Borrower had paid her pre-closure amount Rs. 38,628/- to CM Laljibhai Dhrangiya on 20-Jun-2024  but the same was not posted in the FIMO. Further verification of the sub-ledger, it has been observed that CM has posted the 2 EMIs for the month of Jul'24 and Aug'24 through the LOs. The total amount of Rs. 5,380/-(2690*2) posted in the FIMO and the remaining amount of Rs. 33,248/- not yet posted in the FIMO.  As per the Borrower Written Statement, Borrower had paid the pre-closure amount Rs. 38,628/- to Laljibhai Dhrangiya/SF0042907 on 20-Jun-2024 at the branch premises and for that the CM has issued the pre-closure receipt but still this loan account is not closed in the FIMO. Total Fraud Amount = Rs. 38,628/- Amount Recovered and Accounted in FIMO = Rs. 5,380/- Net Fraud Amount to be recovered = Rs. 33,248/- (Note: The signature available in the pre-closure receipt is not able to match with the any other documents as the branch team doesn't have any previous record of CM Lalji Dharangiya. The borrower has confirmed that she has paid the pre-closure amount to CM Lalji Dharangiya). Enclosed herewith the borrower written statement, borrower's video recording, pre-closure receipt, sub-ledger for your reference.