Fraud is not identified in the name of Loan Officer Bharat Jatav/SF0084135. As per the loan card, Loan Officer Bharat Jatav/SF0084135 had collected an EMIs from the 3 borrowers namely Umabharati/350587476, Rani/350587593 and Neeta Ahirwar/350588183 on 01-Oct-2024 but the same was not updated in the FIMO. The details of EMIs collected are updated below;
1) Umabharati/350587476 – Rs. 2,250 on 01-Oct-2024
2) Rani/350587593 – Rs. 2,250 on 01-Oct-2024
3) Neeta Ahirwar/350588183 – Rs. 2,250 on 01-Oct-2024
During verification of the loan card, it has been observed that the signature of the LO Bharat Jatav and of the BQM Kailash Ahirwar/SF0041448 was found updated on the loan card in front of the demand date of 01-Oct-2024 and on the verification of sub-ledger, it has been observed that the double EMIs were updated in the FIMO on 01-Sep-2024 for these 3 borrowers.
Upon review of the collection report, it has been observed that 1 EMI each for these 3 borrowers is updated in the FIMO by LO Manish Ahirwar through “Tab” and another EMI updated by BQM through “Web”.
The same has enquired with the LO, BQM and with the borrowers and observed that the BQM has updated the advance EMI in the FIMO for these 3 borrowers on 01-Sep-2024 and the same is also confirmed with the borrowers that they had not paid any double EMIs in the month of Sep’2024 and hence, the LO and BQM collected the EMI for the month of Oct’2024 from the borrowers but not posted it into the FIMO.

Further, IA has verified the 291 borrowers and no fraud is identified in the name of LO Bharat Jatav.