found Guilty - "As per the findings of the Business Team and the verification conducted by the Audit Team in June 2025, it has been observed that a fraud amounting to Rs. 64,590/- has taken place. Specifically, the Loan Officer, Atul Tripathi (Employee ID: SF0084534), collected amounts from borrowers but failed to perform the following actions:

The collected amount was not posted in FIMO.

The collected amount was not deposited in the branch.

Additionally, it was observed that the Loan Officer collected EMI payments from six borrowers, amounting to Rs. 64,590/-. However, these amounts were not posted in FIMO. Out of the total fraud amount, Rs. 17,080/- remains unrecovered by the employee.

As per the recommendation of the Zonal Disciplinary Action Committee (ZDAC), it is advised to close the case with termination."
 Level 1 misconduct so termination