence I added those documents as well to my application.

[meself2]

In my salary account i have around 630 pounds, and I intend to spend 1500 pounds on my trip which was scheduled in the month of April, I'm employed and I received a monthly salary of 781 pounds.

So you plan to spend all your salary for 2 months just in the trip, while not really having any savings that you can get immediately? That's how your case looks in the eyes of UK visa officers and it does look questionable.

[Frontier Mole]

Is there a particular reason for the visit?
Are you travelling alone? This will be a reason for concern based on the answer to the first question.
Are you young and male? If this is concern as the highest percentage of overstayers are young males.
What ties do you have with your home country? This is crucial- what have you shown to demonstrate you have more of an incentive to return?
The fixed deposit account- you have declared it already so the only other thing you should show is the time scale to withdraw?

[AmazonianX]

I applied for the standard UK visit visa and provided all necessary documents . But I received a rejection email today (06/02/2024)

You state in your application you are employed earning 82,000 INR monthly
(£781.668 where £1= 104.9038 INR as per www.Oanda.Com on the date of
assessing this application).
• You state in your application you plan on spending £1,500 during your trip the UK
and that nobody else will be contributing towards the cost of your visit. You have
submitted bank statements in support of your application for an account in your name
ending 2985. The closing balance of this account is 66,994.67 INR (£638.629). This
raises concerns as to whether you have access to sufficient funds to spend £1,500
on your visit as stated in your application. I note you have submitted deposit
balances in support of your application, however it is unclear whether you have
immediate access to these funds due to their deposit periods.

In my salary account i have around 630 pounds, and I intend to spend 1500 pounds on my trip which was scheduled in the month of April, I'm employed and I received a monthly salary of 781 pounds. Is this an appropriate reason to reject the visa? I keep transferring money out of my salary account to Mutual Funds/FDs and I was intending to use my mutual funds money for this trip, and hence I added those documents as well to my application.

Despite numerous means of showing financial ability, cold hard cash is still king.
FD are not readily available for withdrawal as it is tenured. On the other hand those who allow withdrawal or cancellation before tenure expiration charges you for breaking it.
A thought out plan for travel would have indicated you having the funds readily available and not in FD.

Answers to other questions as asked by @Frontier Mole