iarjbmIARJBMIARJBM2708-5147https://doi.org/10.47310/iarjbm.2021.v02i01.008Micro Finance Borrowers Awareness on Loan Moratorium and Perception: A Study on Self Help Group with Special Reference to Manjeri Muncipality, MalappuramJASMINK.SAJUK.Ph.D scholar, Management Department, Karpagam Acedamy of higher education, Coimbatore.Kudumbashree is a Kerala state government project to up bring the lower strata of the society. They mainly focus to empower the women belongs to lower strata of the society to build a carrier. For the purpose of study, the samples taken from micro-finance borrowers under Kudumbashree. The micro-financial institutions provide loans to this group for a high interest. Though the interest rate is high the non-performing assets of micro-finance institutions were very low before covid-19. After covid-19 turbulence happened in all sectors of business. The borrowers lack wherewithal to pay the loan. Moratorium on this period brings relief for the borrowers for a span of period. But later on the borrowers slog to find wherewithal to repay the loan and interest over the moratorium too. Indeed, most of the borrowers are illiterate. They have no idea about the financial terms and concept rather than paying the loan and interest on time. So, this study tried to know the borrower’s awareness level on loan moratorium. The study also tried to understand the impact of covid-19 on different professional sectors of borrowers. Another objective of the study is to forecast the future requirement of loan services for the existing borrowers. 140 is the sample size of the study. Sampling technique used for the study is convenient sampling. Statistical tools used for the research are simple percentage, Anova and correlation.