Punjab National Bank Housing Finance [Pnbhfl] — Home loan policy

We have taken a house loan, no HOU/TCR/0517/39045 from PNB Housing Finance Ltd. Due to Corona Pandemic I have lost my job and failed to pay instalment in time. And it is in NPA. Even though we are blessed to get PMAY scheeme and it is allowed but, the bank didn't ready to give to our loan AC.
Now they are really, troubling with their formality, like un necessary sending payment cheque more than one time as agreed in terms as more than 1 time'.
We are really in critical point of life to survive.
We hope we can come better with our hardwork and deyermination.

We are very need your help to came out and to avail sanctioned PMAY fund to our loan AC.
With love,
Thanks
Sivadasan.
Chalakkudy.
Kerala.