Bareilly: District consumer court here on Saturday directed a bank to extend the benefit of loan waiver scheme to a farmer, who didn’t get it about ten years ago. Farmer Vinod Kumar was deprived of the Centre’s loan waiver scheme in 2008 because the UP Gramin Bank had transferred the money from another account to his Kisan Credit Card (KCC) without his consent in 2007.After making several correspondences with the bank, the aggrieved farmer finally knocked at consumer forum’s door in 2011.The farmer said in his plea that he had borrowed Rs 75,000 as agriculture loan from the bank on his KCC on February 2005. In March 2005, he borrowed Rs 2 lakh from the same bank against Suvidha Card (Unnat Krishi Card) to buy a tractor.The agriculture loan was to be paid within one year with an interest of 10% per annum, while the tractor loan was repayable in half yearly installments of Rs 20,000. But, due to crop damage, he couldn’t repay his agriculture loan amount in time.The farmer said that on February 1, 2007, he deposited Rs 90,850 in his Suvidha Card but the bank deposited that money in KCC without his consent. In 2008, the then UPA government announced farmer’s loan waiver scheme under which those loans were covered which had been disbursed till March 31, 2007.After hearing both the sides, the court found the farmer eligible to get the benefit of loan waiver scheme.Meanwhile, the bank’s advocate Dev Prakash Arya said, “We are not satisfied with this judgement and will definitely move to state consumer forum against this judgement.”

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