{"id":3200,"date":"2025-07-15T18:40:26","date_gmt":"2025-07-15T18:40:26","guid":{"rendered":"https:\/\/noveltyofsilver.com\/services\/?p=3200"},"modified":"2025-07-15T18:47:17","modified_gmt":"2025-07-15T18:47:17","slug":"icici-bank-exposed-know-the-facts-14-documented-frauds-forgeries-judicial-manipulations-unveiled-msme-borrower-suneil-chaudharys-story-of-betrayal-illegal-possession-denied","status":"publish","type":"post","link":"https:\/\/noveltyofsilver.com\/services\/icici-bank-exposed-know-the-facts-14-documented-frauds-forgeries-judicial-manipulations-unveiled-msme-borrower-suneil-chaudharys-story-of-betrayal-illegal-possession-denied\/","title":{"rendered":"ICICI Bank Exposed: Know the Facts \u2013 14 Documented Frauds, Forgeries & Judicial Manipulations Unveiled. MSME Borrower Suneil Chaudhary’s Story of Betrayal, Illegal Possession & Denied Justice"},"content":{"rendered":"\n

\ud83d\udd34 List of Alleged Frauds and Violations by ICICI Bank<\/strong><\/h2>\n\n\n\n

I. \ud83d\udd10 Forgery & Fabrication of Legal Documents<\/strong><\/h3>\n\n\n\n
    \n
  1. Forgery of Mortgage Deeds<\/strong>
    <\/strong>\n
      \n
    • ICICI Bank allegedly forged equitable mortgage deeds using blank signed stamp papers.
      <\/li>\n\n\n\n
    • No registered mortgage deed under Sec. 17 of the Indian Registration Act.
      <\/li>\n\n\n\n
    • \u274c Violation: Sec. 464 IPC (Forgery), Sec. 463, Sec. 468.
      <\/li>\n\n\n\n
    • \ud83d\udcdc Case Law<\/em>: S.P. Chengalvaraya Naidu v. Jagannath<\/em> (1994) \u2014 Forgery renders decree void.
      <\/li>\n<\/ul>\n<\/li>\n\n\n\n
    • Production of False Documents in DRT & Courts<\/strong>
      <\/strong>\n
        \n
      • Fabricated \u201cIrrevocable Power of Attorney\u201d, Undertakings, Declaration-cum-Affidavit produced without lawful execution or registration.
        <\/li>\n\n\n\n
      • \u274c Violations: IPC Sec. 471 (Using forged documents as genuine).
        <\/li>\n\n\n\n
      • \ud83d\udcdc Case Law<\/em>: A.S. Krishna v. State of Maharashtra<\/em> AIR 1966 SC 119 \u2014 Deliberate use of false evidence violates judicial sanctity.
        <\/li>\n<\/ul>\n<\/li>\n\n\n\n
      • Use of Blank Signed Documents<\/strong>
        <\/strong>\n
          \n
        • Bank allegedly obtained blank facility agreements, stamp papers, disbursement forms and inserted false entries.
          <\/li>\n\n\n\n
        • \u274c Violation: Indian Contract Act Sec. 10 (Free consent), Sec. 17 (Fraud).
          <\/li>\n\n\n\n
        • \ud83d\udcdc Case Law<\/em>: K.K. Modi v. K.N. Modi<\/em>, AIR 1998 SC 1297.
          <\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n
          \n\n\n\n

