In India’s hilly and flood-prone regions, landslides, floods, and cyclones are no longer once-in-a-decade events — they’re becoming yearly disasters. But amidst the chaos, one thing doesn’t stop:
👉 Your loan EMI.
Whether it’s a home loan, education loan, or personal loan, lenders expect payment — rain or rubble. But what if your home is damaged, your job is disrupted, or your business is shut?
Let’s talk about your real options during a crisis — and how Vizzve Finance can help.
🚨 The Harsh Reality: EMIs Don't Pause for Landslides
Natural disasters bring physical damage — but also financial paralysis:
Salary delayed or stopped due to blocked transport
Small business shut for days or weeks
Documents lost or inaccessible
Internet and mobile banking disrupted
Yet, your EMI auto-debit is still scheduled.
💸 Missed EMIs can hurt your credit score — unless you act fast.
💡 What to Do If You Can’t Pay Your EMI Due to a Natural Disaster
Contact your lender immediately
Ask for a moratorium or deferment option (many offer it for disaster-affected zones).
Check RBI circulars
RBI often allows temporary relief or rescheduling in officially declared disaster zones.
Use your emergency fund
If you’ve saved even 1–2 months of EMIs, this is when it saves your credit score.
Ask about restructuring
Banks may convert short-term dues into longer-term loans at lower interest.
Get documentation
FIR, municipal notice, news clippings — proof strengthens your case for relief.
Vizzve Finance: Relief Beyond Just EMIs
At Vizzve, we prepare you for the financial side of natural disasters. Here’s how we help:
✅ Access instant micro-loans to cover urgent EMIs
✅ Set up emergency funds with smart auto-savings
✅ Track EMI dates, loan balances, and relief programs in one place
✅ Get notifications for disaster-related banking relief in your region
✅ Learn how to write EMI deferral requests that work
💬 "Disasters are unpredictable. Your financial response shouldn’t be. That’s why Vizzve is your back-up plan."
🧭 Final Word: Disasters Can Shake Your World — Not Your Credit Score
Whether it’s a flood, landslide, or cyclone, you can’t always control the event — but you can control your financial readiness. With Vizzve Finance, you’re never left alone to figure it out.
Published on : 7th July
Published by : SMITA
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