What to do if the bank asks oneshot settlement in jobless condition of COVID

Respected sir , i do live in bangalore .I took a personal loan of 1 lakh by 2011 July from Fullerton ( non banking finance company ) .. I paid till 7 emi . After that I lost my job and for seeking job I migrated to other place and I missed to contact bank.. As I didnot have Job consistency I shifter to different places . Now recently again I'm jobless due to COVID situation . Now Fullerton bank people's collection agent ( through kotak bank ) approched me ..I explained my situation and asked time to pay . But in one shot they are asking 1.3 lac immediately .. i begged them to give some time minimum 6 months .. but they are not even listening and torturing by visiting house and expecting me to pay the whole amount in one shot .. Sir I'm really struggling for income .. I'm a teacher. Due to Covid..lost the income ..I don't have source now.. but will surely intend to pay them in sometime .. they are not giving crushing me.. I'm mentally stressed .. no sleep.. don't know what to do.. Pls help advising me .sir ..