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Is the moratorium mandatory for all customers?

If a customer avails moratorium, then will it impact credit score?

If a customer has overdue on EMIs before start of moratorium period, will that attract penal charges?

Customer opted to pay the EMI but still his PDC was not presented for deduction on due date. Why did that happen and what to do?

Customer’s repayment mode is Cash but nobody collected it from customer on due date. Why did this happen and what to do?

Can a customer avail moratorium for multiple loans?