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If the request is withdrawn, declined or does not proceed, personal data will be retained for 90 days and then erased.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.