Hit by years of drought, 70-year-old Kalyan Singh saw the first decent crop in years in the last Kharif season. He made some money but not enough to repay his 49,000 farm loan taken three years ago. And then, the Yogi Adityanath government's announcement to waive the crop loans came. "I heard on TV that 1 lakh rupee loans will be waived," the small farmer in Bundelkhand's Mahoba district said. That was more than 60 days ago.