Visa Education Loan Austria

I’m applying for the Austrian Student Residence Permit from India and my primary source of funding is an education loan.

My plan is to show around ₹3 lakh in my personal bank account, which would cover my initial/first couple of months of expenses, along with:
Education loan sanction letter
Loan disbursement letter
Loan agreement/loan documents
Net worth certificate
Employee Provident Fund (EPF) certificate/document
Gold affidavit
Other supporting financial documents

Did you have to show the entire required living-expense amount for 12 months as liquid money in your personal bank account, or was the education loan/disbursement documentation accepted as proof of the remaining funds?

Would ₹3 lakh in my account + the loan sanction/disbursement documents + the additional financial documents above generally be sufficient, or is it safer/necessary to have the full 12-month living-expense amount actually sitting in my account?

I would especially appreciate answers from Indian students who recently got their Austrian Student Residence Permit approved with an education loan as their main funding source.

Please I am really in need of these answers!!