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ActiveIndore, Madhya PradeshSince 2005

B.R.Goyal Infrastructure Limited

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Set up in 2005 in Indore. It has pledged its assets against loans of up to ₹507.85 crore from 8 lenders.

CINL04520MP2005PLC017479
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21 years at a glance

Loans against its assets, and when today's people joined

20062008201020122014201620182020202220242026LOANS AGAINST ITS ASSETSTODAY'S PEOPLE, WHEN THEY JOINEDRegistered as a companyHDFC Bank House, up to ₹8.71 lakh, 24 May 2005 to 31 May 2013HDFC Bank House, up to ₹8.43 lakh, 29 Jun 2005 to 31 May 2013Oriental Bank of Commerce, up to ₹10 crore, 18 Oct 2005 to 28 May 2018Oriental Bank of Commerce, up to ₹7.75 crore, 18 Oct 2005 to 25 Mar 2011ICICI Bank Limited, up to ₹19 lakh, 18 Nov 2005 to 14 Jun 2018Kotak Mahindra Bank Limited, up to ₹16.85 lakh, 9 Jun 2006 to 3 May 2013Citi Corp Finance India Ltd., up to ₹14.76 lakh, 28 Jun 2006 to 6 May 2013ICICI Bank Limited, up to ₹17.15 lakh, 18 Jan 2007 to 31 May 2013ICICI Bank Limited, up to ₹62.09 lakh, 27 Jan 2007 to 14 Jun 2018Oriental Bank of Commerce, up to ₹3.15 crore, 14 Mar 2007 to 25 Mar 2011HDFC Bank Limited, up to ₹18 lakh, 4 May 2007 to 8 May 2018Reliance Capital Limited, up to ₹15.53 lakh, 4 Mar 2008 to 10 Dec 2012HDFC Bank Limited, up to ₹23.5 lakh, 1 Aug 2008 to 13 Jun 2018Oriental Bank of Commerce, up to ₹7.45 crore, 6 Aug 2008 to 25 Mar 2011HDFC Bank Limited, up to ₹71.5 lakh, 3 Oct 2008 to 13 Jun 2018HDFC Bank Limited, up to ₹50.76 lakh, 3 Oct 2008 to 13 Jun 2018HDFC Bank Limited, up to ₹37.18 lakh, 4 Oct 2008 to 13 Jun 2018HDFC Bank Limited, up to ₹52.5 lakh, 4 Oct 2008 to 13 Jun 2018HDFC Bank Limited, up to ₹29.75 lakh, 4 Oct 2008 to 13 Jun 2018Kotak Mahindra Bank Limited, up to ₹77.82 lakh, 10 Mar 2010 to 3 May 2013State Bank of India, up to ₹149.58 crore, 7 May 2010 to 6 Mar 2021HDFC Bank Limited, up to ₹21.1 lakh, 26 Jun 2010 to 11 Jun 2013Srei Equipment Finance Private Limited, up to ₹1.97 crore, 15 Nov 2010 to 27 Jul 2016Srei Equipment Finance Private Limited, up to ₹41.51 lakh, 15 Nov 2010 to 27 Jul 2016Srei Equipment Finance Private Limited, up to ₹44.85 lakh, 15 Nov 2010 to 27 Jul 2016Srei Equipment Finance Private Limited, up to ₹23.85 lakh, 15 Nov 2010 to 27 Jul 2016Srei Equipment Finance Private Limited, up to ₹79 lakh, 15 Nov 2010 to 27 Jul 2016ICICI Bank Limited, up to ₹45.4 lakh, 31 Dec 2010 to 2 Jul 2018Kotak Mahindra Bank Limited, up to ₹4.1 crore, 8 Apr 2011 to 18 May 2018HDFC Bank Limited, up to ₹13.4 lakh, 31 May 2011 to 28 Jun 2019HDFC Bank Limited, up