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Kagaznama

Moratorium or Instalment Holiday Request

At a glance

Price
Free
Stamp duty
No stamp duty — not an instrument under s.2(14), Stamp Act, 1899; plain paper.
Registration
Not registrable (s.17, Registration Act, 1908) — no property interest.
Witnesses
Not required; authentication and signatures matter more.

Free

Documents are free. Kits are free during our launch.

Free: up to 5 documents a day.

Guided questions, full draft on screen, download in Word.

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Also called

  • EMI holiday request
  • temporary home loan payment relief
  • loan hardship restructuring request

When you need it

Asks the lender to consider an EMI holiday, reduced payment or other restructuring — not a statutory moratorium; the lender decides under its own policy. States hardship, income, duration, recovery date, arrears/evidence, and the effect on interest/EMI/tenure/credit reporting — distinct from RBI's floating-rate reset options.

Read more

Claims no entitlement to suspend payment.

Whether you can fill this in here

You can fill this in here

You can fill this one in on this site, and read the whole draft on screen before you decide anything about it. It is a carefully drafted template; it is not advice about your own facts.

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See stamp duty, registration and witnesses

What follows is written for Punjab and Chandigarh. It states the position there rather than describing how it varies, so the amounts below are the ones that apply — worth confirming at the sub-registrar’s office, because rates change. If the property is anywhere else in India, none of this is yours.

Stamp duty

No stamp duty — not an instrument under s.2(14), Stamp Act, 1899; plain paper. Other loan/security documents are separately stamped.

Registration

Not registrable (s.17, Registration Act, 1908) — no property interest. The mortgage itself needs a registered, two-witness instrument if ₹100+ (s.59, TPA 1882).

Notarisation

Not required unless the lender asks for it.

Witnesses

Not required; authentication and signatures matter more.

Request Stamp Paper

Sample preview — placeholder answers, not your data

MORATORIUM OR INSTALMENT HOLIDAY REQUEST

Request date: 2 April 2026

To ABC Bank Ltd, Sector 17, Chandigarh.

Borrower: Aarav Sharma, Sector 21, Panchkula. Phone: 98765 43210; email: aarav@example.com. Application/reference: HL-2026-118

Loan account: Home loan ending 1188. Current EMI: ₹78,000 (Rupees Seventy Eight Thousand only).

RELIEF REQUESTED

Relief: Temporary full instalment holiday. Period: 3 months starting 1 April 2026.

HARDSHIP

Reason: Temporary job/income interruption. Details: Employer has placed applicant on unpaid leave for three months..

Current monthly income during hardship: ₹90,000 (Rupees Ninety Thousand only). Normal expected monthly income: ₹2,50,000 (Rupees Two Lakh Fifty Thousand only). Expected recovery: 2 April 2026.

ACCOUNT STATUS

Arrears status: No EMI currently overdue.. Supporting evidence: Employer unpaid-leave letter and three-month cash-flow statement..

COST / REPAYMENT DISCLOSURE

Borrower position: Borrower requests lender to disclose accrued interest and revised repayment before accepting relief.

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 Kagaznama 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 privacy@example.com. 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.

Questions about this document

Does the Moratorium or Instalment Holiday Request need stamp paper or stamp duty in Punjab and Chandigarh?

No stamp duty — not an instrument under s.2(14), Stamp Act, 1899; plain paper.

See the full position on stamp duty, registration and witnesses
Does the Moratorium or Instalment Holiday Request need registration in Punjab and Chandigarh?

Not registrable (s.17, Registration Act, 1908) — no property interest.

See the full position on stamp duty, registration and witnesses
What does the Moratorium or Instalment Holiday Request cost on Kagaznama?

Free.

Documents are free. Kits are free during our launch.

Does the Moratorium or Instalment Holiday Request need witnesses?

Not required; authentication and signatures matter more.

See the full position on stamp duty, registration and witnesses

Often needed with this document

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