HDFC Bank — Insufficient funds

Seriously do you think people have funds to pay loans? What does moratorium mean when one is literally struggling to bring food on the table. I’m a member of your bank and i have no job hence no funds to pay my loans and credit cards. Instead of moratorium can’t an option be given of grace period until you get a job because i have lost my job and i’m struggling to get one. I was pregnant due to which i had to quit my job because of my standing job. When i started looking out for a backend job literally i was not hired due to my pregnancy to which the company did not tell me directly but it’s quite evident. After my delivery i had to go through lockdown and even worst i couldn’t get myself a job, however since i’m a makeup artist i used to freelance. Now due to the foreseen circumstances i can’t even freelance. I’ve been borrowing funds from relatives and friends just to fulfill my family needs. Hope there is a consideration for such circumstances. I hope to find a solution rather than just increase in my interest rates for non payment. Please allow me some grace period at least until i get a secured job and i assure you to pay my debts faithfully. Thank you.