One of Toran Singh's clients Vimlesh had given Toran 4 EMIs to deposit and on the same day 4 Muslim clients  demand required so they were not paid thier EWI due to Eid festival. The money of those 4 clients did not come and with many discussion the EWI of one client was paid but the rest were not paid. When Toran told this to his BM Digambar Singh, the BM suggested that Vimlesh's money should be deposited with the money of these 3 clients and when he pays the money then vimlesh money should be deposited in next week. So Toran deposited 1 EMI in the name of Vimlesh and the remaining 3 were deposited in the name of these Muslim clients. The next week Toran was transferred to another branch. The same week when the Muslim client did not pay thier EMI, Toran paid Vimlesh's EMI money from his own pocket and later paid the remaining 2 installments and here the money was transferred to his BM and BQM online. 

According to ZDAC Toran had no intention to commit fraud and whatever money he transferred was done on the advice of his BM and he admitted his mistake and has no previous record of fraud, so close with warning
