The Reserve Bank has asked all lending institutions to ensure that the waiver of interest on interest for loans up to ₹2 crore for the six-month moratorium period is implemented by November 5. The lending institutions have been asked to complete the exercise of crediting the amount in the accounts of borrowers by November 5. Housing loans, education loans, credit card dues, auto loans, MSME loans, consumer durable loans and consumption loans are covered under the scheme.