http://indpaedia.com/ind/index.php?action=history&feed=atom&title=Banking%2C_India%3A_Loans 2026-08-14T02:12:35Z Revision history for this page on the wiki MediaWiki 1.19.2 http://indpaedia.com/ind/index.php?title=Banking,_India:_Loans&diff=140094&oldid=prev 2026-07-28T20:44:57Z

<p>‎<span dir="auto"><span class="autocomment">2018, March: The biggest defaulters</span></span></p> <table class='diff diff-contentalign-left'> <col class='diff-marker' /> <col class='diff-content' /> <col class='diff-marker' /> <col class='diff-content' /> <tr valign='top'> <td colspan='2' style="background-color: white; color:black;">← Older revision</td> <td colspan='2' style="background-color: white; color:black;">Revision as of 20:44, 28 July 2026</td> </tr><tr><td colspan="2" class="diff-lineno">Line 405:</td> <td colspan="2" class="diff-lineno">Line 405:</td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>Professor Charan Singh, former RBI chair professor at IIM-B, while calling for a complete overhaul of the banking system, cautioned against politicising the issue. “There’s a need to consider the sentiments of the public. Overreaction in the public domain can only deter depositors from banking, and bankers from lending.”</div></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>Professor Charan Singh, former RBI chair professor at IIM-B, while calling for a complete overhaul of the banking system, cautioned against politicising the issue. “There’s a need to consider the sentiments of the public. Overreaction in the public domain can only deter depositors from banking, and bankers from lending.”</div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">==Criminal cases on loan defaulters must end after settlement: SC==</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">[https://epaper.indiatimes.com/article-share?article=03_06_2026_013_020_cap_TOI&#160; AmitAnand.Choudhary, June 3, 2026: ''The Times of India'']</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">New Delhi : Supreme Court has held that criminal proceedings should not be allowed to go on against a loan defaulter if the bank and the debtor reached a compromise for settlement of the loan account. The SC said it would have a debilitating effect on the overall economy if such proceedings are allowed.</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">
A bench of Justices B V Nagarathna and Ujjal Bhuyan said permitting such criminal proceedings would be oppressive for the loan defaulter and would also amount to an abuse of the process of the court after both the parties settle their dispute which is commercial in nature. It allowed the plea of a businessman who sought quashing of criminal case on the ground that he and the bank already compromised before debts recovery tribunal and paid the settlement amount of Rs 4.25 crore against the outstanding due of Rs 6.49 crore which included a notional interest of Rs 3.09 crore.</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">
“Having regard to the fact that the dispute between the parties arising out of banking transactions which are commercial transactions having overwhelmingly or predominantly civil flavour had ended in a compromise settlement, that too, in the manner which we have delineated above, in our view, the possibility of his conviction of appellant No. 1 (businessman) is remote and bleak. Therefore, continuation of the criminal case would cause grave prejudice and injustice to the appellants,” the bench said. 
</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">In this case the bank had lodged criminal complaint of cheating and fraud against the borrower two years after settling the loan with him. The case was probed by CBI which filed chargesheet and it was alleged that businessman had used forged copies of audit report to get enhancement of cash credit limit more than two times of the original amount. 
Quashing the case, the court said such conduct of the bank betrays lack of good faith. 
</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">“There is one more reason why we say so. If the respondentBank is permitted to go ahead with the criminal prosecution initiated after settlement of the loan account before the DRT, it would adversely impact the sanctity of such settlement which has become part of the judicial proceeding and which had the approval of a judicial forum like the DRT. If such a conduct is overlooked and prosecution is allowed to continue, many persons including commercial entities would be hesitant to come forward and seek resolution of their disputes arising out of banking transactions... This in turn would have a debilitating effect on the overall economy, more so, when the focus is on settlement of commercial disputes...”it added.</ins></div></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>== 2018, March: The biggest defaulters==</div></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>== 2018, March: The biggest defaulters==</div></td></tr> <tr><td colspan="2" class="diff-lineno">Line 412:</td> <td colspan="2" class="diff-lineno">Line 426:</td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>''The biggest defaulters, as in March 2018''</div></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>''The biggest defaulters, as in March 2018''</div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">[[Category:Economy-Industry-Resources|B BANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANS</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">BANKING, INDIA: LOANS]]</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">[[Category:India|B BANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANS</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">BANKING, INDIA: LOANS]]</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">[[Category:Pages with broken file links|BANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANS</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">BANKING, INDIA: LOANS]]</ins></div></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>==Riot defaulters exempt==</div></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>==Riot defaulters exempt==</div></td></tr> </table>

Jyoti http://indpaedia.com/ind/index.php?title=Banking,_India:_Loans&diff=139237&oldid=prev 2026-03-29T07:08:25Z

