A shocking case of loan fraud has surfaced in the Lakhimpur district of Uttar Pradesh, where a loan of ₹3 lakh was taken using a fake Kisan Credit Card (KCC) issued in the name of a farmer who passed away three years ago. The fraud was allegedly carried out with the involvement of local bank officials. The farmer’s family, upon discovering the scam, has filed a complaint with the police, demanding justice.
Fraudulent Loan on Deceased Farmer’s Land
The case originated from the village of Ramiya Behad in Lakhimpur Kheri district. At Aryavart Bank‘s Sujanpur branch, a KCC loan of ₹3 lakh was fraudulently obtained on the agricultural land of a deceased farmer, thanks to the collusion between the bank’s manager and middlemen. According to the victim’s family, the loan was approved, and the money was distributed without their knowledge. The family has now lodged a police complaint, seeking justice.
Allegations Against Bank Manager and Middlemen
The complaint accuses several individuals, including the Aryavart Bank manager and a private bank employee, Ramesh alias Lalu, of conspiring to create fake documents. The other accused include Jibran, son of Sattar Ali, Chhote, and Raju Pal, all residents of Lalapur. They allegedly worked together to issue the fraudulent KCC in the name of Saif, a deceased farmer, using his three acres of agricultural land as collateral to secure the loan.
Family’s Discovery of the Fraud
According to Afsar, the grandson of the late Saif, the family had long abandoned their ancestral home and farmland after it was submerged by the Ghaghra River three decades ago. Saif and his family had relocated to the village of Bhaduraiya after their land and home were swallowed by the river. Afsar’s grandfather had passed away 30 years ago.
However, in 2023, when the submerged land became arable again, Afsar visited Dhaurahra tehsil to begin the mutation process for the land’s transfer. To his shock, he discovered that their land, plot number 1392F, had been mortgaged on March 24, 2023, in favor of Aryavart Bank Sujanpur for a ₹3 lakh loan.
Police Investigation Underway
Afsar promptly filed a complaint at the Padhua police station, calling for legal action against those responsible for the fraudulent loan. In response to the complaint, Padhua police station in-charge Nirala Tiwari confirmed the receipt of the victim’s complaint and stated that a thorough investigation is underway. “Strict action will be taken against those found guilty,” Tiwari assured.
The case highlights the growing problem of fraudulent practices in rural banking systems and the urgent need for stricter regulations to protect vulnerable farmers from exploitation.
