Dear Customer,

In these unprecedented times as we join forces across the world to battle the pandemic together, we wish you and your loved ones a safe, secure and healthy time ahead.

We understand your apprehensions and are sensitive about the impact the pandemic is already having on all our lives.

We wish to draw your attention to recent RBI circular, RBI/201920/186 DOR.No.BP.BC.47/21.04.048/2019-20 of March 27, 2020 permitting a three-month moratorium on all loan instalments falling due between March 1, 2020 and May 31, 2020. Appropriately the tenure of the loan will be shifted by three months across the board. If the instalment for the month of March has been paid, then the deferment will be available for month of April and May and the tenor will be shifted by two months.

Please note that , this is only a deferment of the payment. Hence, interest will be accrued at the contractual rate of the loans for the principal amount outstanding prior to Moratorium scheme being availed. The interest accrued during the period will be added to the principal outstanding and recovered over the period of the remaining tenor, leading to an increase in EMI.

Therefore, we would recommend that you avail this moratorium, only if absolutely necessary and cannot be avoided. The moratorium scheme is available only for dues falling between March 1, 2020 to May 31, 2020 (both days included)

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Assuring you of our best services always. 

 Warm Regards 

Aditya Birla Housing Finance Ltd 

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