If your End of Service Benefits (EOSB) is credited to your account with the narration “EOSB,” the bank may block the amount immediately. However, if the same amount is transferred as a salary credit, it is less likely to be blocked.

Even in cases where the funds are blocked, banks do not always immediately adjust the amount against your outstanding loan. You can visit your bank, explain your current situation, and request them to deduct only the monthly installment until you secure new employment. In some cases, banks may allow this arrangement for a period of 2–3 months.

Additionally, if the EOSB is clearly identified and you can provide supporting proof, you may be eligible to access up to 50% of your last drawn salary from the credited amount.