GUWAHATI – The Central Bureau of Investigation (CBI), Anti-Corruption Branch (ACB), Guwahati, has registered a First Information Report (FIR) involving a multi-crore scam at the State Bank of India (SBI), Nagaon Branch. The case involves the fraudulent disbursement of 45 Xpress Credit Loans totaling ₹3.79 Crore between 2023 and 2024.
The FIR (No: RC0172026A0001), filed on January 20, 2026, names several private individuals and “unknown public servants” from the bank for criminal conspiracy and bribery.
The Mastermind and Modus Operandi
According to the investigation, Ms. Rumi Kalita, a private individual from Guwahati, is alleged to be the “main conspirator”. She reportedly worked with a network of middlemen to collect fake documents from ineligible borrowers and coordinate with SBI officials to bypass standard verification protocols.
The scam operated through a sophisticated deception involving salary records:
- Fabricated Employment: Borrowers who were neither government nor PSU employees were portrayed as such using bogus documents.
- Salary Slip Discrepancies: While salary slips were shown to be issued by government departments or PSUs, the actual funds were credited to borrowers’ accounts by private firms.
- Verification Lapses: Bank officials allegedly failed to verify the “Bulk Posting” salary credits and the genuineness of employment at the time of sanctioning the loans.
The Money Trail
The CBI investigation revealed a clear trail of kickbacks. Immediately after the loan amounts were disbursed into the savings accounts of the borrowers, portions of the money were transferred to the accounts of the suspected middlemen.
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The identified middlemen include:
- Foizur Rahman (Karimganj)
- Jadid Khan (Barpeta)
- Champu Bora (Guwahati)
- Lakhyajeet Saikia (Lakhimpur)
- Dip Jyoti Saikia (Nagaon)
From these accounts, significant sums were eventually funneled back to a Punjab National Bank (PNB) account belonging to Ms. Rumi Kalita.
Legal Charge
The CBI has registered the case under the following legal frameworks:
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- Section 61(2) of the Bharatiya Nyaya Sanhita (BNS, 2023): Pertaining to criminal conspiracy.
- Section 7A of the Prevention of Corruption Act, 1988 (as amended in 2018): Relating to obtaining undue advantage to induce a public servant.
The investigation is currently being led by Inspector Bideswar Singha of the ACB Guwahati. R. Prakash, IPS, Deputy Inspector General of Police, CBI ACB Guwahati, authorized the FIR following source information indicating deep-seated corruption at the Nagaon Branch.
