Overdraft against FD

Hi all,

I hope it is ok to ask this here.

I have several FDs with hdfc bank and they are being used as protection against another account.

Let’s say I have 5 FD with 10 lakh each and I get 45 lakh overdraft against these FDs (90% of FD amount)

I have used all 45 lakh and the overdraft is -45 lakh.

The old FDs were created at 6% interest and I want to break one FD and recreate it with 7.4% available today. I deposit 10 lakh to my overfdraft account and then balance in my overdraft account becomes -35 lakh.

Now I should be able to remove the FD from my overdraft account.

But HDFC is not allowing me to break it with reason

” OD facility can‘t be removed due to insufficient funds. Please contact branch“

I am an NRI and currently don’t have plans to visit India recently.

Does anyone know about it or faced similar situation? Thanks!