After taking multiple economic hits in his household, Gurvinder Singh, a 47-year-old farmer in Gurdaspur, in India’s Punjab state, took a million-rupee loan ($11,000) from a private lender to marry off his eldest daughter. He saved a portion of that and used it to sow 3 acres (1.2 hectares) of paddy.

He placed his bet on the high-yielding pearl variety of aromatic Basmati rice. A good sale would have given him an earning of nearly 1 million rupees per acre ($11,400 per 0.4 hectares).

But now, Singh’s pearl paddy grains lie submerged in floodwater, buried under layers of soil and sediment.

“I cannot afford this shocking flood at this time in my life. We are ruined,” Singh told Al Jazeera. “This year’s harvest was supposed to cover our debts. But this field is a lake now, and I don’t know

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