Citi Bank — Regarding nrv increase

Address:

411027

Hi, i was having salary a/c in citi bank and after marriage i am dependent and house wife now, however i had a hdfc personal loan which is related with my citi a/c for which i can not close the a/c until the loan payment is over by deduction every month from citi. It may take 1/2 years more. I am trying hard from my household saving and maintained the balance for loan deduction every month. Now i am suddenly shocked by knowing the nrv to be maintained as upto 1 lack, which is difficult in my part as i already having balance for 7 months for emi deduction and trying every month to save some more but maintaining 1 lack atleast means i think i have to take one more loan from other bank to close the current one and close relationship with citi forever.