Ex-Serviceman Accuses Officials of Siphoning Rs 6.5 Lakh Housing Refund Through Fake Account
In a shocking case of alleged financial fraud, an ex-serviceman from Gurgaon has claimed that officials from Haryana's housing board and employees of Sarv Haryana Gramin Bank conspired to siphon off more than Rs 6.5 lakh by opening a fraudulent bank account in his name. This account was reportedly used to divert a long-pending housing refund that was rightfully due to him. The police have taken swift action, registering a cheating case on Sunday based on the complainant's detailed allegations.
Details of the Alleged Fraud Scheme
The complainant, identified as Tejram, a resident of Tikli village, initially applied under a housing scheme specifically designed for ex-servicemen in June 2014. As part of the application process, he deposited a substantial sum of Rs 5.21 lakh to secure the allotment of a house. However, when the scheme was abruptly closed in 2015, Tejram promptly applied for a refund of his deposited amount.
He was instructed to submit a no-objection certificate (NOC) from the bank to facilitate the refund process. According to Tejram, he complied with this requirement by obtaining and submitting an NOC from the bank's Sector 4 branch in April 2015. Despite this, the refund did not materialize as expected.
Discovery of the Fraudulent Transaction
Years later, on September 20, 2022, the housing board informed Tejram that a total amount of Rs 6,55,459, which included accrued interest, had been processed for refund. However, to his dismay, he never received this money in his account. During subsequent follow-ups and correspondence, an accountant at the housing board's Panchkula office revealed a critical detail: the refund had been transferred via RTGS on January 23, 2024, to an account in Tejram's name at the bank's Defence Colony branch in Hisar.
Tejram vehemently denied ever opening an account at the Hisar branch or authorizing such a transfer. He alleged that a fake account was created in his name using forged documents, specifically to divert the funds illegally. This revelation pointed to a potential conspiracy involving multiple parties to misappropriate the refund.
Legal Actions and Police Investigation
After exhausting all avenues for relief through repeated representations, Tejram escalated the matter by sending a legal notice on November 11, 2025. The notice was addressed to the housing board, the bank's Defence Colony branch in Hisar, its head office in Rohtak, and the concerned vigilance officer. In it, he demanded a full refund of the deposited amount along with 18% interest and strict action against those responsible for the fraud.
The bank responded by asserting that the amount had indeed been credited to the stated account, but Tejram maintained his position that he never received the refund, highlighting the discrepancy. Based on his formal complaint, the police registered a case under sections 420 (cheating) and 120B (criminal conspiracy) of the Indian Penal Code. The case has been forwarded to the economic offences wing for a thorough investigation.
Authorities are currently examining bank records and related documents to determine how the fake account was opened and who authorized the suspicious transaction. This investigation aims to uncover the full extent of the alleged conspiracy and bring the perpetrators to justice.
This case underscores the vulnerabilities in financial and housing systems, particularly affecting ex-servicemen who rely on government schemes for their welfare. It raises serious questions about internal controls and accountability within public institutions. As the probe continues, stakeholders are calling for stricter oversight to prevent such incidents in the future.
