Although overall bad loan numbers are improving, analysts are cautious about future delinquencies arising out of the restructured book. Over ₹18,500 crore of such loans has slipped into the non-performing asset (NPA) category after borrowers were unable to repay despite an extension of the repayment period and easier payment terms. While some small businesses are yet to find their feet after the covid onslaught, a section of individual borrowers have also failed to repay, showed data from 27 banks who have declared their earnings for the year to March
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