The conclusion of this investigation is that Loan Officer Dhruv Kumar/SF0081519 collected EMI of some borrowers at different centers in different dates but did not update this amount in FIMO and he absconded on 03-May-25.
Misappropriation details are as below -
Gross fraud amount -  ₹ 12100.00
Recovered amount - ₹ 0.00
Net fraud amount - ₹ 12100.00