20 Lack personal loan

Hi Community members I have lost 20 Lack in the stock market now working in a corporate company. Now my monthly EMI (80k) is double than my salary. I stay in a rented house with my family in Bengaluru. Salary what I'm getting is enough for my family's survival only. I have tried to do online side hustle, online tutor, home tutor, (nowadays most of them are fake) Now I do swiggy/zomato delivery also after my work hours. But still I'm unable to match the monthly EMI amount. I'm seeking your suggestion on: 1) Do I need to continue with stocks? 2) What side hustle can I do? 3) Is it good if I reduce the EMI amount and increase the tenure? 4) What happens if I don't pay the EMI? Thanks for your suggestion in advance 🙏🏻