Finance Moratoriums on loans is coming down. Macquarie tells you why Updated : June 18, 2020 02:59 PM IST There has been a decline in the total loan book under moratorium from the 25–30 percent reported as of end-May. For HDFC, the retail loan book under moratorium has come down to 7 percent as of June 15 from 21 percent in May. Subscribe to Moneycontrol PRO at just Rs.33/- per month for the first year. Use code SUPERPRO. Limited period offer. Available on Web and Android.