During the verification we observed that loan officer Gulshan Kumar Salame/SF0070749 had embezzled Rs. 3,62,544/- from 10 borrowers' collection, Pre-closure and Disbursed Amount Recollected amount but only Rs. 1,35,840/- were reported in FIMO as EMI. We have collected evidence from all 10 borrowers, i.e., loan card, handwritten copies and borrower statement.