• bad debts reserve

अशोध्य:    irrecoverable

अशोध्य ऋण:    bad debt bad debts dead loan irrecoverable debts

ऋण:    credit loaning indebtedness minus margin for

आरक्षित:    reserve fortified secured reserved

आरक्षित निधि:    reserve reserve fund आरक्षित

निधि:    fund funds prize treasure Treasury treasure house