<p>‎<span dir="auto"><span class="autocomment">States, 2019</span></span></p> <table class='diff diff-contentalign-left'> <col class='diff-marker' /> <col class='diff-content' /> <col class='diff-marker' /> <col class='diff-content' /> <tr valign='top'> <td colspan='2' style="background-color: white; color:black;">← Older revision</td> <td colspan='2' style="background-color: white; color:black;">Revision as of 07:08, 29 March 2026</td> </tr><tr><td colspan="2" class="diff-lineno">Line 185:</td> <td colspan="2" class="diff-lineno">Line 185:</td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>Private lenders have expanded their retail lending market share by 10 percentage points across top states in four years. The 15 states listed here account for nearly 90% of the loans. Private banks also disbursed 40% of all advances in FY19 as against 30% in FY15. Nearly 75% of the incremental gains have come from western and southern states.</div></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>Private lenders have expanded their retail lending market share by 10 percentage points across top states in four years. The 15 states listed here account for nearly 90% of the loans. Private banks also disbursed 40% of all advances in FY19 as against 30% in FY15. Nearly 75% of the incremental gains have come from western and southern states.</div></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">===Share of PSEBs, private banks, NBFCs===</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">====Segment-wise====</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">=====2024&gt; 2025=====</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">[https://timesofindia.indiatimes.com/business/india-business/psbs-increase-market-share-in-secured-lending-segments/articleshow/129125520.cms&#160; March 6, 2026: ''The Times of India'']</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">[[File: The Share of PSEBs, private banks, NBFCs in lending, segment-wise, 2024- 2025.jpg|The Share of PSEBs, private banks, NBFCs in lending, segment-wise: 2024&gt; 2025 &lt;br/&gt; From: [https://timesofindia.indiatimes.com/business/india-business/psbs-increase-market-share-in-secured-lending-segments/articleshow/129125520.cms&#160; March 6, 2026: ''The Times of India'']|frame|500px]]</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">MUMBAI: Public sector banks (PSBs) have regained market share in key secured lending segments over the past year, even as private banks and non-banking finance companies (NBFCs) continue to dominate unsecured consumer credit, according to the Feb 2026 Experian Industry Insights report on lending trends.</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">The most visible trend in the current credit cycle is the expansion of PSBs into segments that were earlier dominated by private lenders and NBFCs. PSBs increased their share in auto loans to 36% in Q3 FY26 from 32% a year earlier, a gain of four percentage points. Their share in home loans also rose to 35% from 33% over the same period.</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">Private banks saw a marginal decline in auto loans, where their share slipped to 34% in Q3 FY26 from 35% a year earlier. In home loans, private banks retained the largest share at 42%, which remained unchanged from the previous year.</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">In unsecured lending, private banks continue to dominate credit cards with a 72% share. However, they are facing rising competition from NBFCs in personal loans. Private banks accounted for 46% of the personal loan market in Q3 FY26, down from 48% a year earlier. </ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">NBFCs increased their share in personal loans to 36% from 33%. NBFCs remain the dominant players in consumer credit segments. Total loan sourcing reached around Rs 20,00,000 crore in the latest quarter, a 36% increase from a year earlier, creating room for PSBs to expand their balance sheets without necessarily reducing the absolute volumes of competing lenders.</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">The move by public sector banks toward secured lending is also supported by improving asset quality across the industry.</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">[[Category:Economy-Industry-Resources|B BANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANS</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">BANKING, INDIA: LOANS]]</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">[[Category:India|B BANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANS</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">BANKING, INDIA: LOANS]]</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">[[Category:Pages with broken file links|BANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANS</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">BANKING, INDIA: LOANS]]</ins></div></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>==NBFCs==</div></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>==NBFCs==</div></td></tr> </table>

Jyoti http://indpaedia.com/ind/index.php?title=Banking,_India:_Loans&diff=136835&oldid=prev 2025-06-27T09:28:24Z

