A central government employee has been arrested for allegedly using a namesake’s PAN card and Aadhaar card to take a personal loan of Rs 12.5 lakh from a bank.
Police said the alleged fraud came to light when the accused allegedly defaulted on paying the EMI and the bank launched an internal inquiry. The inquiry is said to have suggested that the documents submitted for the loan belonged to a homemaker who knew nothing about it.
“We have arrested Dipali Das, who works as an assistant supervisor in a central government office on Council House Street. Her Cibil score was poor and she knew she would not get a personal loan. She had used the PAN and Aadhaar card of another woman named Dipali Das, who is a homemaker, to get the loan without her knowledge," said an officer in the anti-bank fraud section of the detective department.
The Credit Information Bureau (India) Limited (Cibil) score indicates the creditworthiness of a person.
The police said Das, a resident of Haltu in Kasba, took a loan of Rs 12.5 lakh from a bank in February last year. The bank manager lodged a complaint in November.
“The accused had deliberately submitted KYC documents that did not belong to her,” said an officer in the anti-bank fraud section that took over the investigation.
Das was initially paying the EMIs. But when she started defaulting, the bank initiated an inquiry and reached out to the woman whose identity documents were submitted.
An officer at Lalbazar said one should be cautious while submitting photocopies of Aadhaar card and PAN card. "To prevent misuse, the documents should always be signed with date and the purpose for which they are being submitted should be mentioned," he said.