“Moratorium” does not always mean every possible payment is zero, because some products may require interest servicing or use a specific contractual schedule. But an overdue also cannot be assumed valid merely because a core system generated it. RBI describes an amount as overdue when an amount that is actually due is not paid on its due date. Your job is therefore to establish the correct due date before accepting the overdue.
| What you see | Likely branch | First proof |
|---|---|---|
| EMI started before course/moratorium end | Wrong course duration or repayment schedule | Sanction letter + course proof + lender schedule |
| Interest was supposed to be serviced during study | Possible genuine servicing overdue | Agreement/KFS + ledger |
| Bank corrected app but bureau still shows overdue | Reporting propagation failure | Bank correction + fresh bureau report |
| Bank admits error but asks you to pay to “regularise” | Operational workaround with dispute risk | Written admission + proposed payment treatment |