That loan date can always be negotiated further. Your loan is also 500 Bil+. Besides those soft loans they have also started investments.
Can u share how much of that 500 billion is sovereign debt and how much of it is private debt.
I am sure you don't have any Idea
The sovereign part is only around 70 billion USD rest is all corporate debt
And Indian Government is not responsible for it.
Let be give an example
ADAG group owes 4 billion USD to Chinese EXIM bank apart from another 15 billion USD to different Indian Banks
Their is a high chance that this group will go bust,
But it has assets worth 18 billion USD which it is liquidating to pay off the debt
If it cannot pay back the Chinese , then Chinese EXIM bank is free to go to Indian Bankruptcy courts to get their money, it however cannot ask the RBI to directly give 4 Billion USD to them
That's not the case with JICA of Japan which is financing the Bullet train project as well as different Metro rail projects across India , since these projects are backed by Government of India