Dear Customer,

In these unprecedented times as we join forces across the world to battle the pandemic together, we wish you and your loved ones a safe, secure and healthy time ahead.

We understand your apprehensions and are sensitive about the impact the pandemic is already having on all our lives.

We wish to draw your attention to recent RBI circular, RBI/201920/186 DOR No.BP.BC.47/21.04.048/ 2019-20 of March 27, 2020 permitting a three-month moratorium on all loan instalments falling due between March 1, 2020 and May 31, 2020. However, this advisory does not mandate an interest waiver, only a deferment of the payment. Hence, interest will be accrued at the contractual rate of the loans for the principal amount outstanding prior to moratorium scheme being availed. The interest accrued during the period will be added to the principal outstanding and recovered over the period of the remaining tenor, leading to an increase in EMI. Therefore, we would recommend that you avail this moratorium, only if absolutely necessary and cannot be avoided. Under the  national lockdown, for any self-service need please login at

Assuring you of our best services always.

Warm Regards

Aditya Birla Finance Ltd


  1. Is the Moratorium applicable for all loans?
    ABFL would be extending moratorium to all its customers as per the latest advice by the Reserve bank of India. Only NPA customers will not be extended the benefit of Moratorium.
  2. I don’t want a moratorium on my EMIs? Can I continue to pay every month?
    Yes, you may continue to pay your EMI and T&Cs of your loan will remain the same. If you have received any SMS/email from us for opting for moratorium, kindly ignore it.
  3. I have a NACH registration? Does that mean you will not present my EMI?
    If you have opted for moratorium and have been approved by ABFL, the EMIs will not be presented. Else, it continues are per schedule.
  4. If I don’t opt for moratorium and then default on my payments, will you apply penalty on those EMI amount?
    Yes, T&Cs of your loan continue to remain the same.
  5. After the moratorium, interest calculations remain the same or its different?
    Interest accrued during the period will be added to the principal outstanding and recovered over the period of the remaining tenor. The interest would be calculated on the principal amount outstanding during this moratorium.
  6. I have already defaulted on my last few EMIs, does that mean I will be given relaxation on them as well?
    No, you will have to regularize your payment and will be charged penalty on previous EMIs defaulted. 
  7. Will it be reported in my CIBIL? How would the moratorium appear in my CIBIL report and does it have an impact on my scores?
    No, Moratorium period will not be reported to CIBIL.
  8. Will these moratorium months will be counted in lock in period or not?
    No, they will not be counted in lock in period
  9. Is moratorium applicable to Line of Credit Loans too?
    Yes, Line of Credit loans where interest is payable by the customers; qualify for moratorium.

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