WE APPLIED MORATORIUM FOR 5 MONTHS DURING COVID TIMES ON 3.4 CRORE LAP(15 YEAR TENURE) NO CHANGE IN EMI BUT PRINCIPAL AMOUNT INCRESED BY 14 LAKH APROX. NOW WE APPLIED FOR FORECLOSURES OF LOAN. SHOULD BANK CHARGE 14 LAKH COMPLETE .? OR IS THERE ANY GUIDELINES TO DEAL SUCH .??