The Loan

“Sir…”

“Go away you fool. I cannot do anything for you. Who let you in?” the bank manager shouted at the man in rags standing before him.

“I need the money very badly sir. Just ten thousand rupees” the man named Kumar begged, tears welling up in his eyes.

“You are standing in ARD Bank. Do you have any idea how big this bank is? If I agree to give a worthless person like you a loan, then every mongrel on the street will walk in asking for money. Go find some local seth and pester him.”

“Sir please, just this once. My family is in a very bad state… I…” Kumar looked at the manager with the look of a downtrodden man etched all over his face.

“Security…” shouted the bank manager.

“Sir… no need to force me out. I will leave.” Kumar walked out slowly, his head hung in disappointment.

When he reached his slum, he was welcomed to a great celebration. His neighbours and the children were dancing with quite a lot of energy. Even the dogs roaming around in the slum were having a good time enjoying the pieces of meat thrown to them by the slum people.

Even with a lot of sadness in heart, the scene he was witnessing made Kumar wonder what could have happened. Shanta, his wife, came running toward him.

“You won the 10 lakh lottery” she said, happiness spreading to every part of her face.

Kumar could not believe what he has just heard. This could not be true. Was this a joke?

When Shanta realized her husband’s disbelief, she showed him the newspaper that she had brought along to show him, and the ticket.

Kumar looked at the ticket and the winning number. He was stunned into silence for the next few seconds.

One year later…

Kumar was sitting in the verandah of his bungalow. A cool breeze was blowing over his face.

He silently recollected how his life had changed in the past few months.

He had used his prize money to start a small hotel named after his wife. His hard life had made him wise enough to treat his customers well, making a good number of them loyal. His hotel became very popular and his business grew greatly. He opened many new braches around the city.

He was brought back to his senses as he felt something vibrating in his shirt pocket. Then he heard a ring. He put a hand into his pocket and took out his brand new mobile phone. He looked at the number in the display. He could not recognise who it was.

“Hello”

A smart–sounding lady voice started speaking at the other end.
“Good morning Sir. I am calling from ARD Bank. We would like to know if you are interested in taking a home loan from us. We have low interest rates and…”

“Sorry, but I am not interested right now” Kumar said politely.

“Alright sir. Thank…” before the lady finished her sentence Kumar cut the line.

As he placed his phone back into his pocket, Kumar let out a silent laugh thinking of what had just happened.

The Loan

“Sir…”

“Go away you fool. I cannot do anything for you. Who let you in?” the bank manager shouted at the man in rags standing before him.

“I need the money very badly sir. Just ten thousand rupees” the man named Kumar begged, tears welling up in his eyes.

“You are standing in ARD Bank. Do you have any idea how big this bank is? If I agree to give a worthless person like you a loan, then every mongrel on the street will walk in asking for money. Go find some local seth and pester him.”

“Sir please, just this once. My family is in a very bad state… I…” Kumar looked at the manager with the look of a downtrodden man etched all over his face.

“Security…” shouted the bank manager.

“Sir… no need to force me out. I will leave.” Kumar walked out slowly, his head hung in disappointment.

When he reached his slum, he was welcomed to a great celebration. His neighbours and the children were dancing with quite a lot of energy. Even the dogs roaming around in the slum were having a good time enjoying the pieces of meat thrown to them by the slum people.

Even with a lot of sadness in heart, the scene he was witnessing made Kumar wonder what could have happened. Shanta, his wife, came running toward him.

“You won the 10 lakh lottery” she said, happiness spreading to every part of her face.

Kumar could not believe what he has just heard. This could not be true. Was this a joke?

When Shanta realized her husband’s disbelief, she showed him the newspaper that she had brought along to show him, and the ticket.

Kumar looked at the ticket and the winning number. He was stunned into silence for the next few seconds.

One year later…

Kumar was sitting in the verandah of his bungalow. A cool breeze was blowing over his face.

He silently recollected how his life had changed in the past few months.

He had used his prize money to start a small hotel named after his wife. His hard life had made him wise enough to treat his customers well, making a good number of them loyal. His hotel became very popular and his business grew greatly. He opened many new braches around the city.

He was brought back to his senses as he felt something vibrating in his shirt pocket. Then he heard a ring. He put a hand into his pocket and took out his brand new mobile phone. He looked at the number in the display. He could not recognise who it was.

“Hello”

A smart–sounding lady voice started speaking at the other end.
“Good morning Sir. I am calling from ARD Bank. We would like to know if you are interested in taking a home loan from us. We have low interest rates and…”

“Sorry, but I am not interested right now” Kumar said politely.

“Alright sir. Thank…” before the lady finished her sentence Kumar cut the line.

As he placed his phone back into his pocket, Kumar let out a silent laugh thinking of what had just happened.