As you can see the Code is designed to buy time to allow a mortgage holder to reach agreement with their lender. It provides a de facto moratorium which continues so long as the mortgage holder is meeting their obligations of the new rescheduled agreement.
This is sustainable only if delivery of banking services, at the minimum, includes the following four products:   A savings-cum-overdraft account    A remittance product for electronic benefits transfer (EBT) and other remittances    A pure savings product, ideally a recurring deposit scheme    Entrepreneurial credit in the form of a kisan credit card (KCC) or a general credit card (GCC)  RBI has been undertaking financial inclusion initiatives in a mission mode through a combination of strategies ranging from provision of new products, relaxation of regulatory guidelines and other supportive measures to achieve sustainable and scalable financial inclusion.