New Delhi | December 16 | Delhi Police have dismantled a fake loan call centre operating out of Sangam Vihar in south Delhi, uncovering an organised fraud racket allegedly run by members of the same family. The operation lured unsuspecting individuals with promises of quick, hassle-free online loans, collecting money in the name of processing fees, disbursal charges and stamp duty—without ever sanctioning or disbursing any loan.
According to police, the scam came to light following a complaint filed in September 2025 by a resident of Sadar Bazar in north Delhi. The complainant said he received a call from an unknown WhatsApp number while searching for a loan. The caller introduced himself as a loan agent and offered instant approval on easy terms, creating an impression of legitimacy.
How the Fraud Was Executed
As per the complaint, the caller initially asked for basic documents and demanded ₹2,750 as a processing fee. After the amount was transferred, the victim was informed that the loan had been approved and would be credited to his bank account shortly.
The following day, the fraudsters claimed the loan fell under an “unsecured” category and demanded an additional ₹11,800 for disbursal. This was followed by another demand of ₹6,000 towards stamp duty. Repeated calls and messages were used to maintain pressure and extract more money. In total, the victim paid ₹36,050, but no loan was ever credited.
Complaint Leads to Police Action
After weeks of waiting and receiving excuses, the complainant realised he had been cheated and approached the police. Acting on the complaint, a special team was constituted under the supervision of DCP (North) Raja Banthia.
The team conducted a detailed technical investigation, analysing call detail records (CDRs), mobile IMEI numbers, and the money trail across multiple bank accounts. Investigators found that the calls originated from a specific area and that the defrauded money was being routed through several accounts to evade detection.
Based on the digital trail, police traced the operation to Sangam Vihar and conducted a raid on December 11.
Family-Run Call Centre Exposed
During the raid, police arrested Suresh Kumar, identified as the director of the fake loan call centre. During interrogation, Kumar allegedly revealed that the idea for the operation was conceived by his son Himanshu, who had earlier worked with companies dealing in loans and insurance.
Police said the son’s prior industry experience was used to design convincing call scripts, identify common documentation requirements and create payment demands that appeared routine and credible to victims. The professional tone of the calls helped the fraudsters gain trust and avoid suspicion.
Growing Threat of Digital Loan Scams
Senior police officers said the case highlights how criminals are exploiting the growing demand for instant digital loans. WhatsApp calls, fake agents and the promise of immediate financial relief have emerged as common tools in cyber-enabled financial fraud.
Authorities noted that many victims hesitate to report such cases, allowing similar rackets to continue operating unchecked.
Police Advisory to the Public
Delhi Police have urged citizens to remain vigilant and avoid transferring money in response to unsolicited loan offers. Officials advised that no legitimate bank or financial institution demands upfront processing fees or stamp duty before loan disbursal.
People are encouraged to verify loan offers directly with authorised banks or regulated financial entities and report suspicious calls or messages without delay.
Police said further investigation is underway to identify additional victims and ascertain whether more individuals were involved in the operation. The bust comes amid a sharp rise in fake loan and digital fraud cases reported across the capital in recent months.
