Sometime in 2015, news of unsustainable bad debts in the Indian banking sector started to first trickle out, and then became a flood. In the forefront were some of India's largest government banks, and a series of tycoons who were running their empires on unpaid debts. The banks' problems landed on the table of Urjit Patel when he became Governor of the Reserve Bank of India in September 2016. Based on thirty years of macroeconomic experience, he worked out the nine 'Rs' which would save our savings, rescue our banks and protect them from unscrupulous racketeers. In Overdraft, he explains the problem and how it blew up - and how it could have been solved if he had not been stopped from completing the task.