Over draft against fixed deposit

Hello Everyone,

I have a question.

1.can an overdraft against fixed deposit can be taken if FD is paying quarterly interest.(I think we can but for surety)

I know that 1 % extra in PSU and 2 % extra in private banks charged then FD interest.

2. can someone help me with an excel sheet. what will be the calculation if I reverse the quarterly interest to my OD for few years and after 9 years I pay the remaining amount with interest. for example how i am paying to the contractor and reversing the quarterly interest to my OD account.

In booking 9% of 7200000

after 2 month 16% of 72lac

after 8month 25% of 72lac

after 16month 25% of 72lac

after 24month 20of 72lac

after 26 month 5% of 72lac

however i am paying 1lac which is getting from the fd every quarterly in between with no monthly emi.

can someone please let me know what will be the calculation.

as i want to save my 80lac in capital.

thanks in advance