Loan taken from J&k bank covered by CGTMSE with no guarantor

I am female entrepreneur from kashmir who took a loan for starting an adventure tourism activity in kashmir in late 2013 under the seed capital scheme of Entrepreneurhip development institute.Total amount of loans was around 14 lacs including the subsidy of 5 lacs provided by Govt. There was no guarantor required as it was covered under CGTMSE. We started the adventure activity in summers of 2014 as worked only for 2 3 months and then came the floods of 2014 which brought everything to halt. Moratorium was for six months so when it ended i was not able to pay any installments. However after floods jk bank decided to increase moratorium for two more years which i availed after paying some interest. Then in 2015 there was very less tourism and with that i could hardly meet the expenses like salary of employees and the rent of office. Moratorium was still in place and the unrest of 2016 occured which spoiled that year and we had no business. In 2017 one more moratorium was given and again whatever money i had i was forced to give it to bank because bank people told it will be reimbursed into my account after releasing of some aid by the bank. Now i dont have any money left or i am not in a condition to run this business as whatever i had either my employees have taken or bank. Bank people are threatening to lodge an FIR against me now if i dont make the payment