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How individual borrowers can use RBI’s second loan moratorium offered due to coronavirus SECTIONS Share Synopsis Any default on repayment not only leads to higher cost in terms of interest and penalties but also impacts one’s credit history negatively which reduces future creditworthiness. Moratorium helps such borrowers in keeping their credit history intact even after skipping repayments and restructuring loans for the specified period. Getty Images RBI Loan Moratorium 2021 In view of the difficulties faced by individual borrowers during the second wave of pandemic the RBI has asked lenders to allow a second moratorium. Eligible borrowers who did not use the first loan moratorium offered last year can avail of the second one and those who did avail of the first one can get the moratorium period extended. The RBI governor made this announcement on May 5, 2021 as part of an unscheduled speech to announce measures to tackle the second wave of Covid-1 ....