"Dear Team,

As per the findings of the Internal Audit (IA) Team, verification conducted by the Audit team in Jun 2025, it was observed that a fraud amounting to Rs.3,200/- has taken place. Specifically, the Loan Officer, Om Singh/SF0084878 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 one borrower, amounting to Rs. 3,200/-, and again failed to record these transactions in FIMO.""
Note:- When I went to the borrower's house to verify the fraudulent cash, I came to know that both the borrowers are mother-in-law and daughter-in-law who have gone to Delhi to work. Their son is also with them. I met their father-in-law at home. I came to know about this from him. But when I spoke to my borrower's son on phone, he told me about this online payment and said that I pay monthly installments for my mother, Geeta and wife Shobha. I asked him to send me the screenshots of the online payment that you have made, but he refused to send it to me. But the borrower told me that I had made the payment to Lavkesh Sir over the phone from the contractor of the place where I work. When I came to know that the installment was not deposited, I came to the office, but I did not receive the borrower on the verification time and neither did the branch team take their statement. I gave this information to AVP Arvind Sir. He told me that the borrower said that I have given the money, you will have to consider it a fraud, but I told him that I neither received the borrower nor did I get any written statement from him, and how do I prove that this is true? It is a fraud, but that is what he said. when the borrower says it, then you will have to believe it."