to ₹15.2 lakh, 31 May 2011 to 28 Jun 2019Srei Equipment Finance Private Limited, up to ₹41.85 lakh, 5 Jun 2011 to 27 Jul 2016HDFC Bank Limited, up to ₹16.2 lakh, 5 Aug 2011 to 28 Jun 2019ICICI Bank Limited, up to ₹33.16 lakh, 22 Sept 2011 to 2 Aug 2023ICICI Bank Limited, up to ₹2.03 crore, 30 Nov 2011 to 2 Aug 2023Kotak Mahindra Bank Limited, up to ₹6 crore, 22 May 2012 to 18 May 2018ICICI Bank, up to ₹8.49 lakh, 31 Aug 2012 to 3 Feb 2021HDFC Bank Limited, up to ₹7.6 lakh, 9 Oct 2012 to 28 Jun 2019HDFC Bank Limited, up to ₹14.4 lakh, 9 Oct 2012 to 28 Jun 2019HDFC Bank Limited, up to ₹27.6 lakh, 9 Oct 2012 to 28 Jun 2019HDFC Bank Limited, up to ₹22.4 lakh, 9 Oct 2012 to 28 Jun 2019HDFC Bank Limited, up to ₹45.7 lakh, 9 Oct 2012 to 28 Jun 2019HDFC Bank Limited, up to ₹16.8 lakh, 9 Oct 2012 to 28 Jun 2019HDFC Bank Limited, up to ₹26.4 lakh, 9 Oct 2012 to 28 Jun 2019HDFC Bank Limited, up to ₹16.4 lakh, 9 Oct 2012 to 28 Jun 2019Axis Bank Limited, up to ₹5 crore, 26 Apr 2013 to 7 Nov 2022HDFC Bank Limited, up to ₹1.56 crore, 5 Oct 2013 to 28 Jun 2019ICICI Bank Limited, up to ₹1.43 crore, 27 Oct 2014 to 3 Feb 2021HDFC Bank Limited, up to ₹1.91 crore, 31 Oct 2014 to still openHDFC Bank Limited, up to ₹11.4 lakh, 9 Mar 2015 to 28 Jun 2019HDFC Bank Limited, up to ₹4 crore, 23 Sept 2015 to still openHDFC Bank Limited, up to ₹7.85 lakh, 30 Sept 2015 to still openHDFC Bank Limited, up to ₹1.34 crore, 3 Oct 2015 to still openAxis Bank Limited, up to ₹5.68 lakh, 23 Oct 2015 to 18 Jan 2021HDFC Bank Limited, up to ₹3 crore, 31 Oct 2015 to still openICICI Bank Limited, up to ₹2.34 crore, 27 Nov 2015 to 4 Nov 2022HDFC Bank Limited, up to ₹1.24 crore, 22 Dec 2015 to still openICICI Bank Limited, up to ₹34.84 lakh, 22 Dec 2015 to 4 Nov 2022HDFC Bank Limited, up to ₹1.33 crore, 5 Feb 2016 to 28 Jun 2019ICICI Bank Limited, up to ₹22 lakh, 17 Feb 2016 to 3 Feb 2021ICICI Bank Limited, up to ₹2.03 crore, 6 May 2016 to 4 Nov 2022ICICI Bank Limited, up to ₹59.85 lakh, 31 Aug 2016 to 3 Feb 2021Srei Equipment Finance Limited, up to ₹20.73 lakh, 1 Oct 2016 to 11 Nov 2022Srei Equipment Finance Limited, up to ₹90 lakh, 1 Oct 2016 to 11 Nov 2022Srei Equipment Finance Limited, up to ₹98.11 lakh, 1 Oct 2016 to 10 Nov 2022ICICI Bank Limited, up to ₹1.5 crore, 5 Oct 2016 to 7 Sept 2023Axis Bank Limited, up to ₹19.21 lakh, 25 Oct 2016 to 18 Jan 2021Srei Equipment Finance Limited, up to ₹33.86 lakh, 8 Nov 2016 to 11 Nov 2022Srei Equipment Finance Limited, up to ₹13.94 lakh, 8 Nov 2016 to 11 Nov 2022Srei Equipment Finance Limited, up to ₹40.8 lakh, 8 Nov 2016 to still openAxis Bank Limited Sme Centre Indore, up to ₹11.7 lakh, 22 Nov 2016 to 18 