Rs. 1 crore sanctioned as term loan for dairy project starting with shed and other equipment. 120 cows were to be disbursed. 1st lot 40 cows. It took 1 year to complete the project. Interest repayment charged during moratorium when to start and branch says repayment to start adding interest with EMI of term loan. Bank made NPA under quick moratorium. When project started after 1 year how interest can be served. Please guide.