The moratorium period in relation to personal insolvency is capped at one hundred and eighty days under Section 101 of the IBC. However, if PIRP is not completed within the said period, the DRT can grant an extension of ninety days once.
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.