How did Subhash Chandra's personal guarantee for ₹170-cr loan lead to ₹22,006-cr dues?

Subhash Chandra's insolvency case originated from a ₹170-crore loan given by Indiabulls Housing Finance to Vivek Infracon, for which Chandra gave a personal guarantee. After Vivek Infracon defaulted on the loan, Indiabulls approached NCLT, following which creditors filed claims totalling ₹22,006.57 crore. After 80% creditors voted in favour of Chandra, NCLT approved just ₹6.5-crore repayment plan.