WHY Would Anuj Encash the 1 lakh RS FD??

Here I think there's a MAJOR FLAW in the Plot..... WHy would Anuj-Anita encash 1lakh Rs FD..?!

You are right, they are shown in the worst light imaginable. The writer wants to do this by showing that Anuj cannot ask for the money from her in-laws because RS has denied that access by removing the gifts and hence the option of taking the money. Anita wants her toys and she tells Anuj get them even if you have to steal the money. Sexually deprived (and probably very horny) Anuj, in a desperate state to get his phsycial neeeds met will do anything to make his wife happy. Anita doesn't care anymore; her goal is to get her toys.

its worth only 1 lakh!!!!!(I missed that info)

They haven't shown what the actual amount the FD was for.
But it must be more than Rs. 1L, bcos when Mili says that her education expenses all together might cost Rs. 1L, RS was not worried. The way he responded showed that the FD has much more than 1L, he might have thought, "yeah, I can manage Mili's expense and still have money left for my future."
The reaction did not look as if, he is going to give all the money to Mili alone!

OK, thats just my thinking based on today's episode.

Now, I don't know how creatives are going to show the fact later (bcos they are never consistent - remember how they changed abhi & simi's ages by couple of numbers here and there😉)