Kaagazaat

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Moratorium or Instalment Holiday Request

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  1. You and the lender
  2. The relief requested
  3. Privacy

Step 1 of 3

You and the lender

For example: Aarav Sharma

What is the borrower's correspondence address?Needed

For example: ABC Bank Ltd

What branch/loan-processing office address applies?Needed

For example: Kaagazaat

More details — you may leave these

A number somebody can be reached on. Ten digits is the usual Indian form, and a country code in front of it is fine if you want it there.

For example: 98765 43210

An email address somebody actually reads. Notices under a document like this can be sent to it, so a working one matters more than a tidy one.

For example: aarav@example.com

For example: HL-2026-118

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The live draft

The draft, as it stands

This is the whole document, not a sample of it. It is rewritten every time you change an answer.

A long blank line — __________ — stands wherever an answer has not been given. It is left that visible on purpose, so an unfinished document cannot be mistaken for a finished one.

No answer has been given, so every place a detail belongs is standing blank. The shape of the document is worth reading even now.

MORATORIUM OR INSTALMENT HOLIDAY REQUEST

Request date: __________

To __________, __________.

Borrower: __________, __________..

Loan account: __________. Current EMI: __________.

RELIEF REQUESTED

Relief: __________. Period: __________ months starting __________.

HARDSHIP

Reason: __________. Details: __________.

Current monthly income during hardship: __________. Normal expected monthly income: __________. Expected recovery: __________.

ACCOUNT STATUS

Arrears status: __________.. Supporting evidence: __________.

COST / REPAYMENT DISCLOSURE

Borrower position: __________.

Please advise the relief options actually available under your current policy and provide the revised repayment, interest, tenure, fee and credit-reporting consequences before implementing any change.

PERSONAL DATA NOTICE

This notice is given under the Digital Personal Data Protection Act, 2023.

Personal data in this document is collected only to request and administer temporary repayment relief on the stated loan account, communicate about that purpose, verify expressly supplied lending and property information, and retain an evidentiary application record.

The record will be held by __________ and may be shared only with the applicant, co-applicant, lender or housing-finance company, authorised loan-processing agent, employer or income verifier, advocate, valuer, technical professional, insurer, registering authority, Central Registry/CERSAI-related service, or other person directly involved in the stated loan process.

If the request is withdrawn, declined or does not proceed, personal data will be retained for 90 days and then erased. If it proceeds, the record will be retained for the loan process plus 12 months, except where a statutory, regulatory or lender record-retention rule requires a longer named period.

A person named here may withdraw consent for future consent-based processing, request correction or erasure where the purpose has ended, or raise a grievance by writing to __________. The record-holder should acknowledge and respond within 30 days.

Data minimisation: this template does not require a full Aadhaar number, Aadhaar-card copy, passwords, PINs, OTPs or complete bank-login credentials. Only masked account/identity references genuinely required for the loan process should be inserted.

Personal-data instruction: __________.

Record-holder: __________

SIGNATURE

Borrower: __________

The rest stays out of view until every answer is in.

KAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINALKAAGAZAAT — PREVIEW, NOT FINAL

MORATORIUM OR INSTALMENT HOLIDAY REQUEST

Request date: __________

To __________, __________.

Borrower: __________, __________..

Loan account: __________. Current EMI: __________.

RELIEF REQUESTED

Relief: __________. Period: __________ months starting __________.

HARDSHIP

Reason: __________. Details: __________.

Current monthly income during hardship: __________. Normal expected monthly income: __________. Expected recovery: __________.

ACCOUNT STATUS

Arrears status: __________.. Supporting evidence: __________.

COST / REPAYMENT DISCLOSURE

Borrower position: __________.

Please advise the relief options actually available under your current policy and provide the revised repayment, interest, tenure, fee and credit-reporting consequences before implementing any change.

PERSONAL DATA NOTICE

This notice is given under the Digital Personal Data Protection Act, 2023.

Personal data in this document is collected only to request and administer temporary repayment relief on the stated loan account, communicate about that purpose, verify expressly supplied lending and property information, and retain an evidentiary application record.

The record will be held by __________ and may be shared only with the applicant, co-applicant, lender or housing-finance company, authorised loan-processing agent, employer or income verifier, advocate, valuer, technical professional, insurer, registering authority, Central Registry/CERSAI-related service, or other person directly involved in the stated loan process.

If the request is withdrawn, declined or does not proceed, personal data will be retained for 90 days and then erased. If it proceeds, the record will be retained for the loan process plus 12 months, except where a statutory, regulatory or lender record-retention rule requires a longer named period.

A person named here may withdraw consent for future consent-based processing, request correction or erasure where the purpose has ended, or raise a grievance by writing to __________. The record-holder should acknowledge and respond within 30 days.

Data minimisation: this template does not require a full Aadhaar number, Aadhaar-card copy, passwords, PINs, OTPs or complete bank-login credentials. Only masked account/identity references genuinely required for the loan process should be inserted.

Personal-data instruction: __________.

Record-holder: __________

SIGNATURE

Borrower: __________

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