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When business evaporated at Gajendra Sharma's eyeglass shop a few kilometres from the Taj Mahal in Agra during the strict COVID-19 lockdown, he was relieved to hear about a pandemic debt moratorium that would give him breathing room on his home loan.

When business evaporated at Gajendra Sharma's eyeglass shop a few kilometres from the Taj Mahal in Agra during the strict COVID-19 lockdown, he was relieved to hear about a pandemic debt moratorium that would give him breathing room on his home loan.