The petitioners are stated to be the

legal heirs of deceased Sri.P.Balakrishnan,

who had availed of a loan of Rs.3 lakhs in

the year 2011 from the 4^th respondent Bank.

They

say

that

Sri.

P.Balakrishnan

unfortunately died on 07.06.2013 and

therefore, that he is entitled to the

benefits under the 'Kerala Risk fund Scheme

2008', thus causing substantial portions of

the loan to be written off under its mandate.

Their grievance in this writ petition is that

the respondent Bank did not do so and

therefore, that the 2^nd respondent-Kerala Co-

operative Development Welfare Board be

directed to consider their entitlement under

WP(C).No. 38030 of 2018 4

the scheme and take appropriate action.

2. I notice that a counter affidavit has

been filed on behalf of the 2^nd respondent-

Welfare Fund Board, wherein they say that the

aforementioned Sri.P.Balakrishnan is not

entitled to the benefits under the Scheme

because the terms of the said Scheme would

become applicable only in the case of lions,

the period of which will be over before the

borrower attains 65 years of age. They say

that in the case at hand, the loan taken by

deceased Sri.P.Balakrishnan on 16.12.2011 and

that the pe