I started my business 16years ago with almost nothing. I had no money, no family backing, no "contacts" anywhere. I borrowed money from my wife who was working a govt job back then to land my first contract of Rs.3000. It was just me and 2 employees that I managed to hire. From that day to August 2014 was an uphill climb as I turned that Rs.3000 contract to Rs. 1.3CR per annum. I had a monthly profit of approximately Rs.6.25 lakhs after expenses and I knew at that point, if I wanted the business to grow, I needed to invest more money in it. I put in all my savings and took a loan against my fixed assets to help provide my business the fuel it needed to grow even bigger. The first year was amazing. I managed to bring my turnover up to Rs.2cr PA. I was happy. I was able to grow my business and pay my installments on time and everything looked great. Right until Demo 2016.

When you have a business this big, you have to keep greasing a few palms along the way to make sure everything works as it is. Make no mistake, all my income was 100% legal. But you have to keep giving haftas to make sure you can keep running your business. The day 500 and 1000 were demonitised, everything started to change. I had no cash on hand. No black money stashed away in my house or in my bed or sofa. Banks weren't giving out even 10% of the cash I needed to give people. And that is where the problems started. I ended up falling behind on my haftas. My business started stuttering due to that. Started having issues with the operations and that resulted in not getting my payments on time which only compounded the issue. Slowly slowly the payments grinded to a halt by March 2017. I had no money by then. Everything I had was used up to push things right until then.

I managed to sell my wifes jewellery and even borrow money from private lenders in the following months to try to get things moving and money flowing. But that still wasn't enough to make a difference. I ended up having to default on my EMI payments to the bank and the situation went from bad to worse. Bank's recovery people started showing up on my door step everyday hounding me and my family for money. They refused to leave our house on somedays and on others they humiliated me in front of my family for being a liar and how they owned my house because it was mortgaged to them. To add to this, the private lenders started coming in threatening me and my family for money. Somehow I managed to borrow money from my relatives and neighbours to try to get things moving again, but GST happened. My whole business went downhill after that. Business suffered, payments got held up citing different issues with the change in the system which almost never made any sense. I went from earning in lakhs to earning zero in a matter of months. Just last month, the bank finally issued a public notice in the local newspapers under the SARFAESI ACT 2002.

I have been trying to sell my property since the past 2 months, however, thanks to demo and RERA, it has become under valued and I am unable to find a buyer that will give me the actual fair value of what the land should be. I cannot afford to sell it at a loss. Neither can I prevent the bank from seizing it anymore. The price I am being offered today is 40% less than what I had it valued for in 2014.

This sub gives NPAs so much hate. But nobody tries to see that nobody ever wants to be an NPA. Circumstances beyond your control push you in that direction.

I understand that profits and losses are a part of business. But when your whole life goes from 100 to 0 in a matter of months just because some guy in his high chair thought he was doing the right thing, that is when you realise how powerless and insignificant you actually are. We are ants to these guys. They will keep doing what they want and there isn't a damn thing we can do about it anymore.

I know everything I said won't make a difference anywhere. But I need to show the people who still keep defending Modi how he has ruined a perfectly good life of a person who's biggest mistake was thinking he could run a business and give his family a good life.

Yes, I don't matter in the grand scheme of things. But if you only lived through even a day of what I have been facing in the past few months, your stance would be significantly different.

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