I given a letter to grant time for six months of emi payment

It seems like you have requested a time extension for making your EMI payments. Granting such an extension is at the discretion of the lender, and it would depend on the terms of your loan agreement and the policies of the lending institution.

If the lender agrees to grant you a six-month extension for your EMI payments, it would be advisable to get this agreement in writing. This written agreement should clearly outline the new payment schedule, any additional interest or charges that may apply, and any other terms and conditions related to the extension.

If you are facing financial difficulties that are impacting your ability to make EMI payments on time, it would be a good idea to proactively communicate with your lender to discuss possible solutions. This could include restructuring the loan, temporarily reducing the EMI amount, or exploring other options that could help you manage your financial obligations.

If you have any further legal questions or need assistance with negotiating the terms of the extension with your lender, feel free to provide more details or ask for specific guidance.