Woman Alleges ₹12.27 Lakh Fraud in Work-From-Home Loan and EMI Scheme

A 23-year-old woman has approached the Ahmedabad Cyber Crime Police alleging that two men defrauded her and her family of ₹12.27 lakh by allegedly luring them into a work-from-home scheme involving commissions on personal loans, credit cards and electronic purchases.

The complainant, Diya Shaileshbhai Patel, works as an apprentice at a bank in Bapunagar. She told police that she was contacted after uploading her resume on a job portal.

Job Offer Turns Into Loan Scheme

According to the complaint, a man identifying himself as Jay contacted Diya and claimed to have obtained her details from the job portal. He allegedly offered her work-from-home work without any initial investment.

The man later sent her WhatsApp messages showing commissions for arranging EMI cards, personal loans, credit cards and utility bill payments.

Diya alleged that the man subsequently visited her house and introduced himself as Ashok Viramgama. He reportedly told the family that his real name was Ashok but that he was commonly known as Jay.

Ashok allegedly claimed to be associated with Sarvodaya Sahakari Mandali and told the family that the organisation needed electronic goods. He allegedly offered to arrange purchases through personal loans, credit cards and finance schemes in their names, promising commissions of 10% to 30%.

He also allegedly assured them that the EMIs would be paid by him or the organisation.

Family Allegedly Persuaded To Take Loans

According to the complaint, Ashok initially gained the family's confidence by arranging an electronic purchase through a finance scheme in the name of Diya's father, Shaileshbhai.

He allegedly took the phone and subsequently paid the instalments while also transferring the promised commission.

Ashok later introduced Rajan Mehta as his colleague and told the family that Rajan could assist them when he was unavailable.

Over the following months, Diya alleged that she and her family purchased several mobile phones, air-conditioners and other electronic goods through personal loans, credit cards and EMI schemes. The goods or loan proceeds were allegedly handed over to Ashok and Rajan.

The two men allegedly continued paying commissions and instalments initially, which further strengthened the family's confidence in the arrangement.

Fixed Deposits And Credit Cards

Diya further alleged that Ashok persuaded her to create fixed deposits and obtain credit cards against them.

She claimed that he later obtained access to the cards and their PINs and carried out transactions without her permission.

The complaint also alleges that money was transferred to Ashok through digital payment platforms. Ashok and Rajan allegedly arranged additional loans and EMI purchases in Diya's name, with electronic goods or loan proceeds subsequently going to accounts or digital payment instruments allegedly controlled by them.

EMIs Stop, Liabilities Rise

The family's financial liabilities increased after the accused allegedly stopped paying the instalments around May or June 2026.

The complaint refers to several outstanding personal loans and EMI purchases, including finance taken for mobile phones and an air-conditioner.

In one transaction, Diya alleged that a Samsung S25 Ultra worth around ₹1.30 lakh was purchased through a personal credit facility, leaving an outstanding amount of nearly ₹1 lakh.

She also referred to other high-value mobile phone purchases made through credit cards for which instalments allegedly remained unpaid.

Diya has put the total financial liability arising from the transactions at ₹12.27 lakh.

Of this, she alleged that ₹5.76 lakh related to transactions involving two fixed-deposit-backed credit cards, while another ₹ 5.86 lakh related to loans, advances, EMI purchases and goods obtained in the names of family members.

Security Cheque Allegedly Given

As the family began receiving notices over unpaid instalments, Ashok allegedly assured them that money owed by the organisation was pending and would be used to clear the liabilities.

In June 2026, he allegedly gave the family a security cheque for ₹4 lakh and asked them to deposit it the following month.

The family meanwhile paid some instalments themselves, according to the complaint.

However, around June, Ashok and Rajan allegedly stopped responding to the family's calls and messages.

Police Probe Underway

Diya later alleged that she learnt that the two men had been using a similar work-from-home scheme with other people in Gujarat.

According to her complaint, the men allegedly initially paid commissions and EMIs to build victims' confidence before persuading them to take larger loans or purchase expensive goods. The payments were allegedly stopped later.

The complainant also alleged that Ashok had falsely claimed to work for Sarvodaya Sahakari Mandali.

Diya and other affected persons subsequently approached the Gujarat Home Department with their grievances, while a complaint was also submitted to the Cyber Crime Police.

The Cyber Cell of the Ahmedabad Crime Branch has registered a case and launched an investigation.

Police have collected WhatsApp conversations, photographs shared during the initial interaction and documents relating to loans and financial transactions.

Investigators are examining the financial transactions, loan accounts and digital-payment trails, along with the alleged involvement of Ashok and Rajan in similar cases.