India, Oct. 18 -- More than a year after the Chooralmala, Mundakkai and Punchirimattom mountains of Wayanad district in Kerala came crashing down, the nationalised banks of India have not stopped sending reminders.

The envelopes keep arriving at government-arranged rented houses and relatives' homes where the survivors of the July 30, 2024 landslides now live. Neatly addressed, machine-printed, they carry the same impersonal warning: "Final notice for loan repayment."

Some are addressed to the dead. Others to families that lost everything in the avalanches of mud and stone that wiped out Chooralmala and Mundakkai.

The disaster claimed more than 250 lives and erased three entire hamlets from the map of Kerala's high ranges. It also expo...