During the ZIC meeting, the alleged employee statted that the borrower Ms. Khusboo Pradhan had committed to make her EMI payment via BBPS. However, on 3rd April 2025, borrower instead transferred the payment directly to the employee through PhonePe, without prior intimation. Based on the borrower’s original commitment, the employee had signed the loan card in anticipation of a BBPS transaction. At this time the employee was on leave and was not aware of the transaction. The Borrower name also did not appear in the standard Pending List. The issue was identified on 2nd May 2025. Upon being informed, the employee promptly discussed the matter with borrower Ms. Khusboo Pradhan and made the necessary entries in the FIMO system on the same day. After a thorough review, the committee concluded that the error was unintentional. The omission occurred because the borrower’s name was not reflected in the Pending List, leading to the oversight. Based on the facts and evidences, the committee decided to issue a warning letter.