However, HDFC Bank said it would be granting a moratorium of three months on loan repayments to eligible borrowers to comply with the Reserve Bank of India's (RBI) guidelines notified on March 27. "The bank holds provisions as on March 31, 2020, against the potential impact of Covid-19 based on the information available at this point in time and the same are in excess of the RBI prescribed norms. As a result, GNPA and NNPA ratios were lower by 10 bps and 6 bps, respectively," HDFC Bank said in its earnings release.