Umesh Dubey, a resident of Karad village of Bilaspur district, is again preparing to take loans for farming.
Last year, he had borrowed a loan of Rs 3 lakh from the Bank of Baroda for seed-manure and pesticide. When the state government announced the farmers' short-term debt in December last year, they felt that this year the work will be done for the first time without a loan.
But when he reached the bank, he came to know that his debt was not forgiven and in turn he was declared a defaulter.
Umesh Dubey says, "The government got reliance on this government, before the election the Congress had promised to forgive all the farmers' debt." After that the government was formed, then the matter got stuck on short-term debt and now the promise to give it Not even completed. "
Umesh Dubey says that his bank has clearly refrained from giving new loans. Apart from taking loans on heavy interest from the market now, they have no choice.
Dubey is not alone. The condition of thousands of farmers sitting in hopes of a debt waiver in Chhattisgarh is similar to that of Umesh Dubey.
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Farmers in difficult
In Chhattisgarh, the Congress Party Government has come to the farmers for seven months of declaration of debt waiver, but the farmers are disturbed in different parts of the state.
The rainy season has started. Preparations are on to set up paddy fields but many banks have refused to lend the farmers for the seeds and manure. The condition is that many cooperative banks in the state have also raised their hands.
Banks say that till the State Government does not deposit the full amount to the banks, the loans already levied can not be given to newcomers.
"By today's date, only 55 percent of the amount of agricultural credit has been deposited by the government, we are only paying new loans to those farmers," said MN Perida, Regional Manager of State Bank of India, Bilaspur. , Who have limit. "
Although the state agriculture minister Ravindra Choubey claims that barely 2-3 percent of the farmers will be in the state, their short-term debt waiver process will remain the same.
Ravindra Choubey said, "The effect of the debt waiver is visible on all sides.The farmers are full of enthusiasm in farming and creating new houses, preparing for the marriage of children, Boom in the automobile sector. It seems that the farmers are buying motorcycles, for the first time in the last 50 years the farmer is so happy. "
But former state Chief Minister Raman Singh has his figures.
Raman Singh claims that only 62 percent of the total loan of cooperative banks, rural banks and nationalized banks has been waived of Rs 12,468 crore.
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In fact, in Chhattisgarh, the Congress Party had promised to forgive farmers' debt within 10 days of their declaration of formation of government in the state.
Within a few hours of taking oath in December last year, Chief Minister Bhupesh Baghel has issued orders for the farmers to waive short-term agricultural credit. The government claimed that more than 16 lakh farmers of the state would be discharged from the debt of Rs. 6100 crores on this decision.
But in the realm of debt waiver, only those farmers who had borrowed from cooperative banks or Chhattisgarh rural banks.
After this, when the Opposition parties started protesting, the government has set up 21 nationalized banks – State Bank of India, Allahabad Bank, Andhra Bank, Bank of Baroda, Bank of India, IDBI, Bank of Maharashtra, Central Bank of India, Canara Bank, Corporation Bank, Indian Bank, Indian Overseas Bank, Oriental Bank of Commerce, Punjab and Sind Bank, Syndicate Bank, UCO Bank, Union Bank, United Bank, Dena Baik and V Or Bank also announced a pardon for short-term agricultural loans.
State Agriculture Minister Ravindra Choubey says, "We have only talked about waiving short-term agricultural credit. Secondly, we have not talked about the debt of private banks, except for 21 nationalized banks, the third is that the cooperative The banks, which give loans per acre, will be from the nationalized banks. "
But unlike the Agriculture Minister's claim, Amit Jogi of the Janata Congress, Chhattisgarh, says that even six months after the announcement of the state government the farmers' difficulties have not been reduced.
According to Jogi, till June, Apex Bank, who operated 7 district cooperative central banks in Chhattisgarh, was not given any money to forgive the short-term debt of 2,78,652 registered farmers of Rs 4047 crore.
He claimed that after writing 9 papers in 6 months to forgive short-term debt of 48,000 farmers in 4 districts- Mungeli, Bilaspur, Janjgir-Champa and Korba, 246.91 crores coming under Chhattisgarh's largest district co-operative central bank Bilaspur The government did not even give a crystal.
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We also talked to some nationalized bank officials. They said that the amount received by the government is half incomplete. This is the reason that the loan amount is still in the account of the farmers.
According to the documents available to us, the state government had announced to waive off Rs. 5260.15 crores of 13.46 lakh farmers who took loans from cooperative banks in December last year.
In addition to claiming 1208.33 crore for the 1.79 lakh farmers who took loan from Chhattisgarh Rural Bank, 1208.33 crore was waived. But according to the statistics, only Rs 701.11 crore was spent in the accounts of the farmers and the government did not give the remaining amount to the banks.
In the same way, 2.72 lakh farmers, who took loans from 21 public sector banks, had been waived off debts of Rs 2441.25 crore but till June 15, the farmers did not deposit their accounts.
Later, the government paid only Rs 899.21 crore to the banks and did not give Rs 1542.04 crore to the banks.
The crisis took place that Chhattisgarh rural banks and public sector commercial banks deposited half-incomplete amounts from the government to the farmers' accounts proportionally. That is, in the account of the farmers, half-incomplete amount was deposited and the farmer remained a debtor of the bank.
Bikram's BJP leader and district vice president Vikram Singh says, "I had taken a short-term loan of 11 lakh 90 thousand rupees." So far, only 1.35 lakh rupees have been deposited by the government in the bank, and the bank declared it a defaulter. Bhupesh Baghel said that the government has cheated a lot from the farmers.
Though Anand Mishra, the farmer leader from Chhattisgarh, who is engaged in cultivation and farming in Giddha village of Mungeli district, says that the government's decision of the debt waiver of farmers is historic. According to Anand Mishra, the debt waiver in cooperative banks is fine but the government should pay attention to nationalized banks.
They say, "If the government promises to repay the loan amount to the banks at the state level, the farmers at the grassroots level will be free from the problem of debt."
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