Thats very sad to hear that.
You can Improve your Case and Don't Forget to Do the Following Steps.
- Add 10 Lacs More to Your Account
- Explain him In You SOP that you Have Paid One Year Fees and Receipt is Attached.
- Explain that How The " 36 Lac " Amount will Be Used i-e
-You will Pay Remaining 6 thousand Fees
-12 Thousand Living Expenses
-6 LAC Travelling Expenses
- Explain that your are Genuine student and you don't need to work
- Explain Your Income Sources
- Add Any tax Information your Have Paid
These Points will Clear your First Reason of Refusal
Now the Second Point of Refusal
- Explain that you have Strong Family Ties in Pakistan
- Show them Any Property that you Have in Pakistan
- Do Not Show them Too many Sources of Income as it Will Confuse Visa Officer
- Clearly tell him that you have the money in your account ready for your Study
I hope this Helps. Try to Put Your Application Online this time