Applying DTW on MFCC frames
Well I think I found a solution to this, mostly by trial and error.

So what I did and its giving quite good results is :
1) If we have M(No. of frames) X N(13;No of MFCC Coefficients) matrix;

ie X=X[1 2 .....N(13) ; 1 2.....M(No of frames) ]

2) Find the DTW of [X(1;1 2 3.....M)] with the DATABASE [REF(1;1 2 3...M)]
   Here we are taking K=1(Not 2...12)
   Similarly find DTW of [X(2;1 2 3...M)]  and DATABASE [REF(1;1 2 3...M)]

3) On generalizing, Find DTW of [X(k(kth MFCC coef); 1 2 3...m)];

4)So at the end we will get : K(13) values ;

5) Find the mean of these 13(K) values and let that be your Reference for      deciding;

*Disclaimer: I am not certain if this is what all the papers imply, I just found it by trial and error and it gives accurate results