Two years ago, Vilas Yelmar took out a Rs 2-lakh bank loan to develop a small grape orchard in a dusty hamlet southeast of Mumbai.
The bank has repeatedly asked for the loan to be repaid, but Yelmar, whose annual income has risen to Rs 20 lakhs, has spent the money on a new sport utility vehicle and a lavish family wedding.
He is one of an increasing number of 'wilful' defaulters in an India where banks are under government pressure to lend to farmers.
Two-thirds of the population depend on agriculture for their livelihood and, to boost productivity - annual agricultural growth is just 3 percent - India has this year raised the farm lending target for banks by a fifth to more than $100 billion (Rs 5,75,000 crore).
Text: Swati Pandey and Rajendra Jadhav, Reuters
Image: Farm labourers prune grapevines in an orchard at Supali village, around 350 km (217 miles) southeast of Mumbai.
AP, Reuters Images