Punjab National Bank: This is how customers can avail the 3-month moratorium Updated : April 01, 2020 02:05 PM IST Punjab National Bank presented a relief scheme to its customers during this challenging coronavirus crisis regarding the RBI-mandated moratorium. The moratorium allows customers to not suspend EMI repayments and credit card bill payments for a period of three months. Published : April 01, 2020 02:05 PM IST