Jammu & Kashmir Bank / J&k Bank — Cash credit 20%

Address:

Doda City j&k

To the executive president
Jammu and kashmir bank

Sir with due respect i wish to say that i have a cc limit of 15 lakhs in your bank in doda main branch under name masood and brothers hardware store acc.. Cc 1417... Due to lockdown i was not able to pay interest for 1 or 2 months. Now as the situation is getting better i am trying to get back to business.
As per government drirective i went to ask for 20 % hike but the bank refused. Please help me out from turning into a bad loan or an npa account. Kindly do the rightfull so that i can stand again.