As the land is in India, Indian law would apply in this situation. To recover the loan, you could file a civil lawsuit in a court of competent jurisdiction in India. It would be advisable to consult with a local lawyer in India to understand the specific steps and procedures involved in such a lawsuit. To establish a case for recovery of the loan, you would need to provide evidence of the loan agreement and the transfer of funds to your cousin's account. Additionally, it would be important to consider whether the bank that has rented the land has any liabilities in this matter and whether they have taken any actions that may have prejudiced your interests.