A shocking case of alleged fraud involving a private bank has emerged from Shahdara district, where fraudsters reportedly secured 12 personal loans using different identities and caused a loss of ₹1.05 crore. The most striking finding came during the bank’s internal investigation, which revealed that all 12 different PAN cards used for the loan accounts carried the photograph of the same person. The accused allegedly posed as employees of several prominent government institutions and submitted forged salary slips and employment documents to support their loan applications.
A case was registered at Vivek Vihar police station on Wednesday on the basis of a written complaint filed by the bank’s authorized representative, Pabitra Kumar Sahu. Police have begun investigating the loan accounts, documents and financial transactions. The possible involvement of a bank employee is also being examined.
Loans Taken by Posing as Government Employees
According to police, Shahdara residents Bijender, Sukhbir, Lakshmi, Anisur and Bharat are among the principal accused in the alleged fraud. They reportedly worked with several other people to execute the scheme and deceive the bank.
The accused allegedly claimed to be employees of institutions including Dr. Ram Manohar Lohia Hospital, GB Pant Hospital, the Central Public Works Department (CPWD), the National Archives and the Steel Authority of India (SAIL).
To support their claims of government employment, the accused allegedly submitted salary slips and employment-related documents during the loan process. The documents reportedly contained details of salaries, positions and employment designed to make the applications appear genuine during the initial verification process.
12 PAN Cards, But the Same Photograph
The most significant finding emerged during the bank’s internal investigation. Officials found that 12 personal loans had been obtained using 12 PAN cards issued in different names. However, the photograph on every PAN card was reportedly that of the same individual.
According to bank records, most of the loans were sanctioned between 2021 and the early months of 2023. The accused allegedly exploited the bank’s lending process by using different identities and employment details.
The discovery of multiple PAN cards carrying the same photograph raised questions about the authenticity of the documents, prompting the bank to conduct a detailed internal investigation.
Investigators also found alleged discrepancies in the employment and salary documents submitted for the loans. Police are now trying to determine who prepared the documents and how the PAN cards and other identity-related documents were obtained.
₹85.81 Lakh in Principal Still Outstanding
According to the bank’s complaint, as of December 9, 2025, a total principal amount of ₹85,81,399 remained outstanding across the 12 loan accounts. Police are examining each loan account to determine where the money was transferred and how it was subsequently used or moved.
Bank records, loan applications, PAN cards, alleged salary slips, employment certificates and digital records related to the loans could become important evidence in the investigation. Investigators are also examining whether other individuals helped create the 12 separate identities.
Possible Bank Employee Involvement Under Investigation
All the principal accused are currently reported to be absconding. Along with efforts to locate them, police are examining the possibility of internal involvement at the bank.
Investigators are particularly looking into how 12 PAN cards carrying the same photograph and allegedly forged government employment documents were accepted during the loan approval process.
Police are examining the accused persons’ mobile numbers, bank accounts, loan applications and other digital evidence. Employment claims made by the accused may also be verified with the concerned government institutions.
The investigation is continuing, and police are making efforts to trace and arrest the absconding accused. Further details are expected to emerge as investigators examine the financial trail, the source of the forged documents and the possible role of other people in the alleged fraud.
