A railway Travelling Ticket Examiner (TTE) has allegedly been cheated of ₹52.29 lakh on the promise of getting his home loan waived, in a case that has surfaced in Gorakhpur, Uttar Pradesh. Police have registered a case based on a complaint filed by Abhimanyu Kumar, a railway TTE and resident of Shivpur Sahabajganj in the Shahpur area, who alleges that a woman and her associates cited a purported Reserve Bank of India (RBI) scheme to gain his confidence, and subsequently arranged loans totalling ₹52.29 lakh from five different banks in his name.
How the Scam Began
According to the complaint, Abhimanyu was introduced to Garima Singh through Dhruv Narayan Singh, a railway station superintendent who was reportedly carrying a home loan of around ₹57 lakh himself. Dhruv allegedly told Abhimanyu that his daughter Garima could help get home loans waived under an RBI scheme. Believing this facility genuinely existed, Abhimanyu contacted Garima in August 2025.
Garima allegedly told him that certain OTPs would be sent to his mobile phone during the loan-waiver process, and informed him that a man identified as Vishal Yadav would call to request those OTPs. Acting on her instructions, Abhimanyu allegedly shared the OTPs and signed several documents, without realising the actual purpose behind these requests.
The Discovery: ₹52.29 Lakh in Loans He Never Knowingly Took
The complainant later discovered that loans totalling ₹52.29 lakh had been sanctioned in his name across five banks. The complaint further alleges that Abhimanyu was completely unaware that fresh loans were being taken out in his name — he reportedly didn't even visit the bank branches for two of the five loans. Investigators are now examining how these loan applications were prepared, how his documents were used, and how the loans were processed and approved at the banking level. This kind of detailed reconstruction is exactly where thorough auditing services in India become critical — carefully tracing how loan documentation, OTPs, and signatures were used across multiple institutions to establish the full extent of financial fraud that unfolded without the victim's genuine knowledge.
Why He Didn't Suspect Anything Sooner
According to Abhimanyu, Garima initially paid the EMIs on these loans for around 10 months, which allegedly prevented him from immediately suspecting anything was wrong. The payments were later stopped, leaving him facing the full financial liability of loans he hadn't consciously taken.
In the first week of August, Abhimanyu reportedly visited Garima's residence to seek clarification and demand a resolution. There, he allegedly found several other people who had also come to demand the return of their money — a discovery that raised suspicions this wasn't an isolated case, but part of a wider pattern involving multiple victims. During the confrontation, Garima allegedly threatened to approach the police herself. Abhimanyu subsequently contacted the police and filed his own complaint, alleging he had been cheated of ₹52.29 lakh.
A Pattern That Goes Beyond One Victim
Police have found that Garima is allegedly named in several earlier cases involving loan-related fraud and financial irregularities. This latest case is reportedly the sixth FIR linked to the alleged network. Investigators are now examining these earlier complaints to determine whether a similar method was used in each case, particularly involving promises of loan waivers and the fraudulent arrangement of bank loans in victims' names.
A separate case involving veterinary doctor Dr Paramatma is also part of this wider investigation. Police had registered an FIR against Garima and others in connection with his complaint, filed at the AIIMS police station on August 5. Additionally, three other people have allegedly lodged similar complaints at the AIIMS and Sahjanwa police stations.
What Investigators Are Now Piecing Together
Investigators are examining the alleged network's operating pattern, including how victims were persuaded to participate in loan procedures, how their identity documents and OTPs were obtained, and where the loan proceeds were ultimately transferred. Bank records, loan documents, transaction details, and other digital evidence are expected to play a significant role in establishing the complete flow of money.
Police are also investigating whether other individuals assisted in the alleged fraud, with a particular focus on determining whether Garima and Vishal Yadav were acting alone or as part of a larger group. Investigators may question bank officials, complainants, and others connected with the loan applications to establish exactly how these transactions were executed.
Gorakhpur police say the case is being investigated seriously, with the accused potentially being taken on remand for questioning while police teams conduct searches to trace other suspects allegedly connected with the case. Further legal action will depend on the evidence gathered during the ongoing investigation, and the allegations against the accused remain subject to investigation and judicial proceedings.
FAQs
Q1. How did the fraudsters allegedly convince the TTE to share his OTPs?
Garima allegedly cited a purported RBI loan-waiver scheme, telling Abhimanyu that OTPs sent to his phone were part of the process, and instructed him to share them with an associate, Vishal Yadav.
Q2. How much money is the victim allegedly liable for?
Loans totalling ₹52.29 lakh were allegedly sanctioned across five different banks in Abhimanyu's name without his full knowledge, using his OTPs and signed documents.
Q3. Is this an isolated case, or part of a larger pattern?
This is reportedly the sixth FIR linked to the alleged network, with Garima allegedly named in several earlier loan-fraud cases, including complaints from at least four other victims.