The bank loan write-off was highest during 2019-20 when the figure came in at Rs 2.34 lakh crore. In 2020-21, banks wrote off Rs 2.02 lakh crore which further came down to Rs 1.74 lakh crore in the following year
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RBI highlighted several key factors contributing to this positive trend, including enhanced provisioning for bad loans, sustained capital adequacy, and increased profitability.
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