I am also on the same boat, but I still submitted the documents even though my funds are not 3 months old. Many in the forum and even in the google search people strictly say not submit application if the funds are not 3 months old. But I just submitted the application on 30-Nov-2019 even though I do not have DOB certificate and funds not maintained for more than 3 months. I am just trusting the Lord for miracle and praying. Hoping for positive results
. So it is totally up to you to decide on whether to submit the application or not.