Man takes 11 lakh loan using UP woman’s bank account, FIR registered

Lucknow: An FIR was registered on Thursday against a man who allegedly took a personal loan of Rs 11.18 lakhs using the bank details of a woman customer named Rinki Ojha in Uttar Pradesh’s Mahanagar.

Ojha, who has a bank account at the JB Road branch of a government bank, received a call from the bank last week, notifying her that she had failed to deposit the installment of her personal loan.

“She told the caller from the bank that she had neither ever applied nor was granted any loan from the bank and that financially too she was ineligible to secure a loan of Rs 11 lakh,” said the police.

“I had a verbal spat with the bank manager and other staff. None of them was ready to hear me out. I am unemployed and live in a small house and I was shocked how a loan was disbursed in my name using my bank details,” Ojha said.

“I came to know that the loan was granted and money was transferred to my bank account on August 9, 2022, and Rs 9.5 lakhs was transferred to a different bank account the same day and the rest on August 10. The remaining sum was transferred to different bank accounts till March 2023. Surprisingly, I did not get any SMS/email or any information about the transactions through my bank account, though it is linked to my mobile phone number,” she said.

She added that she was told by the bank staff that the transaction list had the name, Arpit Saxena.

“Arpit was involved in several cases of fraud in which he got money sanctioned to the accounts of bank customers and withdrew money in connivance with bank officials,” she said.

Ojha further said that victims of Arpit’s fraud come to know of the crime only after they receive a phone call from the bank about the default in payment of EMI.

With inputs from IANS