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SBI MaxGain meaning

Hello Sir,

 

I have taken SBI Hsg loan of Rs. 18L for 15years this year(2013). 

 

As today, My SBI maxgain OD account states 

Book balance: Rs. -17,72,038.

Availabe balance: Rs. 27,962

and Drawing power : Rs.18L.

 

I wants to widtdraw money from my OD a/c. My difficulties are –

 

1) How much amount Can I withdraw from this OD a/c. If I have done additional payment of Rs. 2L?

 

2) What the limit when my loan taken is Rs.18L.

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