Jan 2021Axis Bank Limited Sme Centre Indore, up to ₹99.05 lakh, 23 Nov 2016 to 18 Jan 2021Axis Bank Limited Sme Centre Indore, up to ₹20.45 lakh, 29 Nov 2016 to 18 Jan 2021Axis Bank Limited Sme Centre Indore, up to ₹20.52 lakh, 29 Nov 2016 to 3 Feb 2021Axis Bank Limited, up to ₹12.1 lakh, 13 Dec 2016 to 18 Jan 2021HDFC Bank Limited, up to ₹4.5 crore, 16 Dec 2016 to still openICICI Bank Limited, up to ₹21.38 lakh, 19 Jan 2017 to 3 Feb 2021ICICI Bank Limited, up to ₹1.72 crore, 31 Mar 2017 to 4 Nov 2022HDFC Bank Limited, up to ₹65.5 lakh, 4 May 2017 to still openHDFC Bank Limited, up to ₹1.38 crore, 4 May 2017 to still openAxis Bank Limited, up to ₹1.56 crore, 8 May 2017 to 23 Aug 2019Axis Bank Limited, up to ₹35.72 lakh, 15 May 2017 to 23 Aug 2019Axis Bank Limited, up to ₹85.25 lakh, 29 Jul 2017 to 5 Nov 2022HDFC Bank Limited, up to ₹7.3 crore, 4 May 2018 to still openICICI Bank Limited, up to ₹11 lakh, 30 Nov 2018 to still openICICI Bank Limited, up to ₹21.57 lakh, 17 Dec 2018 to still openICICI Bank Limited, up to ₹1.29 crore, 28 Feb 2019 to 7 Sept 2023HDFC Bank Limited, up to ₹1.84 crore, 13 Mar 2019 to still openICICI Bank Limited, up to ₹1.26 crore, 15 Mar 2019 to 7 Sept 2023Axis Bank Limited, up to ₹97.28 lakh, 25 Apr 2019 to still openICICI India Limited, up to ₹24.33 lakh, 26 Apr 2019 to 7 Sept 2023Tata Capital Financial Services Limited, up to ₹3.4 crore, 14 Jun 2019 to 5 Sept 2020ICICI Bank Limited, up to ₹1.04 crore, 17 Jun 2019 to 7 Sept 2023HDFC Bank Limited, up to ₹5.4 crore, 25 Jul 2019 to still openHDFC Bank Limited, up to ₹58.22 lakh, 31 Jul 2019 to still openICICI Bank Limited, up to ₹20.45 lakh, 29 Nov 2019 to 7 Sept 2023Axis Bank Limited, up to ₹20.49 lakh, 16 Dec 2019 to still openHDFC Bank Limited, up to ₹34 lakh, 28 Feb 2020 to still openHDFC Bank Limited, up to ₹34 lakh, 28 Feb 2020 to still openICICI India Limited, up to ₹58.27 lakh, 29 Aug 2020 to still openICICI India Limited, up to ₹1.44 crore, 22 Sept 2020 to still openSbicap Trustee Company Limited, up to ₹365.28 crore, 23 Dec 2020 to still openAxis Bank Limited, up to ₹4.18 crore, 27 Jan 2021 to still openHDFC Bank Limited, up to ₹35.08 lakh, 31 Jan 2021 to still openHDFC Bank Limited, up to ₹54.9 lakh, 31 Jan 2021 to still openICICI Bank Limited, up to ₹8.5 lakh, 25 Sept 2021 to still openICICI Bank Limited, up to ₹91.4 lakh, 25 Feb 2022 to still openHDFC Bank Limited, up to ₹45 lakh, 31 Dec 2022 to still openHDFC Bank Limited, up to ₹1.35 crore, 21 Jan 2023 to still openHDFC Bank Limited, up to ₹26.34 lakh, 13 Feb 2023 to still openHDFC Bank Limited, up to ₹68.4 lakh, 17 Apr 2023 to still openCaterpillar Financial Services India