Format for letter writing - Customer to Bank

Write a letter to the Bank Manager seeking time for payment of EMI.
 From Ramesh Ramamurthy
No.10 Bazullah Road
Shenoy Nagar
Chennai 600084`                                                                        Date:  16.2.2013

 To
The Manager
State Bank of India
Shenoy Nagar Chennai
 Dear Sir,
 Sub: My Education Loan A/c No. SHN/23456/2007-- EMI repayment
 ****
 I availed Education Loan of Rs.6 lakhs in the year 2007 from your branch for study in SMR University. I completed my B.Tech degree in March 2012. I attended campus recruitment tests conducted at the University. But I could not get placed since I had lesser percentage of marks than they insisted upon. After completing the degree I am applying to various software companies for recruitment and am hopeful of getting employed shortly. In the meantime I have received your letter dated 1st February 2013 asking me to pay EMI. My father has retired from government service two years ago and we are living on his monthly pension. My mother is home maker. Under the circumstances, I am unable to repay the EMI as per schedule. Kindly grant me holiday for further six months period.

I am hopeful of getting employed in a software company or in a nationalised bank by that time and I will commence paying my EMI of Rs 9000/ p.m. from May 2013. I am sure you will consider my request favourably.

Thanking you,

 Yours faithfully,

(RAMESH RAMAMURTHY)