I have to pay SBI bank monthly EMI for next three month ????

there moratorium is on all loans taken by individuals and other borrowers. However, you need to give a specific application to your bank, either online or offline if you want to avoid the hassle of going to branch then you can do online itself. But the emi moratorium is not automatic and is only on request by the borrower. The condition is that you must not have any past dues and your accounts must not have been classified as a blocked account or as a bad account. The process is quite simple. However, remember that this is only postponement and not a waiver. SO you will have to pay the pending interest once the EMI starts after 3 months.