during One Time Loan Restructuring can our Bank applied the current RLLR interest rate. I have no EMI default
It doesn't and that's not what I state. I state that if your account *is not effected** to move your funds to a personal account so that if you are frozen in the coming weeks, your family nds aren't stuck. This advice has helped many to avoid having their balance unavailable while things are sorted out.
but you said without Credit Card