<p>‎<span dir="auto"><span class="autocomment">Credit growth</span></span></p> <table class='diff diff-contentalign-left'> <col class='diff-marker' /> <col class='diff-content' /> <col class='diff-marker' /> <col class='diff-content' /> <tr valign='top'> <td colspan='2' style="background-color: white; color:black;">← Older revision</td> <td colspan='2' style="background-color: white; color:black;">Revision as of 09:28, 27 June 2025</td> </tr><tr><td colspan="2" class="diff-lineno">Line 58:</td> <td colspan="2" class="diff-lineno">Line 58:</td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>'' Distribution of reporting offices according to size of bank credit,2022-23 ''</div></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>'' Distribution of reporting offices according to size of bank credit,2022-23 ''</div></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td></tr> <tr><td class='diff-marker'>−</td><td style="background: #ffa; color:black; font-size: smaller;"><div>[[Category:Economy-Industry-Resources|B BANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANS</div></td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins class="diffchange diffchange-inline">=Credit, city-wise=</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins class="diffchange diffchange-inline">==The metros: 2023==</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins class="diffchange diffchange-inline">[[File: The share of Indian metropolitan cities in all-India bank credit, 2023.jpg|The share of Indian metropolitan cities in all-India bank credit, 2023 &lt;br/&gt; From: [https://epaper.indiatimes.com/article-share?article=29_04_2025_003_001_cap_TOI&#160; April 29, 2025: ''The Times of India'']|frame|500px]]</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div>&#160;</div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins class="diffchange diffchange-inline">'''See graphic''':</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div>&#160;</div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins class="diffchange diffchange-inline">'' The share of Indian metropolitan cities in all-India bank credit, 2023 ''</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div>&#160;</div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div>[[Category:Economy-Industry-Resources|B BANKING<ins class="diffchange diffchange-inline">, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING</ins>, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANS</div></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>BANKING, INDIA: LOANS]]</div></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>BANKING, INDIA: LOANS]]</div></td></tr> <tr><td class='diff-marker'>−</td><td style="background: #ffa; color:black; font-size: smaller;"><div>[[Category:India|B BANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANS</div></td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div>[[Category:India|B BANKING<ins class="diffchange diffchange-inline">, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING</ins>, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANS</div></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>BANKING, INDIA: LOANS]]</div></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>BANKING, INDIA: LOANS]]</div></td></tr> <tr><td class='diff-marker'>−</td><td style="background: #ffa; color:black; font-size: smaller;"><div>[[Category:Pages with broken file links|BANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANS</div></td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div>[[Category:Pages with broken file links|BANKING<ins class="diffchange diffchange-inline">, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING</ins>, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANS</div></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>BANKING, INDIA: LOANS]]</div></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>BANKING, INDIA: LOANS]]</div></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td></tr> </table>

Jyoti http://indpaedia.com/ind/index.php?title=Banking,_India:_Loans&diff=135901&oldid=prev 2025-04-29T22:23:55Z

<p>‎<span dir="auto"><span class="autocomment">2015-24; 2020-2024</span></span></p> <table class='diff diff-contentalign-left'> <col class='diff-marker' /> <col class='diff-content' /> <col class='diff-marker' /> <col class='diff-content' /> <tr valign='top'> <td colspan='2' style="background-color: white; color:black;">← Older revision</td> <td colspan='2' style="background-color: white; color:black;">Revision as of 22:23, 29 April 2025</td> </tr><tr><td colspan="2" class="diff-lineno">Line 1,341:</td> <td colspan="2" class="diff-lineno">Line 1,341:</td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>
Govt, in a separate statement, said that public sector banks in India recorded their highest-ever aggregate net profit of Rs 1.41 lakh crore in FY24. This was supported by an improvement in asset quality, with the gross NPAs ratio declining to 3.12% in Sept 2024. In the first half of 2024-25, PSBs reported a net profit of Rs 85,520 crore.</div></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>
Govt, in a separate statement, said that public sector banks in India recorded their highest-ever aggregate net profit of Rs 1.41 lakh crore in FY24. This was supported by an improvement in asset quality, with the gross NPAs ratio declining to 3.12% in Sept 2024. In the first half of 2024-25, PSBs reported a net profit of Rs 85,520 crore.</div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">=See also=</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">And the list is growing…</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">[[The Reserve Bank of India ]]&#160; </ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">[[Asset reconstruction companies: India]]</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; 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Pdewan http://indpaedia.com/ind/index.php?title=Banking,_India:_Loans&diff=134525&oldid=prev 2025-01-07T18:25:39Z

<p>‎<span dir="auto"><span class="autocomment">Loans: written off</span></span></p> <table class='diff diff-contentalign-left'> <col class='diff-marker' /> <col class='diff-content' /> <col class='diff-marker' /> <col class='diff-content' /> <tr valign='top'> <td colspan='2' style="background-color: white; color:black;">← Older revision</td> <td colspan='2' style="background-color: white; color:black;">Revision as of 18:25, 7 January 2025</td> </tr><tr><td colspan="2" class="diff-lineno">Line 1,322:</td> <td colspan="2" class="diff-lineno">Line 1,322:</td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; 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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 govt in response to Parliament queries.</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div>&#160;</div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins class="diffchange diffchange-inline">
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.</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div>&#160;</div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins class="diffchange diffchange-inline">
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 Sept 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.</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div>&#160;</div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins class="diffchange diffchange-inline">
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-Sept PSU banks have written off Rs 42,000 crore of loans as against Rs 6.5 lakh crore for the preceding five years.</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div>&#160;</div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins class="diffchange diffchange-inline">
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.</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div>&#160;</div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins class="diffchange diffchange-inline">
He added that the recovery methods include filing of a suit in civil courts or in debt recovery tribunals, action under the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002, filing of cases in the National Company Law Tribunal under the Insolvency and Bankruptcy Code, 2016, through negotiated settlement/ compromise, and through sale of NPAs.</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div>&#160;</div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins class="diffchange diffchange-inline">
Govt, in a separate statement, said that public sector banks in India recorded their highest-ever aggregate net profit of Rs 1.41 lakh crore in FY24. This was supported by an improvement in asset quality, with the gross NPAs ratio declining to 3.12% in Sept 2024. In the first half of 2024-25, PSBs reported a net profit of Rs 85,520 crore.</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div>&#160;</div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div>[[Category:Economy-Industry-Resources|B BANKING<ins class="diffchange diffchange-inline">, INDIA: LOANSBANKING</ins>, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANS</div></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>BANKING, INDIA: LOANS]]</div></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>BANKING, INDIA: LOANS]]</div></td></tr> <tr><td class='diff-marker'>−</td><td style="background: #ffa; color:black; font-size: smaller;"><div>[[Category:India|B BANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANS</div></td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div>[[Category:India|B BANKING<ins class="diffchange diffchange-inline">, INDIA: LOANSBANKING</ins>, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANS</div></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>BANKING, INDIA: LOANS]]</div></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>BANKING, INDIA: LOANS]]</div></td></tr> <tr><td class='diff-marker'>−</td><td style="background: #ffa; color:black; font-size: smaller;"><div>[[Category:Pages with broken file links|BANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANS</div></td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div>[[Category:Pages with broken file links|BANKING<ins class="diffchange diffchange-inline">, INDIA: LOANSBANKING</ins>, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANS</div></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>BANKING, INDIA: LOANS]]</div></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>BANKING, INDIA: LOANS]]</div></td></tr> </table>