Private Limited, up to ₹1.37 crore, 18 May 2023 to still openICICI Bank Limited, up to ₹45 lakh, 30 May 2023 to 6 Jun 2026Caterpillar Financial Services India Private Limited, up to ₹30.74 lakh, 7 Jun 2023 to 15 Jul 2026ICICI Bank Limited, up to ₹16.88 lakh, 27 Jun 2023 to still openICICI Bank Limited, up to ₹26.65 lakh, 27 Jun 2023 to still openHDFC Bank Limited, up to ₹54.19 lakh, 30 Jun 2023 to still openCaterpillar Financial Services India Private Limited, up to ₹33.82 lakh, 31 Jul 2023 to 6 Aug 2026Caterpillar Financial Services India Private Limited, up to ₹68.4 lakh, 17 Aug 2023 to still openICICI Bank Limited, up to ₹3 crore, 6 Oct 2023 to still openHDFC Bank Limited, up to ₹1 crore, 21 Oct 2023 to still openICICI Bank Limited, up to ₹29.74 lakh, 13 Dec 2023 to still openICICI Bank Limited, up to ₹29.73 lakh, 21 Mar 2024 to still openHDFC Bank Limited, up to ₹2.02 crore, 19 Jun 2024 to still openHDFC Bank Limited, up to ₹57.52 lakh, 6 Jul 2024 to still openHDFC Bank Limited, up to ₹1.98 crore, 30 Sept 2024 to still openHDFC Bank Limited, up to ₹5.57 crore, 30 Oct 2024 to still openHDFC Bank Limited, up to ₹76.11 lakh, 7 Mar 2025 to still openHDFC Bank Limited, up to ₹60.35 lakh, 19 Mar 2025 to still openHDFC Bank Limited, up to ₹1.19 crore, 16 Apr 2025 to still openHDFC Bank Limited, up to ₹1.19 crore, 16 Apr 2025 to still openCaterpillar Financial Services India Private Limited, up to ₹1.48 crore, 30 Jun 2025 to still openHDFC Bank Limited, up to ₹70.43 lakh, 10 Jul 2025 to still openHDFC Bank Limited, up to ₹96.14 lakh, 10 Jul 2025 to still openHDFC Bank Limited, up to ₹1.53 crore, 25 Jul 2025 to still openICICI Bank Limited, up to ₹1.42 crore, 30 Aug 2025 to still openHDFC Bank Limited, up to ₹94.5 lakh, 23 Sept 2025 to still openCaterpillar Financial Services India Private Limited, up to ₹36.47 lakh, 27 Oct 2025 to still openCaterpillar Financial Services India Private Limited, up to ₹23.38 lakh, 28 Oct 2025 to still openCaterpillar Financial Services India Private Limited, up to ₹1.52 crore, 5 Nov 2025 to still openHDFC Bank Limited, up to ₹1.3 crore, 29 Nov 2025 to still openHDFC Bank Limited, up to ₹55.35 lakh, 19 Mar 2026 to still openHDFC Bank Limited, up to ₹2.32 crore, 30 Apr 2026 to still openPunjab National Bank, up to ₹55.2 lakh, 12 May 2026 to still openHDFC Bank Limited, up to ₹49 lakh, 2 Jun 2026 to still openHDFC Bank Limited, up to ₹60 crore, 15 Jul 2026 to still open
Loan still openLoan paid offSomeone joined, and is still there
  • 2005Registered as a company on 1 Apr 2005.
  • 2020Its biggest loan against assets, ₹365.28 crore with Sbicap Trustee Company Limited, is still open.

