Shriram City — Personal loan EMI

Reapected sir or madam,
I took 5 lakhs personal loan from shriram city union finance in 2019 for 36 months EMI and i started paying my EMI continously, after RBI announced loan moritorium i utilised loan moritorium for 5 months, in that 5 months i never paid my EMI and i started paying continously my EMI after 5months and my EMI ended in APRIL 2022 and Finally they asked me to pay remaining 5 months EMI which i never paid in moritorium period in 2019 and i started paying that amount also in EMI's and now they are asking me to pay extra 10 months EMI.They are threatening us to pay 12 lakhs with interest for 5 Lakhs loan.and also they are saying that my retirement benifits will also effect .i am requesting you to provide us right kind of information to fight against them