Jyoti http://indpaedia.com/ind/index.php?title=Banking,_India:_Loans&diff=133830&oldid=prev 2024-12-16T13:05:47Z

<p>‎<span dir="auto"><span class="autocomment">2018: PNB gets vigilance prize, Govt explains why</span></span></p> <table class='diff diff-contentalign-left'> <col class='diff-marker' /> <col class='diff-content' /> <col class='diff-marker' /> <col class='diff-content' /> <tr valign='top'> <td colspan='2' style="background-color: white; color:black;">← Older revision</td> <td colspan='2' style="background-color: white; color:black;">Revision as of 13:05, 16 December 2024</td> </tr><tr><td colspan="2" class="diff-lineno">Line 1,281:</td> <td colspan="2" class="diff-lineno">Line 1,281:</td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>Disciplinary proceedings were finalised in 187 cases out of a total of 203 cases within the prescribed timeline of six months for major penalty and three months of minor penalty, he added. The vigilance award had raised eyebrows as it came in the wake of outbreak of the PNB scam involving jewellers Nirav Modi and Mehul Choksi.</div></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>Disciplinary proceedings were finalised in 187 cases out of a total of 203 cases within the prescribed timeline of six months for major penalty and three months of minor penalty, he added. The vigilance award had raised eyebrows as it came in the wake of outbreak of the PNB scam involving jewellers Nirav Modi and Mehul Choksi.</div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">=Loans: written off=</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">==2017-18/ Bad loan write-offs by PSBs surge 140% over their losses==</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">[https://timesofindia.indiatimes.com/business/india-business/bad-loan-write-offs-by-psbs-surge-140-over-their-losses-in-2017-18/articleshow/64602195.cms&#160; June 15, 2018: ''The Times of India'']</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">'''HIGHLIGHTS'''</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">This is a double whammy for the struggling PSBs as they had massive write-offs as well as huge losses in the last financial year</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">Till 2016-17, 21 state-owned banks made combined profit while in 2017-18, they posted a staggering loss of Rs 85,370 crore, as per the data</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">Public sector banks have written off bad loans worth a whopping Rs 1.20 lakh crore, an amount that is nearly one-and-a-half times more than their total losses posted in 2017-18, according to official data. </ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">This is a double whammy for the struggling PSBs as they had massive write-offs as well as huge losses in the last financial year. This is for the first time in a decade that banks have made huge write-offs of bad loans along with booking of hefty losses.&#160; Till 2016-17, 21 state-owned banks made combined profit while in 2017-18, they posted a staggering loss of Rs 85,370 crore, as per the data.&#160; </ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">During 2016-17, PSU banks wrote off non-performing assets (NPAs) worth Rs 81,683 crore as against combined net profit of Rs 473.72 crore. </ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">SBI alone has written off bad loans of Rs 40,196 crore, nearly 25 per cent of the total write-offs during 2017-18. This was followed by Canara Bank (Rs 8,310 crore), Punjab National Bank (Rs 7,407 crore) and Bank of Baroda (Rs 4,948 crore). </ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">As per the data provided by rating agency Icra, Indian Overseas Bank has written of NPAs worth Rs 10,307 crore, followed by Bank of India (Rs 9,093 crore), IDBI Bank (Rs 6,632 crore) and Allahabad Bank (Rs 3,648 crore). These banks along with 7 others come under Prompt Corrective Action framework of RBI. </ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">As per the government data, banks' write-offs stood at Rs 34,409 crore in 2013-14. The figure has jumped nearly four-fold in five years. In 2014-15, the banks wrote off Rs 49,018 crore ; Rs 57,585 crore in 2015-16, Rs 81,683 crore in 2016-17 and hitting a record high of Rs 1.20 lakh crore (provisional) in 2017-18. </ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">Write-off in banking parlance means that the bank has made 100 per cent provision from its earning against that account. Following this, NPA is no longer part of its balance sheet. </ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">However, a write-off puts pressure on balance sheet of banks as it erodes operating profit. </ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">Indian banking sector is grappling with mounting NPAs and host of scams and frauds. NPA in the banking sector stood at Rs 8.31 lakh crore as of December 2017. </ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">Weak financials due to mounting bad loans have already pushed 11 banks, out of 21 , under the Prompt Corrective Action (PCA) framework of RBI. </ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; 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color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">BANKING, INDIA: LOANS]]</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">[[Category:Pages with broken file links|BANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANS</ins></div></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>BANKING, INDIA: LOANS]]</div></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>BANKING, INDIA: LOANS]]</div></td></tr> </table>

