Indian banks write off Rs 9.75 lakh crore in 11 years
Change
Indian banks wrote off loans totaling Rs 9.75 lakh crore over the last 11 financial years, peaking at Rs 1.59 lakh crore in FY20 and falling to Rs 47,568 crore in FY25.
Why it matters
Write-offs do not extinguish borrowers' legal liability to repay; debtors whose accounts are written off remain subject to recovery. Banks must therefore continue pursuing recovery proceedings under the statutory and contractual mechanisms available to them.
Implications
- • Indian banks' recovery and collections departments must continue active recovery actions under statutory mechanisms to attempt to reclaim written-off amounts or forfeit potential recoveries.
- • Borrowers with written-off accounts must continue to respond to recovery notices and repay outstanding sums to avoid enforcement proceedings.
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