印度10年内勾销了12万亿卢比贷款，其中一半是过去5年由国有银行勾销的

Rs 12 lakh crore loans written off in 10 years, half of it by PSU banks in last 5 years

10年内勾销了12万亿卢比贷款，其中一半是过去5年由国有银行勾销的

MUMBAI: Loans written off by commercial banks between FY15 and FY24 totalled Rs 12.3 lakh crore. Of this, 53% or Rs 6.5 lakh crore of the write-offs were by public sector banks in the last five years (FY20-24), according to data provided by the government in response to Parliament queries.

孟买：商业银行在2015财年和2024财年之间勾销的贷款总额为12.3万亿卢比。根据政府在回应议会质询时提供的数据，其中53%，约合6.5万亿卢比，是在过去五年（20-24财年）由国有银行购销的。

The loan write-offs by the banking sector peaked in FY19 at Rs 2.4 lakh crore, which followed an asset quality review that began in 2015. It fell to the lowest level of Rs 1.7 lakh crore in FY24 which was only 1% of total bank credit of around Rs 165 lakh crore outstanding at that time. Public sector banks currently have a share of 51% of the banking sector's incremental credit, lower than 54% in FY23.

在2015年开始的资产质量审查之后，银行业的贷款冲销在2019财年达到了2.4万亿卢比的峰值。在24财年降至最低水平1.7万亿卢比，仅占当时约165万亿卢比的银行信贷总额的1%。国有银行目前占银行业增量信贷的51%，低于2023财年的54%。

Pankaj Chaudhary, minister of state for finance, said that according to RBI data, gross NPAs of public sector banks and private sector banks as of September 30, 2024 were Rs 3,16,331 crore and Rs 1,34,339 crore, respectively. Further, gross NPAs as a percentage of outstanding loans was 3.01% in public sector banks and 1.86% in private sector banks.

财政秘书Pankaj Chaudhary表示，根据印度储备银行的数据，截至2024年9月30日，国有银行和私营银行的不良资产总额分别为31633.1亿卢比和13433.9亿卢比。此外，国有银行的不良资产总额占未偿还贷款的百分比为3.01%，私营银行为1.86%。

SBI, which accounts for around a fifth of banking activity, wrote off Rs 2 lakh crore during the period. Punjab National Bank wrote off Rs 94,702 crore worth of loans among nationalised banks. During the current fiscal up to end-September PSU banks have written off Rs 42,000 crore of loans as against Rs 6.5 lakh crore for the preceding five years.

在此期间，印度国家银行勾销了2万亿卢比。印度国家银行约占印度银行业活动的五分之一。旁遮普国家银行勾销了国有银行9470.2亿卢比的贷款。在截至9月底的当前财政年度，国有银行冲销了4200亿卢比的贷款，而前五年为6.5万亿卢比。

Responding to the query on PSB write-offs, Chaudhary said: "Banks write-off NPAs in respect of which full provisioning has been made on completion of four years, according to RBI guidelines and policy approved by banks' boards. Such write-off does not result in waiver of liabilities of borrowers and therefore, it does not benefit the borrower and banks continue to pursue recovery actions initiated in these accounts.

在回答有关储蓄银行冲销的问题时，Chaudhary说：“根据印度储备银行的指导方针和银行董事会批准的政策，银行冲销了四年完成后全额拨备的不良资产。这样的注销不会导致借款人的负债免除，因此，不会使借款人受益，银行会继续对这些账户发起追讨行动。

印度时报读者的评论：

Middle Class

Modi Sarkar is not ready to share the names of defaulters as most of them must be donors to PM CARE and The Election Bond.

莫迪不准备公布违约者的名字，因为他们中的大多数人是总理关爱基金和选举债券的捐助者。

Varinder Dhawan

these are loans given under UPA government.

这些贷款是在国大党政府领导时期发放的。

Avinash S

Congress loots, and leaves economy in shambles each time it got opportunity Soneone like Narasimha and modi have to appear rescue. Gandhi family politics in states and center with fool & corrupt population of India.

国大党每次有机会就抢劫，让经济陷入混乱，像莫迪这样的人必须站出来拯救国家。甘地家族政治在邦和中央都是腐败的。

Djvnyhxvzt

And they were blaming manmohan singh, feku truth will come out fully when the PM changes

他们过去指责曼莫汉·辛格，总理换了，真相就会大白

Tarunkumar Mishra

loan defaulters are not Adani Ambani. Loan default has been domain of beneficiaries of loan on phone perpetrated by UPA regime under great economist prime Minister.

贷款违约者不是阿达尼、安巴尼，是那个经济学家总理领导的国大党政权下的电话贷款受益者。

Duniya waalo

UPA phone loan sanctions were finally written off. Time to get rid of Congress era filth.

国大党时期的电话贷款最终被一笔勾销。是时候摆脱国大党时代的污秽了。

Gatothkach

When a industralist goes to bank, he's given thousands of crores loan with any collateral. When you go to bank, bank asks you for collateral for a few lacs of loan. Then the industrialist declares bankruptcy and then the banks syphon off the loans.

