The real annual cost is the weight of a small jewellery box in your hand. The moneylender's interest is not just a percentage, it is your amma's mangalasutram in an auction. The gold loan's papers are dry, but the loss is a family memory you cannot reclaim. For me, the Kisan Credit Card's low rate is a number on paper, but it arrived too late—my lesson was already learned holding that empty box.
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