          II. \ud83d\udcb0 Loan Sanction and Disbursement Frauds<\/strong><\/h3>\n\n\n\n
            \n
          1. Non-disbursement of Sanctioned Loan<\/strong>
            <\/strong>\n
              \n
            • Only \u20b937.16 lakhs disbursed out of \u20b92.5 crores sanctioned.
              <\/li>\n\n\n\n
            • Caused default by closing existing facilities of \u20b993 lakhs from UUCB and NBFCs.
              <\/li>\n\n\n\n
            • \u274c Violation: ICA Sec. 73 (Loss from breach), Sec. 25 (Failure of consideration).
              <\/li>\n\n\n\n
            • \ud83d\udcdc Case Law<\/em>: Union of India v. Chaman Lal Loona<\/em>, AIR 1957 SC 652 \u2014 Contract void if consideration fails.
              <\/li>\n<\/ul>\n<\/li>\n\n\n\n
            • False Representation in Disbursement Schedule<\/strong>
              <\/strong>\n
                \n
              • Fake ledger entries shown as disbursed without actual credit to borrower\u2019s account.
                <\/li>\n\n\n\n
              • \u274c Violation: RBI Master Circular on Loan Disbursement; Banking Regulation Act Sec. 10B.
                <\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n
                \n\n\n\n

                III. \ud83d\udcc4 Stamp & Legal Execution Frauds<\/strong><\/h3>\n\n\n\n
                  \n
                1. Blank Stamp Undertakings<\/strong>
                  <\/strong>\n
                    \n
                  • Misuse of blank Rajasthan stamp undertakings filled later for mortgage legality without informing the borrower.
                    <\/li>\n\n\n\n
                  • \u274c Violation: Indian Stamp Act Sec. 35 (Invalidity without proper stamping).
                    <\/li>\n<\/ul>\n<\/li>\n\n\n\n
                  • Unregistered Agreements Presented as Valid<\/strong>
                    <\/strong>\n
                      \n
                    • Facility Agreements not properly dated, undated declarations used, non-notarized POAs produced in DRT.
                      <\/li>\n\n\n\n
                    • \ud83d\udcdc Case Law<\/em>: K.K. Bhalla v. DDA<\/em>, (2011) 5 SCC 523 \u2014 Unregistered documents not enforceable.
                      <\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n
                      \n\n\n\n

                      IV. \u2696\ufe0f Judicial Misrepresentation & Suppression<\/strong><\/h3>\n\n\n\n
                        \n
                      1. Suppression of Borrower’s Rights in DRT\/DRAT<\/strong>
                        <\/strong>\n
                          \n
                        • Issues raised in IA (Interlocutory Applications) never answered.
                          <\/li>\n\n\n\n
                        • DRT Jaipur dismissed SA-351\/2024 on Dated : 08-05-2025 without heard on merit and without examining fraud allegations.
                          <\/li>\n\n\n\n
                        • \u274c Violation: SARFAESI Act Sec. 17 read with Art. 14, 21 of Constitution.
                          <\/li>\n<\/ul>\n<\/li>\n\n\n\n
                        • False Narrative by Co-Borrowers and Advocate<\/strong>
                          <\/strong>\n
                            \n
                          • Claimed borrower spent money on luxury and didn’t pay EMI \u2014 contradictory to records of EMIs paid.
                            <\/li>\n\n\n\n
                          • Used to manipulate DRT Officer and deny relief.
                            <\/li>\n\n\n\n
                          • \ud83d\udcdc Case Law<\/em>: Dalip Singh v. State of U.P.<\/em>, (2010) 2 SCC 114 \u2014 Litigants approaching court must come with clean hands.
                            <\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n
                            \n\n\n\n

