₹40L Education Loan for UK

Need some advice from anyone who’s been through the UK student visa process.
I have a ₹40L education loan sanctioned, but I’m thinking of disbursing only ₹14–16L initially and taking the rest later when I actually need it.
My consultancy says I should keep around ₹30L for visa purposes, which has confused me.
Will disbursing only ₹14–16L cause any visa issues if the full ₹40L is sanctioned? Do I actually need to show/disburse the whole amount?
Would really appreciate some real-life experiences/advice! 🙏