Moratorium period

Please help me to know this In national bank If my education loan principal outstanding is 100000 My accumulated interest is 25000 Is under moratorium period means interest is not yet capitalized so simple Int is being charged I.e on principal without considering accumulated int as this is the policy of moratorium period. Now if I pay 10000 to bank as repayment of loan then it'll be reduced from principal or accumulated interest ? Whether my next month int is cal after deducting my repayment on principal ?