Pdewan http://indpaedia.com/ind/index.php?title=Banking,_India:_Loans&diff=133828&oldid=prev 2024-12-16T13:01:14Z

<p>‎<span dir="auto"><span class="autocomment">2017-18/ Bad loan write-offs by PSBs surge 140% over their losses</span></span></p> <table class='diff diff-contentalign-left'> <col class='diff-marker' /> <col class='diff-content' /> <col class='diff-marker' /> <col class='diff-content' /> <tr valign='top'> <td colspan='2' style="background-color: white; color:black;">← Older revision</td> <td colspan='2' style="background-color: white; color:black;">Revision as of 13:01, 16 December 2024</td> </tr><tr><td colspan="2" class="diff-lineno">Line 648:</td> <td colspan="2" class="diff-lineno">Line 648:</td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>As on September 30, 2017, leading corporate houses accounted for approximately 77% of the total gross NPA from domestic operations for banks in India.</div></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>As on September 30, 2017, leading corporate houses accounted for approximately 77% of the total gross NPA from domestic operations for banks in India.</div></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td></tr> <tr><td class='diff-marker'>−</td><td style="background: #ffa; color:black; font-size: smaller;"><div><del style="color: red; font-weight: bold; text-decoration: none;">==2017-18/ Bad loan write-offs by PSBs surge 140% over their losses==</del></div></td><td colspan="2">&#160;</td></tr> <tr><td class='diff-marker'>−</td><td style="background: #ffa; color:black; font-size: smaller;"><div><del style="color: red; font-weight: bold; text-decoration: none;">[https://timesofindia.indiatimes.com/business/india-business/bad-loan-write-offs-by-psbs-surge-140-over-their-losses-in-2017-18/articleshow/64602195.cms&#160; June 15, 2018: ''The Times of India'']</del></div></td><td colspan="2">&#160;</td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td></tr> <tr><td class='diff-marker'>−</td><td style="background: #ffa; color:black; font-size: smaller;"><div><del class="diffchange diffchange-inline">'''HIGHLIGHTS'''</del></div></td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins class="diffchange diffchange-inline">[[Category:Economy</ins>-<ins class="diffchange diffchange-inline">Industry</ins>-<ins class="diffchange diffchange-inline">Resources|B BANKING</ins>, <ins class="diffchange diffchange-inline">INDIA: LOANSBANKING</ins>, <ins class="diffchange diffchange-inline">INDIA: LOANSBANKING</ins>, <ins class="diffchange diffchange-inline">INDIA: LOANS</ins></div></td></tr> <tr><td class='diff-marker'>−</td><td style="background: #ffa; color:black; font-size: smaller;"><div>&#160;</div></td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins class="diffchange diffchange-inline">BANKING</ins>, <ins class="diffchange diffchange-inline">INDIA: LOANS]]</ins></div></td></tr> <tr><td class='diff-marker'>−</td><td style="background: #ffa; color:black; font-size: smaller;"><div><del class="diffchange diffchange-inline">This is a double whammy for the struggling PSBs as they had massive write</del>-<del class="diffchange diffchange-inline">offs as well as huge losses in the last financial year</del></div></td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins class="diffchange diffchange-inline">[[Category:</ins>India<ins class="diffchange diffchange-inline">|B BANKING</ins>, <ins class="diffchange diffchange-inline">INDIA: LOANSBANKING</ins>, <ins class="diffchange diffchange-inline">INDIA: LOANSBANKING</ins>, <ins class="diffchange diffchange-inline">INDIA: LOANS</ins></div></td></tr> <tr><td class='diff-marker'>−</td><td style="background: #ffa; color:black; font-size: smaller;"><div>&#160;</div></td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins class="diffchange diffchange-inline">BANKING</ins>, <ins class="diffchange diffchange-inline">INDIA: LOANS]]</ins></div></td></tr> <tr><td class='diff-marker'>−</td><td style="background: #ffa; color:black; font-size: smaller;"><div><del class="diffchange diffchange-inline">Till 2016</del>-<del class="diffchange diffchange-inline">17</del>, <del class="diffchange diffchange-inline">21 state-owned banks made combined profit while in 2017-18</del>, <del class="diffchange diffchange-inline">they posted a staggering loss of Rs 85</del>,<del class="diffchange diffchange-inline">370 crore, as per the data</del></div></td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins class="diffchange diffchange-inline">[[Category:Pages </ins>with <ins class="diffchange