An Ambala loan fraud case has come to light after a couple allegedly lost ₹77,510 to cyber fraudsters who promised to arrange a personal loan. The scammers convinced the victims that their loan had been approved and then collected money under various pretexts, including processing fees, insurance charges, GST, and commission.
Police have registered a case against the accused and launched an investigation into the online fraud.
Couple Trapped Through Fake Loan Offer
According to the complaint filed with the police, Gunjan Joshi, a resident of Sector-9, Ambala City, searched online for a personal loan on May 4 through a well-known website.
The following day, his wife received a phone call from a woman claiming to be an employee of a finance company based in Noida. The caller informed the couple that their ₹4 lakh personal loan had been approved.
Believing the offer to be genuine, the couple shared their Aadhaar card, PAN card, and bank statement via WhatsApp as requested.
Fraudsters Collected Multiple Charges
After gaining the victims’ trust, the accused demanded several payments before releasing the loan amount.
Initially, the couple transferred:
- ₹1,850 as file processing charges
- ₹4,770 for a Max Life insurance policy
The fraudsters then continued demanding payments under different heads, including:
- GST charges
- Commission fees
- Other loan processing expenses
Through multiple transactions, they withdrew a total of ₹77,510 from the bank accounts of the complainant and his wife.
Loan Never Credited
Despite making all the requested payments, the promised loan amount never reached the couple’s account.
After waiting for several days, they realized they had become victims of an online loan scam. The complainant subsequently filed an online complaint on May 30.
Police Register Cyber Fraud Case
Based on the complaint, police have registered an FIR against two mobile numbers and one bank account holder under charges related to cheating, impersonation, and dishonest misappropriation of property.
Authorities are tracing the accused and investigating the financial transactions involved in the case.
Police Advise Citizens to Stay Alert
Police have urged the public to remain cautious while applying for loans online. Citizens should verify the authenticity of finance companies, avoid sharing personal banking documents with unknown callers, and never transfer money in advance for loan approvals or processing charges.
With online financial fraud cases increasing, officials recommend reporting suspicious calls or transactions immediately through the national cybercrime helpline or cybercrime portal.
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