How to settle a NPA loan account if borrower passes away

Some points that might be helpful: 1. My father took a mortgage loan in Dec 2014 on our only home. 2. It became NPA in 2016. 3. Loan account is still NPA and father has paid upto Rs. 13.21 Lac from the beginning. Initially in 9 regular EMIs and then in multiple lumpsum payments. 4. Bank reduced Rs. 9.31 Lac paid amount by charging interest and penal interest from 2017. 5. My father passed away on Oct 3, 2020 due to COVID19. 6. My mother who is a homemaker is the only nominee for the house. 7. Bank is asking for Rs. 14.15 Lac for OTS and the loan principal is Rs. 14.70 Lac borrowed at 13.5% for 10 Years. 8. We can pay only 4 Lac for now. 9. Bank has already obtained a DM order for possession of our house. Following is the income profile of me and my brother. Vikas Sunil Wani Occupation: Business Monthly Income: Rs. 45,000 - 50,000 Monthly Loan EMIs: Rs. 21,800 Credit Card Outstanding: Rs. 1,45,000 Housing Rent: Rs. 12,000 Groceries Expenses: Rs. 7,000 Marital Status: Married Milind Sunil Wani Occupation: Salaried Monthly Salary: Rs. 24,000 Monthly Loan EMI: Rs. 8,000 Groceries Expenses: Rs. 7,000 Credit Card Outstanding: 20,000 Marital Status: Married I request you to please go through and advice me on how should I proceed. Thanks!