diffchange-inline">broken file links|BANKING</ins>, <ins class="diffchange diffchange-inline">INDIA: LOANSBANKING</ins>, <ins class="diffchange diffchange-inline">INDIA: LOANSBANKING</ins>, <ins class="diffchange diffchange-inline">INDIA: LOANS</ins></div></td></tr> <tr><td class='diff-marker'>−</td><td style="background: #ffa; color:black; font-size: smaller;"><div>&#160;</div></td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins class="diffchange diffchange-inline">BANKING</ins>, <ins class="diffchange diffchange-inline">INDIA: LOANS]]</ins></div></td></tr> <tr><td class='diff-marker'>−</td><td style="background: #ffa; color:black; font-size: smaller;"><div>&#160;</div></td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div></div></td></tr> <tr><td class='diff-marker'>−</td><td style="background: #ffa; color:black; font-size: smaller;"><div><del class="diffchange diffchange-inline">Public sector banks have written off bad loans worth a whopping Rs 1.20 lakh crore, an amount that is nearly one-and-a-half times more than their total losses posted in 2017-18</del>, <del class="diffchange diffchange-inline">according to official data. </del></div></td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; 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This is for the first time in a decade that banks have made huge write-offs of bad loans along with booking of hefty losses.&#160; Till 2016-17, 21 state-owned banks made combined profit while in 2017-18, they posted a staggering loss of Rs 85,370 crore, as per the data.&#160; </del></div></td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div></div></td></tr> <tr><td class='diff-marker'>−</td><td style="background: #ffa; color:black; font-size: smaller;"><div>&#160;</div></td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div></div></td></tr> <tr><td class='diff-marker'>−</td><td style="background: #ffa; color:black; font-size: smaller;"><div><del class="diffchange diffchange-inline">During 2016-17, PSU banks wrote off non-performing assets (NPAs) worth Rs 81,683 crore as against combined net profit of Rs 473.72 crore. </del></div></td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div></div></td></tr> <tr><td class='diff-marker'>−</td><td style="background: #ffa; color:black; font-size: smaller;"><div>&#160;</div></td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div></div></td></tr> <tr><td class='diff-marker'>−</td><td style="background: #ffa; color:black; font-size: smaller;"><div><del class="diffchange diffchange-inline">SBI alone has written off bad loans of Rs 40,196 crore, nearly 25 per cent of the total write-offs during 2017-18. This was followed by Canara Bank (Rs 8,310 crore), Punjab National Bank (Rs 7,407 crore) and Bank of Baroda (Rs 4,948 crore). </del></div></td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div></div></td></tr> <tr><td class='diff-marker'>−</td><td style="background: #ffa; color:black; font-size: smaller;"><div>&#160;</div></td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div></div></td></tr> <tr><td class='diff-marker'>−</td><td style="background: #ffa; color:black; font-size: smaller;"><div><del class="diffchange diffchange-inline">As per the data provided by rating agency Icra, Indian Overseas Bank has written of NPAs worth Rs 10,307 crore, followed by Bank of </del>India <del class="diffchange diffchange-inline">(Rs 9</del>,<del class="diffchange diffchange-inline">093 crore)</del>, <del class="diffchange diffchange-inline">IDBI Bank (Rs 6</del>,<del class="diffchange diffchange-inline">632 crore) and Allahabad Bank (Rs 3,648 crore). 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In 2014-15, the banks wrote off Rs 49,018 crore ; Rs 57,585 crore in 2015-16, Rs 81,683 crore in 2016-17 and hitting a record high of Rs 1.20 lakh crore (provisional) in 2017-18. </del></div></td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div></div></td></tr> <tr><td class='diff-marker'>−</td><td style="background: #ffa; color:black; font-size: smaller;"><div>&#160;</div></td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div></div></td></tr> <tr><td class='diff-marker'>−</td><td style="background: #ffa; color:black; font-size: smaller;"><div><del class="diffchange diffchange-inline">Write-off in banking parlance means that the bank has made 100 per cent provision from its earning against that account. 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Pdewan http://indpaedia.com/ind/index.php?title=Banking,_India:_Loans&diff=131110&oldid=prev 2024-05-04T17:26:39Z

