From Friendship To Financial Fraud: A ₹24 Lakh Alleged Scam in Ahmedabad

A 38-year-old man has approached Vastrapur police alleging that three persons befriended his brother-in-law, obtained copies of his identity documents on the pretext of helping him secure loans and credit cards, and allegedly siphoned off ₹18.98 lakh from his bank accounts while obtaining around 15 credit cards in his name.

According to the complaint, the alleged fraud caused a combined financial loss of nearly ₹24 lakh through unauthorised credit card transactions and transfers from bank accounts.

Accused Allegedly Gained Victim’s Trust

The complaint was filed by Chiragbhai Praveenbhai Shukla, a resident of Godhra, on behalf of his brother-in-law, Gunjanbhai Mahendrabhai Bhatt. The accused have been identified as Aparnasingh, Nandkishore Singh (Rajput) and Hitenkumar Sureshkumar Shah.

According to the complaint, Gunjanbhai had known Aparnasingh since 2018, when he visited Samruddhi Mobile near the SBI Bank Gulab Tower branch in Ghatlodia to purchase mobile phones.

In 2024, Hitenkumar Shah allegedly started Yashika Mobile Shop at Ratna Sagar Complex opposite Gulab Tower, where Aparnasingh also reportedly spent time.

Gunjanbhai allegedly began visiting the shop regularly and developed a close acquaintance with the two accused.

The complainant alleged that during these interactions, the accused offered to assist Gunjanbhai in obtaining loans and credit cards from various banks and financial institutions.

They allegedly asked him to provide copies of his identity and other documents for processing the applications.

Around 15 Credit Cards Allegedly Obtained

According to the complaint, between 2024 and May 2026, the accused allegedly used the documents to obtain around 15 credit cards from different banks in Gunjanbhai's name.

The cards were allegedly retained by the accused and used for transactions totalling around ₹5 lakh without Gunjanbhai's knowledge or for purposes unrelated to him.

The complainant said Gunjanbhai later became aware of the transactions and blocked the cards.

Police are now expected to verify the credit card applications, transaction records and the manner in which the cards were obtained and used.

₹18.98 Lakh Allegedly Transferred From Bank Accounts

The complaint also alleges that the accused persuaded Gunjanbhai to transfer money to various bank accounts by claiming that they urgently needed funds.

Between April 13, 2025, and May 25, 2026, around ₹18.98 lakh was allegedly transferred from his SBI and HDFC Bank accounts through multiple transactions.

The complaint states that one series of transactions followed a mortgage loan taken against Gunjanbhai's house from Aditya Birla Capital Limited.

A loan of ₹22.66 lakh was allegedly obtained. Of this, ₹4.58 lakh was used towards credit card instalments, while ₹17.01 lakh remained.

According to the complaint, ₹12.98 lakh was credited to Gunjanbhai's SBI account and was subsequently transferred to different accounts at the alleged request of the accused.

Total Alleged Loss Put At ₹23.98 Lakh

The complainant alleged that the accused continued to maintain Gunjanbhai's confidence while persuading him to carry out various financial transactions.

The alleged transfers from his bank accounts amounted to ₹18.98 lakh, while transactions through the credit cards were estimated at around ₹5 lakh, taking the total alleged financial loss to approximately ₹23.98 lakh.

The complaint also states that Gunjanbhai and his wife have been undergoing treatment for depression and that the alleged financial transactions came to the family's attention only later.

Police Probe Under way

Vastrapur police have registered a case and begun an investigation into the allegations.

Investigators are expected to examine bank statements, credit card applications, transaction records and the accounts into which the money was allegedly transferred.

Police will also verify how the 15 credit cards were obtained, who used them and the respective roles of the accused in the alleged transactions.

The investigation is under way.