                            V. \ud83d\uded1 Misuse of Force and Illegal Possession<\/strong><\/h3>\n\n\n\n
                              \n
                            1. Illegal Possession by Recovery Team<\/strong>
                              <\/strong><\/li>\n<\/ol>\n\n\n\n
                                \n
                              • Eviction on 09-03-2025 using force despite DRT reliefs.
                                <\/li>\n\n\n\n
                              • Recovery Manager Nitin Joshi with 30 people allegedly violated all norms of SARFAESI Sec. 13(4), 14.
                                <\/li>\n\n\n\n
                              • \u274c Violation: Article 21 \u2013 Right to Dignity & Livelihood.
                                <\/li>\n\n\n\n
                              • \ud83d\udcdc Case Law<\/em>: K.S. Puttaswamy v. Union of India<\/em>, 2017 (9) SCC 1.
                                <\/li>\n<\/ul>\n\n\n\n
                                  \n
                                1. Inhuman Treatment of MSME Borrower<\/strong>
                                  <\/strong><\/li>\n<\/ol>\n\n\n\n
                                    \n
                                  • Serious sciatica patient (user) forced to carry bags during eviction.
                                    <\/li>\n\n\n\n
                                  • \u274c Violation: NHRC Guidelines, Human Rights Protection Act Sec. 12.
                                    <\/li>\n\n\n\n
                                  • \ud83d\udcdc Case Law<\/em>: Francis Coralie Mullin v. Union Territory of Delhi<\/em>, AIR 1981 SC 746.
                                    <\/li>\n<\/ul>\n\n\n\n
                                    \n\n\n\n

                                    VI. \ud83c\udfdb\ufe0f Regulatory and Statutory Non-compliance<\/strong><\/h3>\n\n\n\n
                                      \n
                                    1. Violation of RBI Circulars for MSME Relief (COVID)<\/strong>
                                      <\/strong><\/li>\n<\/ol>\n\n\n\n
                                        \n
                                      • Refused restructuring\/rescheduling under RBI circulars.
                                        <\/li>\n\n\n\n
                                      • \u274c Violation: RBI Circular dated 06-08-2020 (Resolution Framework for COVID-19).
                                        <\/li>\n<\/ul>\n\n\n\n
                                          \n
                                        1. Non-Compliance with RBI KYC\/Communication Norms<\/strong>
                                          <\/strong><\/li>\n<\/ol>\n\n\n\n
                                            \n
                                          • Despite updated contact details, never informed the main borrower about key loan actions or alleged foreclosure.
                                            <\/li>\n\n\n\n
                                          • \ud83d\udcdc Case Law<\/em>: Canara Bank v. Amar Nath<\/em>, AIR 2000 SC 3629 \u2014 Procedural fairness required in banking actions.
                                            <\/li>\n<\/ul>\n\n\n\n
                                              \n
                                            1. Retention of Collateral Title Documents<\/strong>
                                              <\/strong><\/li>\n<\/ol>\n\n\n\n
                                                \n
                                              • Despite closure of prior NBFC\/UUCB loans, ICICI retained joint property collateral unlawfully.
                                                <\/li>\n\n\n\n
                                              • \u274c Violation: ICA Sec. 72 (Obligation to return benefit obtained without right).
                                                <\/li>\n<\/ul>\n\n\n\n
                                                \n\n\n\n

                                                \ud83d\udd0e Updated Master List of Fraud, Forgery & Illegality by ICICI Bank \u2013 Case of Mr. Suneil Chaudhary (MSME Borrower)<\/strong><\/h2>\n\n\n\n

