Discussed with employee along with Operations and Audit team during ZDAC meeting. Employee attended the meeting and mentioned that the collection EMI was sent to his personal UPI id and employee failed to recognise the same and subsequently posting was not done by oversight. We have cross checked the other transactions (~201 customer details) and found out that issue was done by mistake of an employee and there are no further adverse feedback on him. Hence It has been concluded that employee was not involved in financial misappropriation. Hence recommending for Drop charges.