During the (ZIC) meeting, a complaint was raised against the alleged employee regarding the mismanagement of a loan repayment transaction. It was reported that the employee collected a pre-closure amount from a borrower, Mr. Bani Dip, but failed to record the payment in the (FIMO) under the correct account. In response, the employee admitted to collecting the pre-closure amount from Mr. Bani Dip but stated that the amount was kept with him for 15 days and then the alleged employee was converted borrower pre closure amount to monthly EMI and paid monthly instalment continuously . Further the alleged employee approached the borrower to pay extra rs 2000/- for sanctioning of loans , confirming that all existing loans are closed Based on Facts and evidences, Committee decided for Termination.