One of course, is the fact that on the back of a very strong fourth quarter, we believe rural demand is bouncing back with good monsoons. If you look at it from a provisioning perspective, last year we had taken a credit of about Rs 192 crore at the beginning of the year towards 100% provided items. These are assets which are outstanding for more than 12 months, 24 months where we have already fully provided. It does take a little longer to recover dues from all these accounts.As of 31st March, about Rs 83 crore was yet to be recovered from these accounts. So there is Rs 83 crore of additional provisions which is a one-time payment and which has come in this quarter.

Source: Economic Times July 25, 2017 09:00 UTC