Are we charged penalty if we go into the bank and break any FD linked with Savings Plus account?

By default FDs are automatically created with 1 year duration and linked to Savings Plus account. Are we charged penalty if we withdraw more money from ATM and this FD gets broken (before 1 year)?

Are we charged penalty if we go into the bank and break any FD linked with Savings Plus account? Is tax automatically deducted or we have to pay it ourselves?

Thanks!