Sixty-one-year-old Md Rafick Mallick, a farmer from Shaktigarh village in Burdwan district, known as the rice bowl of West Bengal, is a defaulter. Unable to repay his Rs. 1.5-lakh loan taken for sowing potato in 2016-17 as the price of the tuber crashed due to excess production Mallick, who grows paddy followed by potato on his 38 bighas (15.24 acres) of land, not only lost out on the five per cent interest subvention but also had to fall back on moneylenders to harvest kharif paddy this year. This delayed harvesting of his early variety paddy affecting the quality of produce, and leaving him distressed.