What can I do if finance company force me to pay loan EMI? If any bank or finance company force you to pay loan emi then you must request them to provide either loan moratorium or loan restructuring. Every bank or finance company or nbfc must have to provide loan moratorium or loan restructuring for upto 2 years as per RBI Resolution Framework 2.0 released on 05-05-2021 . If you are unable to pay loan emi then request your lender to restructure your loan to lower your emi for upto 24 months. Your lender may also grant you moratorium on your loan emi for upto 24 months. If lender grant loan moratorium then you don't have to pay emi for that period (Maximum moratorium period is 24 months as per RBI Resolution Framework 2.0). Your loan emi repayment will start immediately after moratorium period over. We hope you like this. Thanks for your valuable time.