Who runs it

This page does not list its directors yet. Open the company in Entiva to see who runs it on MCA's register today.

Who has lent to it

₹507.85 crorein loans backed by its assets, from 8 lenders

  • Sbicap Trustee Company Limited₹365.28 crore

    Open, taken out 23 Dec 2020

  • HDFC Bank Limited₹121.8 crore

    40 open loans, taken out 2014 to 2026

  • ICICI Bank Limited₹6.77 crore

    10 open loans, taken out 2018 to 2025

  • Caterpillar Financial Services India Private Limited₹5.65 crore

    6 open loans, taken out 2023 to 2025

  • Axis Bank Limited₹5.36 crore

    3 open loans, taken out 2019 to 2021

  • ICICI India Limited₹2.02 crore

    2 open loans, taken out in 2020

  • Punjab National Bank₹55.2 lakh

    Open, taken out 12 May 2026

  • Srei Equipment Finance Limited₹40.8 lakh

    Open, taken out 8 Nov 2016

82 earlier loans, now paid off
  • Caterpillar Financial Services India Private Limited31 Jul 2023 to 6 Aug 2026₹33.82 lakh
  • Caterpillar Financial Services India Private Limited7 Jun 2023 to 15 Jul 2026₹30.74 lakh
  • ICICI Bank Limited30 May 2023 to 6 Jun 2026₹45 lakh
  • ICICI Bank Limited29 Nov 2019 to 7 Sept 2023₹20.45 lakh
  • ICICI Bank Limited17 Jun 2019 to 7 Sept 2023₹1.04 crore
  • Tata Capital Financial Services Limited14 Jun 2019 to 5 Sept 2020₹3.4 crore
  • ICICI India Limited26 Apr 2019 to 7 Sept 2023₹24.33 lakh
  • ICICI Bank Limited15 Mar 2019 to 7 Sept 2023₹1.26 crore
  • ICICI Bank Limited28 Feb 2019 to 7 Sept 2023₹1.29 crore
  • Axis Bank Limited29 Jul 2017 to 5 Nov 2022₹85.25 lakh
  • Axis Bank Limited15 May 2017 to 23 Aug 2019₹35.72 lakh
  • Axis Bank Limited8 May 2017 to 23 Aug 2019₹1.56 crore
  • ICICI Bank Limited31 Mar 2017 to 4 Nov 2022₹1.72 crore
  • ICICI Bank Limited19 Jan 2017 to 3 Feb 2021₹21.38 lakh
  • Axis Bank Limited13 Dec 2016 to 18 Jan 2021₹12.1 lakh
  • Axis Bank Limited Sme Centre Indore29 Nov 2016 to 18 Jan 2021₹20.45 lakh
  • Axis Bank Limited Sme Centre Indore29 Nov 2016 to 3 Feb 2021₹20.52 lakh
  • Axis Bank Limited Sme Centre Indore23 Nov 2016 to 18 Jan 2021₹99.05 lakh
  • Axis Bank Limited Sme Centre Indore22 Nov 2016 to 18 Jan 2021₹11.7 lakh
  • Srei Equipment Finance Limited8 Nov 2016 to 11 Nov 2022₹33.86 lakh
  • Srei Equipment Finance Limited8 Nov 2016 to 11 Nov 2022₹13.94 lakh
  • Axis Bank Limited25 Oct 2016 to 18 Jan 2021₹19.21 lakh
  • ICICI Bank Limited5 Oct 2016 to 7 Sept 2023₹1.5 crore
  • Srei Equipment Finance Limited1 Oct 2016 to 11 Nov 2022₹20.73 lakh
  • Srei Equipment Finance Limited1 Oct 2016 to 11 Nov 2022₹90 lakh
  • Srei Equipment Finance Limited1 Oct 2016 to 10 Nov 2022₹98.11 lakh
  • ICICI Bank Limited31 Aug 2016 to 3 Feb 2021₹59.85 lakh
  • ICICI Bank Limited6 May 2016 to 4 Nov 2022₹2.03 crore
  • ICICI Bank Limited17 Feb 2016 to 3 Feb 2021₹22 lakh
  • HDFC Bank Limited5 Feb 2016 to 28 Jun 2019₹1.33 crore
  • ICICI Bank Limited22 Dec 2015 to 4 Nov 2022₹34.84 lakh
  • ICICI Bank Limited27 Nov 2015 to 4 Nov 2022₹2.34 crore
  • Axis Bank Limited23 Oct 2015 to 18 Jan 2021₹5.68 lakh
  • HDFC Bank Limited9 Mar 2015 to 28 Jun 2019₹11.4 lakh
  • ICICI Bank Limited27 Oct 2014 to 3 Feb 2021₹1.43 crore
  • HDFC Bank Limited5 Oct 2013 to 28 Jun 2019₹1.56 crore
  • Axis Bank Limited26 Apr 2013 to 7 Nov 2022₹5 crore
  • HDFC Bank Limited9 Oct 2012 to 28 Jun 2019₹7.6 lakh
  • HDFC Bank Limited9 Oct 2012 to 28 Jun 2019₹14.4 lakh
