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Banking & Lending
INR 6 Crore Bad Loan Investigation
Tracking fund diversion through elaborate transaction webs
₹6 Cr
Loan Amount
50,000+
Transactions Traced
₹2.5 Cr
Hidden Assets Found
2 months
Investigation Time
The Challenge
A lender had extended a INR 6 Crore loan that went bad. The borrower claimed business failure, but the lender suspected fund diversion. The borrower had created an elaborate web of transactions across multiple accounts and entities to disguise where the money actually went. Traditional audit approaches had failed to trace the funds.
Our Approach
- 1Obtained bank statements for the borrower and all related party accounts
- 2Applied graph analysis to map every transaction from the loan disbursement
- 3Identified circular transactions designed to obscure the money trail
- 4Traced funds to personal accounts and asset purchases of the borrower
- 5Documented property purchases made within weeks of loan disbursement
- 6Built a visual fund flow diagram showing exactly where the ₹6 Cr went
- 7Prepared affidavits and evidence package for debt recovery tribunal
The Outcome
- Complete fund trail documented from disbursement to final destination
- Discovered borrower had purchased property worth ₹2.5 Cr using loan funds
- Evidence enabled lender to file recovery proceedings with strong case
- Borrower's assets attached by court based on our evidence