The moratorium period in relation to personal insolvency is capped at one hundred and eighty days under Section 101 of the IBC. This implies that the PIRP must be completed before the moratorium expires.
The moratorium period for PIRP shall cease to have effect at the end of one hundred and eighty days. While there is no provision for extension of the said moratorium period it does not imply that the PIRP must be completed within the moratorium period. NCLT/NCLAT can extend the PIRP process beyond the moratorium period. See, for example, Purusottam Behera (RP) v State Bank of India and Ors, NCLAT New Delhi, Company Appeal (AT) (Insolvency) No. 258 of 2026.