Homecredit — Moratorium interest payment

I have issue with the moratorium interest payment which EMIs have been added in my personal loan [protected].
I had a personal loan for 45months but in lockdown I used moratorium payment scheme as I was job less and that is the reason I wasn't able to make the payment for three consecutive months. But now I see that i need to pay additional 22months of EMIs which is not possible for me. Am ready to pay the three months emi which I missed. Please help!!!