Hey Anand,
There is no rule that states you cannot use your own funds.just keep in mind that the amount you show should be more that required.I am telling what i have done.If you have been holding these funds for a long time it is still better.
You can get a letter from the bank (on their letterhead)stating that you hold "XYZ" amount of funds since"_______".
That should take care of the financial aspects.
Even when i applied for the visa I used to hear all such stuff.Don't worry these are mere suggestions.
Best of luck for ur visa.