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https://www.gov.uk/government/publicati ... form-vaf4a1) Please advice if we can do this from India itself before going to UK?
You apply from India. I am not sure if your you can enter on your current visa as I am not familiar with the terms and as you have been absent and not working etc.
2) If not then can I enter UK now with my husband and start my process from UK itself? See #1 above
3) Will it be enough time for us to process it till my current visa expires? Processing times in India can be a few weeks to a few months. Search for the timeline thread and have a look.
4) In case my husband has to go before me, and then we need to apply, then how long we need to wait before applying?
He needs to prove 6 months income (payslips and bank statements, accommodation etc.
5) I have Bachelor's degree which is listed under Points Based Calculator of UKBA, so do I need to give english language test?
Should be fine.
6) Does he need to show £18,600 in his account?
He needs to meet the financial requirement yes. It does not mean he has to have this amount in his bank account. It means he must be earning a minimum of £18,600pa to be able to sponsor you
7) If yes, then is this fixed amount excluding expenses or is it like HSMP visa, like a running bank statements?
See #6
What will be the procedure for me to get it as soon as possible.
Have you looked at the form and guidance notes yet??