As the first prize prize winner of Kerala lottery "Dhanasree", though he is credible for Rs.75 Lakh there will be a deduction of 10% as the commission for the Kerala Lottery Agency and another deduction of 30% as the Income tax TDS. This may sum up to Rs.47,25,000 lump sum. If he had purchased the tickets with delivery challan, he may claim the Kerala Lottery Commission from his Agent.
Anyway the winning of first prize of this Kerala lottery will be great relief for him. He can pay off his debt to Bank and continue his treatment.