Pl urgent help....Term Deposit in Bank - RBI Intervention

One of my freinds wants to deposit an amount of Rs15 lakshs in bank for 1 year term deposit ( for an interest rate of 9.75%). she is been advised by bankers that, better to split the amount and deposti to avoid the RBI intervention.

Dear experts, kindly give ur valuable suggetions to get cleared by this doubt as interest amount is the only source of her income and she is completely depending on this amount to survive.