She had reached Kollam to accompany her sister after her daughters marriage from Mumbai. She was on a travel to Kottiyam to visit her her friend. As she was waiting for the bus at Kollam K.S.R.T.C bus stand, a Kerala lottery re-seller who seem to be a poor man by the style of dressing approached
her to sell Karunya Lottery of that week. Though Loretta refused to buy any Kerala lottery tickets from him, because of his compulsion and due to her mercy towards the Kerala lottery seller she bought a Kerala lottery of Karunya from him. "Karunya" literally means Mercy in Malayalam. As Loretta shown a little mercy to a poor man spending Rs. 50/-, has been returned with a gift of Rs. 1 crore as the first prize of Kerala Lottery "Karunya". She will be getting a lump sum of Rs.63 Lakhs after the deductions (10% for the Kerala lottery agent's commission and a 30% for the Income Tax TDS.