                                                \ud83d\udccc SECTION I \u2013 Forgery, Coercion & Document Fraud<\/strong><\/h3>\n\n\n\n
                                                  \n
                                                1. Use of Blank Signed Documents<\/strong>
                                                  <\/strong>\n
                                                    \n
                                                  • Facility Agreement, Stamp Undertakings, POA, and Declaration forms [Docs 12\u201315] show blanks for borrower\u2019s name, loan amount, property, and date.
                                                    <\/li>\n\n\n\n
                                                  • \u274c Violation: Negotiable Instruments Act Sec. 20; Indian Contract Act Sec. 17, 19.
                                                    <\/li>\n\n\n\n
                                                  • \ud83d\udcdc Case Law<\/em>: Lily Thomas v. Union of India<\/em>, AIR 2000 SC 1650.
                                                    <\/li>\n<\/ul>\n<\/li>\n\n\n\n
                                                  • Fraudulent Insertion After Signature<\/strong>
                                                    <\/strong>\n
                                                      \n
                                                    • Details were filled in after<\/em> the borrower’s signature without consent.
                                                      <\/li>\n\n\n\n
                                                    • \u274c Violation: IPC Sec. 464\u2013471 (Forgery, False Document).
                                                      <\/li>\n\n\n\n
                                                    • \ud83d\udcdc Case Law<\/em>: S.P. Chengalvaraya Naidu v. Jagannath<\/em> (1994) 1 SCC 1.
                                                      <\/li>\n<\/ul>\n<\/li>\n\n\n\n
                                                    • Loan Type Misrepresented<\/strong>
                                                      <\/strong>\n
                                                        \n
                                                      • MSME export loan deceptively converted into a \u201cHome Loan\u201d or \u201cTop-Up Loan\u201d on record.
                                                        <\/li>\n\n\n\n
                                                      • \u274c Violation: ICA Sec. 18 (Misrepresentation), Sec. 23 (Unlawful Object).
                                                        <\/li>\n\n\n\n
                                                      • \ud83d\udcdc Case Law<\/em>: National Insurance v. Seema Malhotra<\/em>, AIR 2001 SC 1122.
                                                        <\/li>\n<\/ul>\n<\/li>\n\n\n\n
                                                      • Unregistered Mortgage Presented as Legal Security<\/strong>
                                                        <\/strong>\n
                                                          \n
                                                        • No registered mortgage under the Indian Registration Act, yet SARFAESI proceedings invoked.
                                                          <\/li>\n\n\n\n
                                                        • \u274c Violation: Supreme Court ruling \u2013 K.J. Nathan v. S.V. Maruthi Rao<\/em>, AIR 1965 SC 430.
                                                          <\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n
                                                          \n\n\n\n

                                                          \ud83d\udccc SECTION II \u2013 NPA Classification & SARFAESI Misuse<\/strong><\/h3>\n\n\n\n
                                                            \n
                                                          1. Void Ab Initio NPA Declaration<\/strong>
                                                            <\/strong>\n
                                                              \n
                                                            • ICICI\u2019s officer Pankaj Champawat declared account as NPA on 31-08-2020 without jurisdiction, prior notice, or eligibility.
                                                              <\/li>\n\n\n\n
                                                            • \u274c Violation: SARFAESI Sec. 13(2) not followed.
                                                              <\/li>\n\n\n\n
                                                            • \ud83d\udcdc Case Law<\/em>: Transcore v. Union of India<\/em>, (2006) 5 SCC 752 \u2014 NPA classification must follow statutory process.
                                                              <\/li>\n<\/ul>\n<\/li>\n\n\n\n
                                                            • No Section 13(2) Notice or Debt Due Certificate<\/strong>
                                                              <\/strong>\n
                                                                \n
                                                              • SARFAESI proceedings begun illegally without valid pre-conditions.
                                                                <\/li>\n\n\n\n
                                                              • \u274c Violation: SARFAESI Act Sec. 13, 14; RDB Act Sec. 19(2).
                                                                <\/li>\n\n\n\n
                                                              • \ud83d\udcdc Case Law<\/em>: Mardia Chemicals v. Union of India<\/em>, AIR 2004 SC 2371.
                                                                <\/li>\n<\/ul>\n<\/li>\n\n\n\n
                                                              • Possession of Property at 19, Alkapuri Without Jurisdiction<\/strong>
                                                                <\/strong>\n
                                                                  \n
                                                                • No registered mortgage, no debt certificate, no proper DRT adjudication.
                                                                  <\/li>\n\n\n\n
                                                                • \u274c Violation: Article 300A (Right to Property) and SC rulings.
                                                                  <\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n
                                                                  \n\n\n\n

