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EMI calculation

As of September 2026, no new blanket RBI EMI moratorium has been identified for borrowers. Two COVID-era relief schemes existed, a blanket moratorium from March to August 2020, and a second, narrower round called Resolution Framework 2.0 in May 2021. Both are permanently closed. If you're searching this today, the real options are restructuring, consolidation, or settlement.

By Mohit Juneja | 21 September 2026

Debt Management

IBC provides a framework for insolvency resolution and related proceedings, while SARFAESI allows eligible secured creditors to enforce specified security interests without first obtaining a court order, subject to the Act and applicable rules.

By Mohit Juneja | 18 September 2026

Debt Management

SARFAESI and DRT come together when a borrower wants to challenge a bank's SARFAESI action, like a property auction, by approaching the Debt Recovery Tribunal (DRT), a special government court for loan cases, under the Act's appeal provision.

By Mohit Juneja | 18 September 2026