<p>‎<span dir="auto"><span class="autocomment">&#039;Lender can&#039;t seize vehicle without prior notice&#039;</span></span></p> <table class='diff diff-contentalign-left'> <col class='diff-marker' /> <col class='diff-content' /> <col class='diff-marker' /> <col class='diff-content' /> <tr valign='top'> <td colspan='2' style="background-color: white; color:black;">← Older revision</td> <td colspan='2' style="background-color: white; color:black;">Revision as of 17:26, 4 May 2024</td> </tr><tr><td colspan="2" class="diff-lineno">Line 1,161:</td> <td colspan="2" class="diff-lineno">Line 1,161:</td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>BANKING, INDIA: LOANS]]</div></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>BANKING, INDIA: LOANS]]</div></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td></tr> <tr><td class='diff-marker'>−</td><td style="background: #ffa; color:black; font-size: smaller;"><div>== 'Lender can't seize vehicle without prior notice'==</div></td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div>=='Lender can't seize vehicle without prior notice'==</div></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>[https://timesofindia.indiatimes.com/business/lender-cant-seize-vehicle-without-prior-notice/articleshow/63662087.cms&#160; Dipak K Dash, 'Lender can't seize vehicle without prior notice', April 8, 2018: ''The Times of India'']</div></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>[https://timesofindia.indiatimes.com/business/lender-cant-seize-vehicle-without-prior-notice/articleshow/63662087.cms&#160; Dipak K Dash, 'Lender can't seize vehicle without prior notice', April 8, 2018: ''The Times of India'']</div></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td></tr> <tr><td colspan="2" class="diff-lineno">Line 1,178:</td> <td colspan="2" class="diff-lineno">Line 1,178:</td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>The NCDRC observed, &quot;It is relevant to note that the notice is admittedly dated 25.01.2011, whereas in the body of the letter it is stated that the vehicle was taken into possession on 15.01.2011 at 2 pm. Viewed from any angle this repossession notice which dated 10 days after the actual date of repossession cannot be stated to be a notice prior to repossession which is in contravention to the principles of natural justice.&quot;</div></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>The NCDRC observed, &quot;It is relevant to note that the notice is admittedly dated 25.01.2011, whereas in the body of the letter it is stated that the vehicle was taken into possession on 15.01.2011 at 2 pm. Viewed from any angle this repossession notice which dated 10 days after the actual date of repossession cannot be stated to be a notice prior to repossession which is in contravention to the principles of natural justice.&quot;</div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">==LOCs: PSBs lack power to request for them==</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">[https://epaper.indiatimes.com/article-share?article=24_04_2024_024_005_cap_TOI&#160; April 24, 2024: ''The Times of India'']</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">Mumbai : Bombay HC, hearing a batch of over 100 petitions, on Tuesday held as unconstitutional the power given by the Centre to chairpersons and MDs of public sector banks to request for lookout circulars (LOCs) against defaulting borrowers, reports Swati Deshpande. It also set aside LOCs that high-ranking officials of PSBs had set in motion pursuant to enabling office memoranda — executive orders issued by the Centre in 2010 and several later till 2019. HC quashed all such LOCs in a batch of petitions filed in 2020 and later for being unauthorised and violative of fundamental rights, including the right to travel abroad.</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">''' Existing LOCs issued validly won’t be affected: HC '''</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">The verdict echoed Delhi HC’s order of Sept 19, 2023. A single judge bench had held that banks cannot use LOCs as a measure of recovering money from creditors just because they feel that the remedy available under the law isn’t sufficient.</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">
Bombay HC’s Justice Gautam Patel, who is set to retire on April 26, said in one of his last landmark judgments: “Bureau of immigration will ignore and not act upon any LOCs issued by public sector banks and update databases accordingly.”
</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">However, existing LOCs validly issued by courts, tribunals or investigative agencies will not be affected, the Bombay HC bench clarified. The orders of debt recovery tribunal or criminal court, which has issued a restraint order on travel, will continue to operate and invalidation of LOCs in the batch of petitions will not affect those orders, it said.</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">
The judges said banks can approach courts to seek any restriction on a defaulter’s travel or invoke provisions of Fugitive Economic Offender Act where applicable. HC said its judgment “does not prevent Centre from framing an appropriate law and procedure” to deal with a defaulter, in consonance with Article 21.</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">[[Category:Economy-Industry-Resources|B BANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANS</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">BANKING, INDIA: LOANS]]</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">[[Category:India|B BANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANS</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">BANKING, INDIA: LOANS]]</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">[[Category:Pages with broken file links|BANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANS</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">BANKING, INDIA: LOANS]]</ins></div></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>==2018: RBI issues circular to treat defaulters as insolvent==</div></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>==2018: RBI issues circular to treat defaulters as insolvent==</div></td></tr> </table>

Jyoti http://indpaedia.com/ind/index.php?title=Banking,_India:_Loans&diff=128821&oldid=prev 2023-11-21T06:38:35Z