  • HDFC Bank Limited9 Oct 2012 to 28 Jun 2019₹27.6 lakh
  • HDFC Bank Limited9 Oct 2012 to 28 Jun 2019₹22.4 lakh
  • HDFC Bank Limited9 Oct 2012 to 28 Jun 2019₹45.7 lakh
  • HDFC Bank Limited9 Oct 2012 to 28 Jun 2019₹16.8 lakh
  • HDFC Bank Limited9 Oct 2012 to 28 Jun 2019₹26.4 lakh
  • HDFC Bank Limited9 Oct 2012 to 28 Jun 2019₹16.4 lakh
  • ICICI Bank31 Aug 2012 to 3 Feb 2021₹8.49 lakh
  • Kotak Mahindra Bank Limited22 May 2012 to 18 May 2018₹6 crore
  • ICICI Bank Limited30 Nov 2011 to 2 Aug 2023₹2.03 crore
  • ICICI Bank Limited22 Sept 2011 to 2 Aug 2023₹33.16 lakh
  • HDFC Bank Limited5 Aug 2011 to 28 Jun 2019₹16.2 lakh
  • Srei Equipment Finance Private Limited5 Jun 2011 to 27 Jul 2016₹41.85 lakh
  • HDFC Bank Limited31 May 2011 to 28 Jun 2019₹13.4 lakh
  • HDFC Bank Limited31 May 2011 to 28 Jun 2019₹15.2 lakh
  • Kotak Mahindra Bank Limited8 Apr 2011 to 18 May 2018₹4.1 crore
  • ICICI Bank Limited31 Dec 2010 to 2 Jul 2018₹45.4 lakh
  • Srei Equipment Finance Private Limited15 Nov 2010 to 27 Jul 2016₹1.97 crore
  • Srei Equipment Finance Private Limited15 Nov 2010 to 27 Jul 2016₹41.51 lakh
  • Srei Equipment Finance Private Limited15 Nov 2010 to 27 Jul 2016₹44.85 lakh
  • Srei Equipment Finance Private Limited15 Nov 2010 to 27 Jul 2016₹23.85 lakh
  • Srei Equipment Finance Private Limited15 Nov 2010 to 27 Jul 2016₹79 lakh
  • HDFC Bank Limited26 Jun 2010 to 11 Jun 2013₹21.1 lakh
  • State Bank of India7 May 2010 to 6 Mar 2021₹149.58 crore
  • Kotak Mahindra Bank Limited10 Mar 2010 to 3 May 2013₹77.82 lakh
  • HDFC Bank Limited4 Oct 2008 to 13 Jun 2018₹37.18 lakh
  • HDFC Bank Limited4 Oct 2008 to 13 Jun 2018₹52.5 lakh
  • HDFC Bank Limited4 Oct 2008 to 13 Jun 2018₹29.75 lakh
  • HDFC Bank Limited3 Oct 2008 to 13 Jun 2018₹71.5 lakh
  • HDFC Bank Limited3 Oct 2008 to 13 Jun 2018₹50.76 lakh
  • Oriental Bank of Commerce6 Aug 2008 to 25 Mar 2011₹7.45 crore
  • HDFC Bank Limited1 Aug 2008 to 13 Jun 2018₹23.5 lakh
  • Reliance Capital Limited4 Mar 2008 to 10 Dec 2012₹15.53 lakh
  • HDFC Bank Limited4 May 2007 to 8 May 2018₹18 lakh
  • Oriental Bank of Commerce14 Mar 2007 to 25 Mar 2011₹3.15 crore
  • ICICI Bank Limited27 Jan 2007 to 14 Jun 2018₹62.09 lakh
  • ICICI Bank Limited18 Jan 2007 to 31 May 2013₹17.15 lakh
  • Citi Corp Finance India Ltd.28 Jun 2006 to 6 May 2013₹14.76 lakh
  • Kotak Mahindra Bank Limited9 Jun 2006 to 3 May 2013₹16.85 lakh
  • ICICI Bank Limited18 Nov 2005 to 14 Jun 2018₹19 lakh
  • Oriental Bank of Commerce18 Oct 2005 to 28 May 2018₹10 crore
  • Oriental Bank of Commerce18 Oct 2005 to 25 Mar 2011₹7.75 crore
  • HDFC Bank House29 Jun 2005 to 31 May 2013₹8.43 lakh
  • HDFC Bank House24 May 2005 to 31 May 2013₹8.71 lakh

What its filings add

B.R.Goyal Infrastructure files these with the registrar. Entiva fetches and reads them for you.

  • Every year · AOC-4

    Revenue, profit and the balance sheet

    Its financial statements, year by year.

  • Every year · MGT-7

    Who owns it

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  • Each loan · CHG-1

    Each loan in detail

    The terms, and which assets back each loan.

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The details on this page come from public records, including MCA's register of companies as Entiva read it on . Things may have changed since. A loan amount is the most the lender can claim against the company's assets, not what is still owed.