During the field visit, we observed the following embezzlement. Staff details as hereunder: - •	Loan Officer Azad Ansari/SF0067682 had embezzled 10 borrower’s loan Preclose, collection and advance EMI amount of Rs. 1,68,850. After verification we observed that Rs. 85,330/- had been posted as regular EMI and rest of the amount of Rs. 83,520 not reported. It was observed that the loan officer had collected EMIs from the borrower since the date of his absconding. Here's a breakdown of the discrepancies: 	Rs. 1,48,910 from six borrowers’ pre-closure payments 	Rs. 4,480 from one borrower’s advance EMI 	Rs. 15,460 from three borrowers’ regular EMIs