Major observations of the case by the committee was that Staff is involved in multiple complaints F2425-02220/F2425-03271/F2526-04028 and after multiple inquiries and cross verifications with the alleged staffs statements, it is found and accepted by the staff that he utilized the collection money in posting of other std. borrowers intentionally due to pressure as per staff and also collected digital payments into his phonepe against the company policy which as per staff has been transferred to BM without any Proper denomination which shows complete violation of Process and also not able to provide justification on the transaction. Thus he is found guilty & recommended for Termination.