As of April 01, all applications for EC from India on basis of HSMP have to meet the new Tier 1 rules, which includes the maintenance fund requirement. Though this condition has been waived of (to an extent), until 29-Jun, for people applying for leave to remain from within UK, the waiver is not applicable to people applying from India.
If your HSMP approval was granted in November it has probably expired by now, so making a fresh EC application is not a possibility for you. Since you can file an administrative review only within 28 days of receipt of the decision to refuse your entry clearance application, please do so at the earliest if you can and want to.
You might want to keep an eye on the following, or better still, send a PM to the OPs
http://www.immigrationboards.com/viewto ... ht=#170343
http://www.immigrationboards.com/viewto ... ht=#169695
The review forms are available here (scroll to the bottom of the page):
http://www.vfs-uk-in.com/pbsguidance.aspx
regards
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