Reversal of subsidy availed under Pradhan Mantri Awas Yojana (‘PMAY’)?

Reversal of subsidy availed under Pradhan Mantri Awas Yojana (‘PMAY’)? I got below email from my bank from where I have taken home loan, they are saying they are going to reverse my PMAY subsidy amount. As per the guidelines set out by the central nodal agency, the subsidy under PMAY must be reversed if the construction of the Property is not completed within 36 months from the date of first disbursal of the loan. We have verified that the construction of the Property is still not completed. You are requested to sub­mit the following documents on or before the completion of 36 months from the date of first disbursal as indicated above: 1. Possession/completion/occupancy certificate with respect to the Property 2. Latest photographs of the Property If you fail to provide the said documents, in compliance with the guidelines of the central nodal agen­cy, BHFL will be constrained to reverse the subsidy under PMAY, which will be refunded back to the central nodal agency. Please note that the subsidy amount as mentioned above will be added to the current outstanding amount in the Loan Account post the reversal. Because of COVID-19 everything got locked out and, so construction of the building also got locked. Please help me how to tackle this, I don't want to that reversal of subsidy amount