"Based on the available evidence, it has been observed that the loan officer Deepak Chaudhari tampered with the KYCs of the borrower (Details mentioned in the borrower-wise details) and proceeded for further dibursement. The OSV on the photocopy of KYCs (Attached with the loan documents) was done by the loan officer Deepak Chaudhari. The LD of this borrower is saved in the FIMO by Branch Manager Bhagchandra Karpentar/SF0023956. The work negligence of Branch Manager is that he didn't conduct the proper due diligence while conducting the House Visit, GRT and during the time of dibursement. Moreover, Further verification of the sub-ledger and collection report of loan (352468586), it has been observed that 2 EMIs for the amount of Rs. 3,200*2 = 6,400/- were found updated in the FIMO by the loan officer Deepak Chaudhari/SF0053280 in the months of Oct’23 and Nov’23. 
Total Fraud Amount = Rs. 60,000/-
Amount Recovered and Accounted in FIMO = Rs. 6,400/-
Net Fraud Amount (To be Recovered) = Rs. 53,600/-

Note- The branch name updated in the DAPS as Umaria/MP2057 but the complaint pertains to Pawai Branch. The date of identification is updated in the DAPS as 29-Mar-2025 but we have received the details from the CSS team on 18-April-2025."
