Lok Sabha Question No. 3748 (UNSTARRED), answered on 2026-03-16
Subject: Loans Written Off
Ministry: FINANCE
Asked by: Shri Abhishek Banerjee

## GOVERNMENT OF INDIA MINISTRY OF FINANCE

## DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UNSTARRED QUESTION NO- 3748

ANSWERED ON MONDAY, 16 MARCH, 2026/PHALGUNA 25, 1947 (SAKA)

## Loans Written Off

3748. SHRI ABHISHEK BANERJEE:

Will the Minister of FINANCE be pleased to state:-

- (a)  the  total  amount  of  loans  written  off  during  the  last  eleven  years  for  farmers, industrialists,  Micro,  Small  and  Medium  Enterprises  (MSMEs)  and  other  categories, category-wise and year-wise;
- (b) the total amount of loans written off for large industries and service sector companies during the last eleven years, give company-wise and year-wise details thereof; and
- (c) the names of the ten largest companies whose loans were written off during the said period, along with the amount and reasons therefor?

## ANSWER

## THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI PANKAJ CHAUDHARY)

- (a): The Reserve Bank of India (RBI) has apprised that the category-wise details regarding 'farmers'  and  'industrialists',  an d  the  names  of  the  ten  largest  companies  whose  loans were written-off is not maintained by it. However, year-wise details of loans written-off by Public Sector Banks, Private Sector Banks, Foreign Banks and Small Finance Banks, for  categories  'Agriculture  and  Allied  Activities',  'Industry'  and  'Services',  'MSME'  and Retail Loans, during the last 11 financial years (FYs), are at Annex .
- (b):  As  per  RBI  data  for  category  'Large  Industries  &  Services'  the  amount  of  loans written-off during the last 11 FYs by the aforesaid bank groups, are as under.

(Amounts in crore Rs.)

| Category                     | FY      | Reduction in NPAs due to write-offs   |
|------------------------------|---------|---------------------------------------|
| Large - Industries &Services | 2014-15 | 31,723                                |
| Large - Industries &Services | 2015-16 | 40,416                                |
| Large - Industries &Services | 2016-17 | 68,308                                |
| Large - Industries &Services | 2017-18 | 99,132                                |
| Large - Industries &Services | 2018-19 | 1,48,753                              |
| Large - Industries &Services | 2019-20 | 1,59,139                              |
| Large - Industries &Services | 2020-21 | 1,27,050                              |

| 2021-22   | 69,532   |
|-----------|----------|
| 2022-23   | 1,14,528 |
| 2023-24   | 68,366   |
| 2024-25   | 47,568   |

(c):  RBI  has  informed  that  the  names  of  the  ten  largest  companies  whose  loans  were written-off is not maintained by it.

Banks write-off NPAs, including, inter-alia , those in respect of which full provisioning has been made on completion of four years, as per 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.  The  borrowers  continue  to  be  liable  for repayment  and  banks  continue  to  pursue  recovery  actions  initiated  in  these  accounts. Further, recovery in written-off loans is an ongoing process and banks continue pursuing their  recovery  actions  initiated  against  borrowers  under  various  recovery  mechanisms available to them.

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## Lok Sabha Unstarred question no. 3748, regarding loans written off

## Category-wise details of written-off loans by Public Sector Banks, Private Sector Banks, Foreign Banks and Small Finance Banks

(Amounts in crore Rs.)

| Category                          | Financial Year   | Reduction in NPAs due to write-offs   |
|-----------------------------------|------------------|---------------------------------------|
| Agriculture and Allied Activities | 2014-15          | 6,845                                 |
| Agriculture and Allied Activities | 2015-16          | 6,845                                 |
| Agriculture and Allied Activities | 2016-17          | 6,488                                 |
| Agriculture and Allied Activities | 2017-18          | 10,747                                |
| Agriculture and Allied Activities | 2018-19          | 12,728                                |
| Agriculture and Allied Activities | 2019-20          | 12,969                                |
| Agriculture and Allied Activities | 2020-21          | 14,483                                |
| Agriculture and Allied Activities | 2021-22          | 15,222                                |
| Agriculture and Allied Activities | 2022-23          | 23,852                                |
| Agriculture and Allied Activities | 2023-24          | 24,426                                |
| Agriculture and Allied Activities | 2024-25          | 21,882                                |
| Industries                        | 2014-15          | 26,786                                |
| Industries                        | 2015-16          | 36,952                                |
| Industries                        | 2016-17          | 65,564                                |
| Industries                        | 2017-18          | 1,00,730                              |
| Industries                        | 2018-19          | 1,51,678                              |
| Industries                        | 2019-20          | 1,44,425                              |
| Industries                        | 2020-21          | 1,03,306                              |
| Industries                        | 2021-22          | 57,242                                |
| Industries                        | 2022-23          | 87,873                                |
| Industries                        | 2023-24          | 52,533                                |
| Industries                        | 2024-25          | 37,716                                |
|                                   | 2014-15          | 20,669                                |
| Services                          | 2015-16          | 17,648                                |
| Services                          | 2016-17          | 22,965                                |
| Services                          | 2017-18          | 29,447                                |
| Services                          | 2018-19          | 32,736                                |
| Services                          | 2019-20          | 46,072                                |
| Services                          | 2020-21          | 44,818                                |
| Services                          | 2021-22          | 49,325                                |
| Services                          | 2022-23          | 61,813                                |
| Services                          | 2023-24          | 41,877                                |

| Financial Year   | Reduction in NPAs due to write-offs   |
|------------------|---------------------------------------|
| 2014-15          | 15,449                                |
| 2015-16          | 13,509                                |
| 2016-17          | 19,768                                |
| 2017-18          | 24,947                                |
| 2018-19          | 30,582                                |
| 2019-20          | 25,754                                |
| 2020-21          | 18,460                                |
| 2021-22          | 28,490                                |
| 2022-23          | 35,158                                |
| 2023-24          | 26,044                                |
| 2024-25          | 28,587                                |
| 2014-15          | 5,115                                 |
| 2015-16          | 5,286                                 |
| 2016-17          | 6,658                                 |
| 2017-18          | 8,283                                 |
| 2018-19          | 13,188                                |
| 2019-20          | 13,607                                |
| 2020-21          | 18,936                                |
| 2021-22          | 29,475                                |
| 2022-23          | 28,467                                |
| 2023-24          | 36,591                                |
| 2024-25          | 45,404                                |

Source: RBI

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