*Higher margins will not be banned if you do not have any F&O deals*
The amount of margin that can be used for F&O trading can be increased:

If you have to open in-the-money options positions four days before expiry (prior week Friday to expiry day),
If you have any open F&O positions that need to be physically settled or any out-of-the-money short options contracts, do it one day before expiry (Wednesday and Thursday of expiry week).
Physical settlement entails giving or receiving real delivery of the underlying stock. As a result, the needed margin rises in tandem with the contract value.