Farmer files FIR after loan amount and other withdrawals found missing
A 51-year-old farmer from Dhutarpar village in Jamnagar taluka has accused a bank employee of unauthorised withdrawals totalling ₹23 lakh, according to the first information report (FIR) filed with Panch A Division police. The complainant, identified in the FIR as Parsotam Limbasiya, said the alleged transactions occurred between 13 November 2024 and 10 August 2026.
The FIR states that Limbasiya applied for an agricultural loan of ₹20 lakh at a branch of a nationalised bank on 13 November 2024. The loan was sanctioned and the amount was disbursed as ₹10 lakh each into accounts held by Limbasiya and his mother, Ujii. Limbasiya alleged that a bank employee, named in the complaint as Dipen Kuchadiya, assisted with the loan application and later arranged withdrawals without the complainant's knowledge.
Alleged modus operandi and scope of withdrawals
According to the FIR, Kuchadiya instructed Limbasiya to return the following day to collect the cash. When Limbasiya revisited the branch, the employee allegedly cited network issues and later told him the bank had insufficient cash. Suspicion grew after repeated delays, and a check of account statements revealed that the entire ₹20 lakh loan had already been withdrawn.
Further inquiries in the FIR revealed unauthorised withdrawals from the savings account of Limbasiya's wife, Jyotsna. The complaint says Limbasiya had previously relied on Kuchadiya for help in filling cheque details and that Kuchadiya had retained a signed cheque, which was used allegedly to withdraw ₹3 lakh from Jyotsna's account.
- Loan sanctioned: ₹20 lakh (₹10 lakh to Limbasiya; ₹10 lakh to his mother Ujii)
- Alleged cheque withdrawal from wife's account: ₹3 lakh
- Total alleged amount siphoned: ₹23 lakh
| Item | Amount | Period (per FIR) |
|---|---|---|
| Agricultural loan disbursed | ₹20 lakh | 13 Nov 2024 (sanction) |
| Withdrawals from wife's account | ₹3 lakh | Between 13 Nov 2024 and 10 Aug 2026 |
| Total alleged misappropriation | ₹23 lakh | 13 Nov 2024 to 10 Aug 2026 |
"According to the complaint, Kuchadiya siphoned off a total of ₹23 lakh," the FIR records.
Police action and local concerns
Panch A Division police have registered a case of criminal breach of trust against the accused. Panch A Division sub-inspector A R Parmar is quoted in reports as saying the complainant did not know the accused’s exact designation at the bank, and that preliminary inquiries are under way. The FIR also states that Limbasiya told police other farmers in the area might have been similarly affected.
The case highlights vulnerabilities rural account-holders may face when they rely on bank staff for transactional assistance, particularly during loan disbursal processes and when literacy or procedural knowledge is limited. For the agrarian community in and around Jamnagar, access to timely and transparent credit is vital for crop cycles and farm investment; any erosion of trust in local banking services can have wider economic consequences.
Police investigators will need to examine branch withdrawal records, CCTV footage if available, transaction authorisations and the retained cheque cited in the complaint to establish whether funds were diverted without consent. The FIR sets a criminal-law process in motion; further legal steps will depend on the evidence gathered and whether other complainants come forward alleging similar conduct by the same bank employee.
Local farmers and residents in Jamnagar taluka are likely to watch the probe closely, given the potential implications for loan procedures and the security of deposits held at nearby branches. The outcome may prompt demands for greater oversight of branch operations, clearer borrower communication at the point of sanction, and strengthened mechanisms to prevent misuse of signed instruments or unauthorised withdrawals.
