UK visitor visa refusal due to inflated funds

Hello,

I had applied for UK visitor visa 2 weeks back from Bangalore.
Today, I got the documents back with a refusal letter for me and my wife stating , the bank statement show inflated funds.
We had kept some additional funds in the account prior to the visa appointment and had provided declaration letter from the person(family member) who had transferred us the amount. We had also kept the bank statement & ID of the person who had transferred the amount. This amount was just for the safe side for the trip.

Still, I am not sure ; why they refused.
Is there a way I can reapply and what explanation shall I give to the consulate mentioning about this amount .

Thanks ,
Neeraj

I suspect that the Case Worker considered the funds (before the late deposit) insufficient.

Thanks for the reply.
In that case, should I reapply again stating that ; the funds which I had borrowed from my family member is to support the travel.
In fact earlier, I had attached a declaration letter from the person who had transferred the funds too.

Could you please help with your thoughts.

'Borrowed' money won't be considered.

The money borrowed is not only for visa application but for the entire trip.
Cant I state the same and reapply? or does it make the evidence same?

The ECO will be looking for evidence of your financial self-sufficiency and strong ties to your home country, not simply how you will be able to pay for your visit.