> It may be applicable on the type of visa you are getting. Have a read
> of the fees booklet 990i. But its generally all around having an IELTS
> report showing the applicant or dependants having less than functional
> English require the second installment.
Yes, according to the 990i, we have to provide IELTS or else need to pay
VAC. We manage to provide IELTS.... & save this BIG sum...

Anyway thanks for the help.....
Nalin