当一个实业家去银行时，他会获得数千万卢比的贷款。当你去银行时，银行要求你提供一些贷款的抵押品。如果这个实业家宣布破产，银行就勾销他的贷款。

Ayikousik

Incomplete picture as this does not specify how much is recovered / can be recovered like from Nirav Modi,Choksey , Mallya..etc..

信息不完整，没说这些贷款违约者都有谁

Nation Builder

Congress Govt was worst rule still they were following fiscal discipline but so called RSS backed nationalist Govt is not following any fiscal discipline,Central Govt borrowings crossed 200 lakh crore from 50 lakh crore in 10 years and this 12 lakh crore bank loan right off.How corporates can misuse bank funds without political support?

虽然国大党政府是最糟糕的，但他们遵守财政规定，所谓人民党政府不遵守任何财政规定，中央政府的借款在10年内从50万亿卢比达到超过了200万亿卢比，包括12万亿卢比的银行贷款。企业如果没有政治支持，能随便拿到银行资金？

Pram

PM Modi is doing a great job and it is the mess of the Congress party. The lest written off is in FY24 which is a proof of it. Corrupt bank officers' properties should be auctioned.

莫迪总理做得很好，这是国大党的烂摊子。2024财年购销的金额是最少的，这是一个证明。腐败的银行官员的财产应该被拍卖。

0 1 • Reply • Flag

The paradox of banking is to give loans to people without verification/mortgage who have tons of money earned by hook or crook but person who really needs help in terms of money are made to run and are asked for collateral.

银行业的矛盾之处在于，它把贷款给那些没有经过验证/没有抵押的人，这些人通过各种手段赚了很多钱，但那些真正需要钱的人却被要求提供抵押品。

Gok

More than half the readers here and almost all the MPs don't know a sh** about Public Finance, Banking let alone the difference between a loan write-off in the books and actual losses. But, they will go tongs and hammer asking for the heads of Modi, Shah, RBI Governor...and replace them with financial geniuses from the Italian Mafia as they surely know how to loot and scoot. Yes, they can pull out the Constitution from their pockets and jackets.

超过一半的读者和几乎所有的国会议员对公共财政和银行一无所知，更不用说账上的贷款勾销和实际损失之间的区别了。但是，他们会不遗余力地要求罢免莫迪、沙阿、印度央行行长……用意大利黑手党的金融天才来取代他们，因为他们肯定知道如何抢劫，然后逃之夭夭。他们随便凌驾于宪法之上。

1 0 • Reply • Flag

Why the Government has not shared the crucial information-the top 100 Corporates who have defaulted in repayment of loans and value of assets the banks hold in respect of the loans? Are not the depositors and tax payers have every right to know them?

为什么政府没有分享重要的信息：拖欠贷款的前100家企业和银行持有的与贷款有关的抵押品价值？存款人和纳税人难道没有权利知道吗？

you guys need to read properly and understand this "Such write-off does not result in waiver of liabilities of borrowers and therefore, it does not benefit the borrower and banks continue to pursue recovery actions initiated in these accounts." dont simply jump to conclusions! (facepalm)

你们应该正确解读：注销贷款并不意味着借款人的债务免除，因此，对借款人没有好处，银行将继续追债。”所以不要轻易下结论！

3 0 • Reply • Flag

These figures are frightening- hardworking middle income person paying taxes to seek bright future for hos family stares at complete misuse of his honesty .

这些数字令人恐惧——辛勤工作的中等收入者为了家庭的未来而纳税，这完全是在滥用他们的诚实。

6 0 • Reply • Flag

This is not farm loans

这些不是农业贷款

0 0 • Reply • Flag

Lakhs of crores are waived off for farmers every year

每年为农民减免数万亿卢比贷款

0 0 • Reply • Flag

Not true,Not anymore,These write offs are not farm loans

不是这样的，不再是这样了，勾销的这些不是农业贷款

Balachandran Nair V

I think it is a banking procedure followed to correct balance sheet

我认为这是纠正资产负债表的银行程序

Suvendu Baral

Simple logic, BJP will be in majority till happiness index is low. Coz you know hate prospers between people and it is easy to mold their brains

逻辑很简单，在人民之间制造仇恨，就很好洗脑了

0 0 • Reply • Flag

Loans written off were not disbursed during BJP rule. They were yesteryear loans that were NPA. Understand the article before commenting. This is done to clean the books, and it does not mean they are not recoverable.

这些贷款不是在人民党执政期间发放的。它们是过去的贷款，是国大党时期发放的。在评论之前先理解文章。这样做是为了清理账簿，但这并不意味着这些贷款就不用还了。

Vpkumar

Most are business loans which are given with 3 - 5 year term, then how congress involved in this…

大多数是商业贷款，期限为3 - 5年，怎么扯上国大党了？

Poochtahaibharat

These Banks MUST declare the Names of the companies whose Loans are Written Off. Atleast aam janta can know where their tax amount is looted.

这些银行必须公布被勾销贷款的公司的名称。至少老百姓可以知道他们的税款是被掠夺了。

0 0 • Reply • Flag

Who is approving such write off of loans? Money in banks belongs citizens of India. So customer's approval taken?

谁批准这样的贷款勾销？银行里的钱属于印度公民，客户同意了吗？