No. If you choose to defer your EMI payments by opting for the RBI extended moratorium; then your CIBIL score will not get impacted. However, if you don’t pay your EMIs as per the revised schedule after the moratorium period, your credit bureau record will be impacted. Hence, we advise you to make a note of the revised schedule once you receive the same, and pay your EMIs on time. Please also note that you will need to apply for the moratorium to avail the facility. If you don’t submit a request, we will consider that you are choosing to pay your EMIs as per the original schedule. Any late payment / failure to pay the EMI in such a case will attract bounce / penal charges.