Dilaraj Pant of Belauri Municipality-10 Bhuda took a loan of Rs. After repaying the loan in three years, he tried to keep the same land in the bank after two years. But none of the banks agreed to give a loan for the land in the border area. "Sometime you can mortgage the same land and sometimes you can't, what kind of rule is this?" said Pant.

Now, even though the opening of banks in local centers has increased, those who have land near the Nepal-India border like Pant have not yet benefited. Top Bahadur Chand of Bhuda faced the same problem when he tried to send his son abroad 5 years ago. Banks refused to mortgage his half a bigha of land attached to Dasgaja. About 1 million was needed to send my son abroad. When there was no other way, the land was sold cheaply. 

There are border disputes in Bhuda region from time to time. Due to this dispute, even those who have spare parts do not get loans with mortgages. There are more than a dozen border disputes in Kanchanpur. When the bank refuses to give a loan, there is a compulsion to go to a local cooperative that has to pay high interest even for small amounts. 

Belauri municipality-10 There is a small break in Chaudhar river in the middle of Bhuda. Nepal to the east and India to the west. In some places there are border pillars in the river and in some places around it. A separate limit has been set for lending in border areas. Banks have fixed the range of loans from 200 meters to 1 km above the location of this boundary pillar. In some cases, the border disputes have been determined on the basis of internal evaluation. 

Pankaj Bhatt, branch manager of Nabil Bank in Belauri, said that they do not mortgage land up to 500 meters. He said that in the area where there is a border dispute, the land will not be mortgaged for more than this distance. "Banks have internal instructions and procedures, they can only give mortgages after assessing the risk," he said, "Even if there is no risk within 500 meters, mortgages are not given." 

Tikaram Budha, branch manager of Rashtriya Commercial Bank in Belauri, also said that they do not take mortgages from 500 meters to 2 kilometers. According to him, the appraiser can reject the mortgage after determining the risk. Bank-registered private consultancies do mortgage valuations. Nepal Bank has stated that it is not allowed to hold mortgages from 100 meters to 200 meters. Apart from this, the branch manager of Nepal Bank Mahendranagar, Maheshraj Joshi, said that looking at the situation of disputes and risks, even 500 to 1 km cannot be mortgaged. 

Not only in Belauri area but also residents of other areas have not got loans by mortgaging land in the border area. From Bhimadat Municipality-9 Brahmadev, passing through Gaddachouki to Dodhara Chandni Municipality, Beldadi Rural Municipality, Belauri and Dokebazar of Punarwas Municipality, 129.5 km border is connected with India. But banks do not give loans against the disputed land as well as the other land. Around 5,000 families in 12 wards of 5 local levels connected to the border area are affected by this problem. 

Generally, river and riverbanks and ravines, no roads, difficult to sell, legal hurdles, up to 6 months of registration, 2 years of cash register, 3 months of shareholding and land acquired by the government cannot be mortgaged. But the banks are afraid to mortgage even the land in the area where there is no boundary dispute because of the risk. 

Nepal Rastra Bank has not determined any limit regarding the mortgage of land connected to Dasgaja. Assistant Information Officer of Rashtra Bank Dr. Bhagwat Acharya said that no procedure will stop them from keeping land mortgages connected to Dasgaja. People living in border areas are facing many problems not only debt. 

Even now, the Indian Border Security Force (SSB) does not allow mining on the land of Lalpurja, stops the movement and enters the village with weapons. In 2076, the border dispute escalated after the strip was measured according to the map. According to the map, some Nepali territories connected with Dasgaja seem to belong to India, so the SSB is obstructing at places. 

According to the strip map from 2076, when the joint survey team measured it, it was seen that the canal of the Mahakali irrigation project in Belauri and Beldadi area is in India. When the joint team tried to place the pillar on the bank of the canal, the surveying work was stopped due to a dispute. Locals obstructed the survey team after it was seen that the land with Lalpurja in the resettlement and Belauri area was going towards India. Since then there has been no measurement. "Even now, talking about the strip map, SSB has been giving trouble many times," Dan Bahadur Sunar of Punarwas-6 said, "SSB does not even allow people to walk on the old road." 

According to Damodar Dhakal, information officer of the survey department, in 2045 it was decided to implement the fixed border principle between Nepal and India. Before that, the river is considered as the border in most places. "But the river bank sometimes moves here and there, so the border can also move here and there," he said He informed that the border will be determined at that place. In 2018, the joint team started the survey work. He said that the survey was stopped due to local protests and corona infection. 

After the joint team placed the border pillar in Jhilmila of Beldandi, the locals vandalized the pillar along with the barrier. After that, the residents of the border area formed a border concern group and met the then Prime Minister KP Sharma Oli, Chairman of Maoist Pushpa Kamal Dahal and Congress President Sher Bahadur Deuba demanding cancellation of the strip map. "The survey was stopped after meeting the Prime Minister and informing him of the situation," said Pallavaraj Bhatt, the coordinator of the Border Concerns Group.