Your go-to resource for financial wellbeing

Debt Management

HDFC EMI moratorium was a temporary pause on loan and credit card EMI payments, offered under RBI's COVID-19 relief package. It ended on 31 August 2020, and HDFC isn't accepting new requests. If you're searching this today because your EMIs are getting hard to manage, the real options now are restructuring, consolidation, or settlement, not a moratorium.

By Mohit Juneja | 22 July 2026

Debt Management

The SBI loan restructuring portal was an online facility SBI launched in 2020, letting retail borrowers check eligibility for a one-time COVID-19 restructuring scheme under RBI's framework. That specific scheme's application window closed on 24 December 2020. If you're looking for EMI relief from SBI today, the current route is a case by case request through your branch or relationship manager, not that original portal.

By Mohit Juneja | 22 July 2026

Debt Management

HDFC bank loan restructuring is a formal agreement in which HDFC Bank modifies the terms of your existing loan. The bank may reduce your EMI, extend your repayment tenure, or grant a temporary payment pause when you're genuinely unable to meet your current obligations. The account stays "Standard," not defaulted, but is reported to credit bureaus as "Restructured," which affects future credit eligibility.

By Mohit Juneja | 22 July 2026