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(f) That the cost of the litigation may also be awarded to the petitioner.

Brief facts giving rise to this D.B.CIVIL WRIT PETITION NO.3871/2001 Smt.Harwinder Kaur Vs. The State Bank of India & Ors. petition are that the petitioner took loan of Rs.1,65,000/- from the respondent-Bank on 12.03.1996 for purchasing a tractor. When the petitioner failed to repay the loan as per terms and conditions of the loan agreement, the respondent-Bank moved an application on 21.08.2000 for recovery of loan amount before the Sub-Divisional Officer, Raisinghnagar (for short 'the SDO' hereinafter) under section 13 of the Rajasthan Agricultural Credit Operations (Removal of Difficulties) Act, 1974 (for short 'the Act of 1974' hereinafter). The SDO had issued notice of the application moved by the respondent-Bank to the petitioner, however, despite due service, the petitioner failed to respond to the said notice and, therefore, exparte proceedings were initiated against her. The SDO had directed to issue attach warrant and in pursuance thereof, the tractor in question was attached and put to auction. Ultimately, the tractor was auctioned at the price of Rs.70,000/-. However, when the whole due amount was not recovered from the said auction of the tractor, another notice dated D.B.CIVIL WRIT PETITION NO.3871/2001 Smt.Harwinder Kaur Vs. The State Bank of India & Ors. 16.07.2001 was issued to the petitioner, asking her to deposit an amount of Rs.1,60,713/- by 31.07.2001. Being aggrieved with the same, the petitioner has preferred this writ petition, while praying for aforesaid reliefs.

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institutional credit agencies too through a separate legislation. The proposed bill is therefore being enacted to enable commercial banks and other institutional credit agencies to serve expeditiously as an effective instrument of national policy."

The Act of 1974 has undergone certain important amendments under the Rajasthan Agricultural Credit Operations (Removal of Difficulties) Amendment Act, 1985 with additional statement of objects and reasons which reads as follows:

"In order to facilitate adequate flow of credit by commercial banks to the agriculturists, Rajasthan Agricultural Credit Operation (Removal of Difficulties) Act, 1974 was enacted by the State Legislature on the basis of recommendations of the Talwar Committee constituted by the Central Government. In the definitions of terms "Agriculture" and "Agriculturist", as given in clauses (a) and (b) of sec. 2 of the said Act, landless labourers and rural artisans have been included on account of which a difficulty is being faced in getting the loans sanctioned to these categories of persons. There is also no provision at present in Sec. 13 D.B.CIVIL WRIT PETITION NO.3871/2001 Smt.Harwinder Kaur Vs. The State Bank of India & Ors.

D.B.CIVIL WRIT PETITION NO.3871/2001 Smt.Harwinder Kaur Vs. The State Bank of India & Ors. While exercising the powers as conferred by Section 30 of the Act of 1974, the State Government has framed Rajasthan Agricultural Credit Operations (Removal of Difficulties) Rules, 1976 (for short 'the Rules of 1976').