Even those that have offered retail borrowers a blanket moratorium — Bank of Baroda (BoB) and Central Bank of India — have said individuals can, if they wish continue to repay their loans. Kotak Mahindra Bank (KMB) said it may reassess the working capital cycle of an enterprise factoring the Covid-19 impact on the business. It added that in case the working capital arrangement was under a consortium, the reassessment of limits would need to be harmonised with the assessment of the lead lender. SBI has specified that interest shall continue to accrue on the outstanding portion of the term loan during the moratorium period. The bank clarified that borrowers would need to pay an additional amount it term loan repayments are rescheduled. KMB will offer deferment of interest for the months of March-May, 2020. For working-capital and KCC borrowers and who avail the moratorium, "The accumulated interest for this three-month period should be serviced by the borrower immediately after the moratorium period," KMB said on its website.