HDFC Bank — Holding my amount for two months without any intimation

Address: THRISSUR<,KERALA

My Father in law is having a loan in hdfc bank. in this covid period moratorium is been granted for opted customers. As we didn't apply for moratorium, they automatically made our loan account as moratorium for two months. And the cash deposited for us for that moratorium period has been holding by them till the date.That is. for the period of May. They didn't informed us about the moratorium scheme and when i went to the bank today for enquiringly about the pending amount to close the loan. they are informing now that April and may month i m in moratorium period . and i want to pay the interest for that period. as i showed them the receipt of those months amount i paid. the told me they will refund the amount now and i want to pay the interest for those two months.
So i'm asking why they hold my amount in the bank itself for up-to two months..??