During the ZIC meeting, auditor Soubhagya Samantaray raised the following concerns regarding employee Bibek Behera related to loan disbursement and EMI collection for borrowers Ruksana Begum and Rajani Pagad:
According to the loan card, the loan disbursement was recorded as done on 14th June 2024.However, the NEFT transaction clearance was not cleared in same date , as per FIMO records, was only reflected on 19th June 2024.Due to this delay in NEFT clearance, the EMI payment schedule was affected:     If disbursement had truly occurred on 14th June, the EMI should have been due in July 2024 as per the loan card.But since FIMO showed disbursement on 19th June, the EMI due date was shifted to August 2024.Despite this, the EMI amount was collected from the field as per the loan card. As  the demand for the EMI was not reflected in FIMO records , It was alleged that the employee, Bibek Behera, did not post the collected EMI amount in FIMO and instead retained it personally.