I have written before on proof of fund.
It is very important that we consider a lot of issues when we are filing our applications. When filling your application it is not a do or die to have the required physical cash in your accounts. Open market value of your assets (Landed property and buildings) by a qualified Estate surveyor with your Deed of transfer used in purchasing the land can be submitted along with your applications.
Sure, your applications will be approved then b4 your medical you could be requested to submit POF then it becomes easier for you to dispose one of the assets which you had earlier submitted the open market value, and then submit with proof and write a cover note referring to your earlier application when you had outlined the market value of your Asset. You must be very sincere in every information you are filing and write a cover note to always clear their doubt.
If you are buoyant enough to operate a fixed deposit account make sure you include that in your application quoting the account details when filing your application. I don't personally support submitting a fixed deposit which you had never mentioned when filing your initial application. Please explain in details the source of the money you fixed. I strongly advise you do that when filing your application and not few days to your medical or when you are required to provide POF.
I hope that helps.
Thanks
Dauaye.