Difference between mod balance and available balance?

MOD stands for Multi Option Deposit. - In MOD, the surplus funds lying in the SB account isautomaticallytransferred to a FD a/c (so that the a/c holder earns more rate of interest). Available balance is the fund lying in the a/c holders SB a/c. The total amount in the credit of an a/c holder is the sum of both MOD and available balance. ( ie amount in credit of a/c holder = MOD balance + Available balance)