Amid concerns being raised on bank deposits under the draft FRDI Bill, an SBI research report on Thursday said the proposed law is contemplating an increase in deposit insurance coverage from the current Rs 1 lakh. The proposed ‘bail-in’ clause in the draft Financial Resolution and Deposit Insurance (FRDI) Bill, 2017 has raised a lot of concern among depositors who are worried that they may lose their deposits with banks, the SBI Ecowrap report said.