@ PRATIRAJYA,
To your question of showing father as joint holder, "yes". I did that as most of my savings were with my father and myself being the first holder. The only thing you need to ensure that is you would need to provide a notarised authorisation from your father that he has no objection if the funds are withdrawn by you at any point in time.
This is what i did and my GCMS shows "Funds met"