Archive · 7 Aug 2025
Indian PSBs Write Off Over Rs 4.48 Lakh Crore in NPAs
Imagine banks giving out loans, and some people can't pay them back.
These unpaid loans are called NPAs.
Recently, Indian government banks 'wrote off' a lot of these bad loans, meaning they took them off the books.
This means the banks are acknowledging they likely won't get the money back.
The total amount written off was huge, over Rs 4.48 lakh crore!
SBI wrote off the most.
The government says this is a technical process, done following rules.
They also clarified that they are still trying to get the money back through legal methods like the IBC.
Indian public sector banks (PSBs) have written off over Rs 4.48 lakh crore in non-performing assets (NPAs) in the last four fiscal years.
The write-offs were revealed by the Minister of State for Finance in the Rajya Sabha.
State Bank of India (SBI) wrote off the most, with over Rs 80,000 crore.
The government clarifies that these write-offs are 'technical' and follow RBI guidelines.
Recovery efforts continue through legal frameworks.
- Who
- Public sector banks in India
- What
- Public sector banks wrote off over Rs 4.48 lakh crore in non-performing assets.
- When
- In the last four financial years.
- Where
- India
- Why
- To comply with RBI guidelines and to clean up their balance sheets.
Concerns Raised
Government Clarification
Transparency vs. Process
Concerns Raised
Write-offs raise questions about accountability and transparency in public banking.
Government Clarification
The government maintains these are technical write-offs following established procedures to improve financial health, and that they will continue recovery efforts through legal frameworks.
- Total Write-off Amount
- Rs 4.48 lakh crore
- Period
- Last four financial years
- Leading Bank in Write-offs
- SBI
- SBI Write-off Amount
- Rs 80,197 crore
- Government Stance
- Write-offs are 'technical'
- Recovery Efforts
- Ongoing through legal frameworks