Gurgaon: Police have booked a couple for allegedly cheating a private bank by fabricating their account statements with the bank to get a Rs 2.5 crore-home loan. They even did not register the flat for which they took the loan, police said.
During an internal investigation, the bank found that it had no record of the transactions shown in the account statement submitted by the couple and that it was fake. After a complaint by the director of serious fraud investigation office (SFIO) under the ministry of corporate affairs, police have now booked Amit Tyagi and his wife Prinyanga Tyagi.
According to police, the couple was sanctioned the loan from the Manesar branch of a private bank in April 2019 for purchasing a residential flat. The loan got sanctioned under a surrogate programme based on the average balance maintained by the couple in their account with the bank between April 2018 and March 2019, but the couple allegedly forged that document.
In November 2020, the branch manager received an email from another person who said that the account statement submitted by the couple might not be genuine. “During an investigation, we found that the party, with a mala fide intention to gain eligibility for the loan, which got sanctioned under the surrogate programme, had submitted a fake and fabricated account statement, with bogus transactions,” said the bank in its complaint.
With the property registration incomplete, the bank, officials said, also could not start taking back the loaned money through monthly instalments.
The bank alerted the Reserve Bank of India (RBI) about the fraud and a case got registered at the IMT Manesar police station under IPC sections 420 (cheating), 468 (forging document), 471 (using forged document) and 120B (criminal conspiracy).
During an internal investigation, the bank found that it had no record of the transactions shown in the account statement submitted by the couple and that it was fake. After a complaint by the director of serious fraud investigation office (SFIO) under the ministry of corporate affairs, police have now booked Amit Tyagi and his wife Prinyanga Tyagi.
According to police, the couple was sanctioned the loan from the Manesar branch of a private bank in April 2019 for purchasing a residential flat. The loan got sanctioned under a surrogate programme based on the average balance maintained by the couple in their account with the bank between April 2018 and March 2019, but the couple allegedly forged that document.
In November 2020, the branch manager received an email from another person who said that the account statement submitted by the couple might not be genuine. “During an investigation, we found that the party, with a mala fide intention to gain eligibility for the loan, which got sanctioned under the surrogate programme, had submitted a fake and fabricated account statement, with bogus transactions,” said the bank in its complaint.
With the property registration incomplete, the bank, officials said, also could not start taking back the loaned money through monthly instalments.
The bank alerted the Reserve Bank of India (RBI) about the fraud and a case got registered at the IMT Manesar police station under IPC sections 420 (cheating), 468 (forging document), 471 (using forged document) and 120B (criminal conspiracy).
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