Well if u have done MBA go for MBA again from university,, many people do it,, as u told now ur bank statement if 41 lakhs so its good,, should be four month older,, i recommend 6 months,,for more chances pay at least on year fees in advance,, attach receipt,, big problem home ties,, honestly no one can satisfy VO that he will come back,, but I recommend if u have any property on ur parents name ,, transfer it to ur name,, add valuation certificate,, u can show gold,, but show what u have don't lie,, go for gold valuation,, add good SOP,, and try it,, and BTW who is accompanying u,,