A suspected financial fraud involving more than ₹1.37 crore has come to light in Uttar Pradesh's Maharajganj district, allegedly targeting a veterinary officer. Ghughli Police have registered a case against 13 named accused, including the complainant's relative Garima Singh, and other unidentified persons, on charges of fraud, forgery, and criminal conspiracy.
How the Alleged Fraud Began
The complainant, Dr. Dilip Singh, who is posted as the officer in charge of the Bargadwa Veterinary Hospital, alleged that his personal and banking documents were obtained on the pretext of helping him close an existing car loan. According to the complaint, Dr. Singh, a resident of Harkhi village in the Ghughli area, already had a car loan. In November 2025, his relative Garima Singh allegedly assured him she would help close this existing loan. On this pretext, she allegedly obtained his PAN card, Aadhaar card, and bank account details through WhatsApp.
Loans Sanctioned From Six Institutions
Police said the accused allegedly used this personal and financial information to obtain multiple personal loans without the veterinary officer's knowledge, with sanctioned amounts subsequently transferred to different bank accounts.
The alleged loan amounts include ₹19.41 lakh from Cholamandalam, ₹23.64 lakh from Bandhan Bank, ₹24.51 lakh from Yes Bank, ₹19.89 lakh from ICICI Bank, ₹27.02 lakh from Axis Bank, and ₹22.92 lakh from HDFC Bank, together amounting to ₹1,37,42,124. Investigators are examining how the loan applications were processed, what documents were submitted, and whether anyone assisted in facilitating the alleged fraudulent approvals.
The Fraud Came to Light When EMIs Stopped
According to Dr. Singh, the accused allegedly paid the loan instalments for some time before stopping the payments. The fraud came to light when he began receiving information that around ₹2.95 lakh was being deducted from his bank account every month toward loan repayments.
The complainant reportedly earns around ₹1.25 lakh a month, so this unusually high deduction immediately stood out. After noticing the discrepancy, he began checking the transactions and discovered that several personal loans had allegedly been taken in his name without his consent. When he confronted the accused and demanded an explanation, he allegedly received threats to his life, according to the complaint.
Relative and Financial Institution Personnel Under Probe
Ghughli Police have named Garima Singh, Dhuw Narayan Singh, Vishal Yadav, Sadhna Mall, Mohan Singh, Dinkar Mani Tripathi, and Bhanu Pratap Singh among the accused. The complaint also seeks investigation into the alleged role of officials and employees associated with the six financial institutions involved in the loan approvals.
Investigators are now examining the bookkeeping services in India-style bank transaction records to determine where the loan proceeds were transferred and who ultimately benefited from the funds, systematically piecing together the financial trail across six different institutions. Police are also verifying the documents used during the loan application process and the digital trail associated with these alleged transactions.
A Wider Pattern in Maharajganj
This case has emerged amid a wider investigation into alleged financial fraud in Maharajganj, with police having already registered several FIRs in connection with the suspected network. The complaint also refers to the death of Dr. Paramatma Singh, a veterinary officer formerly posted in the Nautanwa area, who died by suicide in Gorakhpur on August 13, after allegedly facing harassment linked to the same network.
Police are examining bank records, digital evidence, loan documents, and communication between the accused and the complainant, trying to establish whether the accused acted independently or as part of a larger organised financial fraud network. The investigation will determine how the loans were obtained, where the ₹1.37 crore was ultimately transferred, and whether personnel associated with the financial institutions played any role in the alleged fraud.
FAQs
Q1. How did the accused allegedly obtain the veterinary officer's personal documents?
The complainant's relative, Garima Singh, allegedly obtained his PAN card, Aadhaar card, and bank account details through WhatsApp, under the pretext of helping him close an existing car loan.
Q2. How much money was allegedly involved in this fraud?
Loans totalling ₹1,37,42,124 were allegedly taken from six financial institutions, Cholamandalam, Bandhan Bank, Yes Bank, ICICI Bank, Axis Bank, and HDFC Bank, without the veterinary officer's knowledge.
Q3. How did the victim discover the fraud?
He noticed that around ₹2.95 lakh was being deducted monthly from his bank account toward loan repayments, an amount unusually high compared to his monthly income of around ₹1.25 lakh.