Proof, not promises

Proof, not promises

Proof, not promises. Check the cause, evidence to keep, exact recovery steps, and escalation. Based on Education Loan EMI After Moratorium.

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Keep disbursement statement, interest certificate or loan ledger, moratorium terms in the sanction letter, repayment schedule issued after moratorium in one folder for this case. Name files with dates and retain original PDFs where possible.

What applies to this exact problem

Keep disbursement statement, interest certificate or loan ledger, moratorium terms in the sanction letter, repayment schedule issued after moratorium in one folder for this case. Name files with dates and retain original PDFs where possible.

Record	Use it to verify	Why keep it
Disbursement statement	Principal actually disbursed in each tranche	Protects the decision if a portal, account screen or verbal explanation changes.
Interest certificate or loan ledger	Interest accrued and whether it was capitalised	Separates a written fact from a sales statement.
Moratorium terms in the sanction letter	Rate applicable when repayment starts and remaining tenure	Creates a dated record another reviewer can verify.
Repayment schedule issued after moratorium	Principal actually disbursed in each tranche	Lets you challenge the exact field, charge, date or obligation.

Check these first

State the exact expected result and the exact result you have now.
Find the official record that owns the result and compare it with your evidence.
Change one thing at a time, then verify the final state before moving on.

Fix it in this order

State the exact expected result and the exact result you have now.
Find the official record that owns the result and compare it with your evidence.
Write down the academic deadline and the exact amount/date that must be paid.
Check sanction conditions, co-borrower requirements, margin contribution, disbursement trigger, and moratorium terms.
Ask the lender for the specific missing condition or calculation in writing.
Send university invoices, admission proof, visa/forex documents, or revised payment instructions in one labelled file.
After each disbursement, reconcile the lender ledger with the university/beneficiary receipt and your own contribution.

Build the proof pack

Sanction letter
Fee demand/invoice and academic deadline
Co-borrower and income documents
Disbursement/forex/payment references

Avoid making the case harder

Waiting until the final university deadline to discover a condition
Assuming moratorium means no interest accrues
Sending different amounts or beneficiary details in separate messages

How you know it is really fixed

The official record and your real-world result agree.
You have enough written evidence to prove the issue is finished if it returns later.

If it is still not fixed

Branch/education-loan desk
Lender grievance officer
RBI CMS for eligible unresolved banking complaints

Need the complete context?

This page solves one branch. The parent guide covers the full decision, edge cases, alternatives, and related checks.

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