"The Government of India through the Ministry of Labour issued a notification which said that they're willing to use the EPFO fund to pay the Provident Fund of employees and also the Employer contribution for the next 3 months. This gave me an idea to propose a moratorium period of 5 months for not paying any installment but also allow an interest free period. The proposal will seeks to allow the industry to pay the salary for next 6 months, using only 50% of the total funds."