Apart from basic checks such as checking
- Mobile Data is on and you can load web pages directly on the phone
- Hotspots is on
- Data Saver & Battery Saver are off
Go to Settings > System > Reset options. Tap Reset Wi-Fi, mobile & Bluetooth and confirm. This refreshes all network drivers without deleting personal files. Restart your phone afterward.
This resolved my hotspot issue on moto e13.