bests:
Please house at what point do you need POF in all od these stages... My guess is AOR. Just got my IELTS and currently sitting on 464 CRS, A lil bothered about the #4m.

You need your POF as soon as your get your AOR. However, you will need to prove that the fund are yours and not borrowed. Since they ask for the prior 6-month statements, they will see if the minimum required funds have been added in on lump sum. You will need to prove the origins of the funds if you are in that situation. You should check this link on how you can prove origin: https://www.justforcanada.com/settlement-funds.html