Graduated in 2021 but delayed returning a library book due to lockdown, now being charged ₹10,000 to collect my degree—what options do I have

Hi everyone, I graduated in 2021 and borrowed a book from my college library in 2020. Due to the lockdown, I couldn’t return it and later forgot about it. After graduating, I didn’t collect my degree certificate right away because I was busy. Recently, I went to collect it and was informed that I need to pay a fine of ₹10,000. Unfortunately, I cannot afford this amount. What options do I have?