<p>‎<span dir="auto"><span class="autocomment">Advocates can take control of assets: SC</span></span></p> <table class='diff diff-contentalign-left'> <col class='diff-marker' /> <col class='diff-content' /> <col class='diff-marker' /> <col class='diff-content' /> <tr valign='top'> <td colspan='2' style="background-color: white; color:black;">← Older revision</td> <td colspan='2' style="background-color: white; color:black;">Revision as of 06:38, 21 November 2023</td> </tr><tr><td colspan="2" class="diff-lineno">Line 1,134:</td> <td colspan="2" class="diff-lineno">Line 1,134:</td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>It added:”There is no reason to assume that the advocate appointed by the CMM/DM would misuse the task and that it will not be carried out strictly as per law…”</div></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>It added:”There is no reason to assume that the advocate appointed by the CMM/DM would misuse the task and that it will not be carried out strictly as per law…”</div></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">==Fundamental rights of loan defaulters stay intact: SC==</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">[https://epaper.indiatimes.com/article-share?article=29_10_2023_201_020_cap_TOI&#160; Oct 29, 2023: ''The Times of India'']</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">New Delhi : Fundamental rights of a person can’t be taken away for non-payment of loan, the Delhi HC has said, quashing a look out circular (LOC) issued against a man who defaulted on loans for two cars, reports Abhinav Garg. “This court is of the opinion that for non-payment of loans in respect of two cars, the fundamental rights of the petitioner can’t be taken away and, therefore this court, in the facts &amp;circumstances of this case, is inclined to quash the LOC issued against the petitioner subject to conditions,” Justice Subramonium Prasad said.</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">[[Category:Economy-Industry-Resources|B BANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANS</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">BANKING, INDIA: LOANS]]</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">[[Category:India|B BANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANS</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">BANKING, INDIA: LOANS]]</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">[[Category:Pages with broken file links|BANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANS</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">BANKING, INDIA: LOANS]]</ins></div></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>==How bank loans are recovered==</div></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>==How bank loans are recovered==</div></td></tr> </table>

Jyoti http://indpaedia.com/ind/index.php?title=Banking,_India:_Loans&diff=128466&oldid=prev 2023-11-01T01:25:21Z

<p>‎<span dir="auto"><span class="autocomment">Loans and Defaulters</span></span></p> <table class='diff diff-contentalign-left'> <col class='diff-marker' /> <col class='diff-content' /> <col class='diff-marker' /> <col class='diff-content' /> <tr valign='top'> <td colspan='2' style="background-color: white; color:black;">← Older revision</td> <td colspan='2' style="background-color: white; color:black;">Revision as of 01:25, 1 November 2023</td> </tr><tr><td colspan="2" class="diff-lineno">Line 260:</td> <td colspan="2" class="diff-lineno">Line 260:</td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"></td></tr> <tr><td class='diff-marker'>−</td><td style="background: #ffa; color:black; font-size: smaller;"><div>= Loans and Defaulters =</div></td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div>=Loans and Defaulters=</div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins class="diffchange diffchange-inline">==Number of wilful defaulters==</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins class="diffchange diffchange-inline">===2016 – 21===</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins class="diffchange diffchange-inline">[[File: The Number of wilful bank loan defaulters in India, 2016 – 21.jpg|The Number of wilful bank loan defaulters in India, 2016 – 21 &lt;br/&gt; From: [From the archives, Mayur Shetty, Sep 25, 2023: ''The Times of India'']|frame|500px]]</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div>&#160;</div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins class="diffchange diffchange-inline">'''See graphic''':</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div>&#160;</div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins class="diffchange diffchange-inline">'' The Number of wilful bank loan defaulters in India, 2016 – 21 ''</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div>&#160;</div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div>&#160;</div></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>==Wilful defaulters:38% rise, 2012- 2015==</div></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>==Wilful defaulters:38% rise, 2012- 2015==</div></td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>[http://epaperbeta.timesofindia.com/Article.aspx?eid=31808&amp;articlexml=No-of-wilful-defaulters-rises-38-in-three-04052016001014 ''The Times of India''], May 04 2016</div></td><td class='diff-marker'>&#160;</td><td style="background: #eee; color:black; font-size: smaller;"><div>[http://epaperbeta.timesofindia.com/Article.aspx?eid=31808&amp;articlexml=No-of-wilful-defaulters-rises-38-in-three-04052016001014 ''The Times of India''], May 04 2016</div></td></tr> <tr><td colspan="2" class="diff-lineno">Line 429:</td> <td colspan="2" class="diff-lineno">Line 438:</td></tr> <tr><td class='diff-marker'>&#160;</td><td style="background: #eee; 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font-weight: bold; text-decoration: none;"></ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">[[Category:Economy-Industry-Resources|B BANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANS</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">BANKING, INDIA: LOANS]]</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; color:black; font-size: smaller;"><div><ins style="color: red; font-weight: bold; text-decoration: none;">[[Category:India|B BANKING, INDIA: LOANSBANKING, INDIA: LOANSBANKING, INDIA: LOANS</ins></div></td></tr> <tr><td colspan="2">&#160;</td><td class='diff-marker'>+</td><td style="background: #cfc; 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Jyoti