Punjab National Bank Housing Finance [Pnbhfl] — Raise the tenure for 3+ Year for 6 Months Moratorium

I have take a Loan Against Property (LAP) loan from PNBHFL in Jan 2011 of sanctioned loan amount of Rs. 6, 53, 958 for a loan tenure of 10 years @Rs.9500 EMI/Month. I have also taken a 6 Month Moratorium during Covid.

Now on May, 2022, still I have a balance principle amount remaining is of Rs. Rs. 1, 73, 691.40. and the balance payment tenure is more 20 months i.e. it will end on 2023.

During the time when I will complaining about the loan, their customer care officials says that you have taken moratorium that why we have increased the tenure. They have also increased the EMI after the moratorium from Rs.9500 to Rs.9956.