IN THE HIGH COURT OF KERALA AT ERNAKULAM PRESENT : THE HONOURABLE MR. JUSTICE K.SURENDRA MOHAN WEDNESDAY, THE 17TH FEBRUARY 2010 / 28TH MAGHA 1931 WP(C).No. 5162 of 2010(U) -------------------------------------- PETITIONER(S): ------------------------ K.V.KUNJUMON, S/O.MOIDUNNI, KOTTARAMPATTIL HOUSE, AGALI VILLAGE, PALAKKAD. BY ADV. MR.T.G.RAJENDRAN RESPONDENT(S): -------------------------- 1. THE JOINT REGISTRAR OF CO-OP. SOCIETIES, PALAKKAD. 2. MANNARKKAD CO-OP. AGRICULTURAL AND RURAL DEVELOPMENT BANK LTD., MANNARKKAD, PALAKKAD. BY GOVT. PLEADER MR.K.C.SANTHOSHKUMAR THIS WRIT PETITION (CIVIL) HAVING COME UP FOR ADMISSION ON 17/02/2010, THE COURT ON THE SAME DAY DELIVERED THE FOLLOWING: K.SURENDRA MOHAN, J. ------------------------------------------- W.P.(C) No.5162 of 2010 ------------------------------------------- Dated this the 17th day of February, 2010 JUDGMENT The petitioner is an agriculturist and the owner in possession of 1.19 acres of agricultural land. His wife Amina is having 6.32 acres of agricultural land. The petitioner had availed two agricultural loans of Rs.3,08,000/- and Rs.1,45,000/- as per loan account No.3984 in the year 1997. Utilizing the said amount, the petitioner had cultivated his land with arecanut, coffee, pepper, plantain etc. However, due to failure of crops, he alleges that he has suffered losses. 2. In spite of his personal difficulties, the petitioner was paying the amounts that were due to the bank, to the best of his ability. Thus, according to the petitioner, the major portion of the loan amount has been repaid by him. The bank has by Ext.P2 letter informed the petitioner that he was entitled to the benefit of Ext.P1 scheme that has been introduced by the Central Government for helping farmers like the petitioner. According to the petitioner, as per the terms of Ext.P1, he is entitled to waiver of the entire amount outstanding in his loan account. But, as per Ext.P2, the petitioner has been treated as a person wpc No.5162/2010 2 coming within the category of 'other farmers'. Therefore, he has been granted only a rebate of 25%. The petitioner challenges the said proceedings as unsustainable in law and fact. 3. As per clause-10.2 of Ext.P1, the grievances of persons like the petitioner regarding denial of the concessions introduced by Ext.P1 are to be considered and decided by the Grievances Redressal Officer designated under the said scheme. The petitioner has not approached the said authority for the redressal of his grievances. 4. In the above circumstances, this Writ Petition is disposed of directing the petitioner to approach the Grievance Redressal Officer of the second respondent by submitting a suitable representation setting out his grievances, within a period of two weeks from today. If such a petition is submitted, the second respondent shall consider the same and pass orders thereon in accordance with law, expeditiously. K.SURENDRA MOHAN, JUDGE css/