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Tools and Calculators

  • Moratorium Calculator
Current Principal Outstanding

Enter an amount between ₹1,000 to ₹500,00,000 (5 Cr)

To view your current outstanding, please log in to your Loan Account here

1,000 13,49,578 5,00,00,000
Rate of Interest (%)

Enter an interest rate between 5% to 30%

5% p.a. 17% p.a. 30% p.a.
Current EMI

Your EMI should be between ₹1 and your priciple outstanding

1 50,00,000 5,00,00,000
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  • 2
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Balance Calculated Tenure


Revised Balance Calculated Tenure


Additional amount to be paid due to deferment



The above calculation is for illustration purposes only and may defer from actual calculation / statement of account. We will not be responsible for any liabilities, losses, damages arising out of the use or anything done in reliance of the calculator. Interest capitalisation rules for Moratorium 1 & 2 depends on company’s board approved policies. Values are rounded off.

*To opt out of the EMI Moratorium:

All Retail, Housing and Commercial Finance Customers can withdraw from the Moratorium before the 25th day of the month (For June Opt-in (25th June), for July Opt-in (25th July) and for August Opt-in (25th August) by sending an SMS simply by typing the keyword CANCELDEFER <Space> <Last 4 four digits of Loan account number> to 9705966060.

You can only withdraw if you have applied Moratorium for June/July/Aug 2020. Once you opt out of moratorium, you cannot re-apply or withdraw for EMI moratorium for any month. The Opt out/withdrawal will be considered valid ONLY after you have made the EMI payment for that month, else the withdrawal will not be considered. To pay your EMI amount now, please click on the “Quick pay” button.

You can also write a mail with the contract details to the following email addresses:

For Retail For Housing For Commercial

Once revoked, the withdrawal will be considered for all the months opted and customer cannot re-apply for the EMI moratorium.