I applied in the express entry and received the ITA. I have a joint account with my mother and she is the prime applicant..and we have sufficient balance in that since 3 months. I also have my personal account but don't have that much fund. Now do I have to transfer the amount is my personal account and make a gift deed. Or a simple gift deed will do. Please suggest the correct method to apply for the pof. I also have a home loan of 7 lakhs from my personal account so do I need to show that and then how much amount do I need to show in all.