Hi @himanshub16,
Welcome to the Niyo Community! 
We’re excited to share that the feature to adjust your credit limit by withdrawing partial FDs is being rolled out to a select group of users and will be available to everyone in the coming weeks. 
Right now, the app doesn’t have the option to reduce your credit limit once it’s been increased. But you can definitely pay off your outstanding bill to keep your balance in check.
Feel free to reach out if you have any more questions or need further assistance.
Hope this helps! 
