I am looking for legal advice & assistance against my PNB housing loan

Due to COVIA-19 lockdowns in India, I lost my job & I'm not able to pay my home loan EMI from September 2020 till now, dues of 4 months. But PNB housing declared my loan account NPA even after missing 2 EMI's and right now pressuring me every day with legal threats. Another problem is PNB housing at Noida 63 branch tricked me into taking a loan from them. I used to reside in the USA from 2014-2019 as a student & worker. They sanctioned my loan of 46 lakhs with only 11 years of tenure with Rs. 54,000 EMI. I specifically repeatedly told them that I'm returning to India & I need 30 years of tenure with lower EMI once I return to India & they said " no problem, it will be done". Currently, I'm residing in India, they rejected my request to extend my tenure & also lowering my EMI. They tricked and lied to me. Every time they are increasing the interest rate. Right now my EMI is Rs. 57,600 per month as a sole income middle-class family who lives in a 2 bhk apartment with no job in hand.