FCNR(B) program bought India 3-5 years, but $170 billion repayment cliff looms: Uday Kotek Uday Kotek described India's $130 billion FCNR(B) drawdown as a "strong insurance policy" against global shocks, but warned that repayments including interest could reach $160-170 billion over the next three to five years. According to him, the buffer gives India time to strengthen its economy, but should not replace structural reforms, investment in technology and efforts to improve domestic competitiveness.