For urgent cash, the real cost is not in the interest rate, but in losing your peace of mind. The moneylender's visit to your shop feels like a shadow, and the gold loan means parting with your wife's 'mangalasutra' under the glare of a neon light. Only the KCC, with its proper passbook, lets you sleep at night, even if the bank manager makes you wait 'bahala'. I learned this when my neighbour Basava lost his coconut grove over a debt that grew like a weed in the rain.
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