Residents of Jaigaon under District Alipuduar West Bengal are facing double the impact of the pandemic than the rest due to Jaigaons over dependency on Bhutan our close neighboring country which is completely inaccessible due to the gates being closed since the first lockdown. All businesses has been heavily impacted and most of the shops and residential complexes (income sources of many) are shut, people working in Bhutan accross the border has lost their jobs and are now totally deprived off any income, in order to be able to pay the loans back we need to have income which is a known fact and when there is no income at all the loan repayment comes as an impending gruesome burden to us, due to which we have no options with us than to ask for special intervention and customized arrangement considering the local condition of Jaigaon market which is clearly known to all of the local bank branches here and thereby grant us a loan deferment till Bhutan gates reopen and businesses resume as usual.