                                                                  \ud83d\udccc SECTION III \u2013 Judicial Misconduct and Procedural Injustice<\/strong><\/h3>\n\n\n\n
                                                                    \n
                                                                  1. SA-339\/2021 Was a Fraudulent Application<\/strong>
                                                                    <\/strong>\n
                                                                      \n
                                                                    • Filed using mother\u2019s blank cheque, forged signature, and emotional manipulation.
                                                                      <\/li>\n\n\n\n
                                                                    • Created to falsely portray borrower as absconding and property ready for sale.
                                                                      <\/li>\n\n\n\n
                                                                    • \u274c Violates: CPC Sec. 151; ICA Sec. 17, 18.
                                                                      <\/li>\n<\/ul>\n<\/li>\n\n\n\n
                                                                    • Valid SA-351\/2024 by Borrower Dismissed Without Hearing<\/strong>
                                                                      <\/strong>\n
                                                                        \n
                                                                      • DRT Jaipur dismissed the borrower\u2019s rightful petition based on fake oral statements (regarding High Court \u201cpre-deposit\u201d).
                                                                        <\/li>\n\n\n\n
                                                                      • \u274c Violation: RDB Act Sec. 22(2)(e); Principles of Natural Justice.
                                                                        <\/li>\n<\/ul>\n<\/li>\n\n\n\n
                                                                      • DRT PO Influenced in Private Chamber<\/strong>
                                                                        <\/strong><\/li>\n<\/ol>\n\n\n\n
                                                                          \n
                                                                        • Sharad Joshi and ICICI Advocate Abhishek Bhandari allegedly held ex parte meeting with PO Vimal Gupta (ex-Aurangabad).
                                                                          <\/li>\n\n\n\n
                                                                        • \u274c Violation: Judicial conduct rules; Conflict of Interest doctrine.
                                                                          <\/li>\n<\/ul>\n\n\n\n
                                                                          \n\n\n\n

                                                                          \ud83d\udccc SECTION IV \u2013 Breach of Financial Laws & MSME Protections<\/strong><\/h3>\n\n\n\n
                                                                            \n
                                                                          1. Violation of RBI Framework 2.0 (COVID Moratorium)<\/strong>
                                                                            <\/strong><\/li>\n<\/ol>\n\n\n\n
                                                                              \n
                                                                            • ICICI Bank rejected restructuring despite eligibility under RBI MSME Circular (Aug 6, 2020).
                                                                              <\/li>\n\n\n\n
                                                                            • \u274c Violates RBI Master Circular & Supreme Court directions in Small Scale Industries v. UOI<\/em>.
                                                                              <\/li>\n<\/ul>\n\n\n\n
                                                                                \n
                                                                              1. RBI MSME Classification & Loan Diversion Ignored<\/strong>
                                                                                <\/strong><\/li>\n<\/ol>\n\n\n\n
                                                                                  \n
                                                                                • \u20b975 lakhs illegally diverted to UUCB without borrower\u2019s consent.
                                                                                  <\/li>\n\n\n\n
                                                                                • Less than \u20b938 lakhs ever credited to the borrower\u2019s account.
                                                                                  <\/li>\n<\/ul>\n\n\n\n
                                                                                  \n\n\n\n

                                                                                  \ud83d\udccc SECTION V \u2013 Personal Betrayal & Conspiracy by Trusted Parties<\/strong><\/h3>\n\n\n\n
                                                                                    \n
                                                                                  1. Betrayal by DRT Advocate Sharad Joshi<\/strong>
                                                                                    <\/strong><\/li>\n<\/ol>\n\n\n\n
                                                                                      \n
                                                                                    • Initially retained by borrower (paid \u20b925,000 in presence of Sr. Adv. Gopal Sanadya), he later sided with bank.
                                                                                      <\/li>\n\n\n\n
                                                                                    • Misrepresented facts and manipulated DRT officer.
                                                                                      <\/li>\n<\/ul>\n\n\n\n
                                                                                        \n
                                                                                      1. Conspiracy by CA + Co-Borrower Brothers<\/strong>
                                                                                        <\/strong><\/li>\n<\/ol>\n\n\n\n
                                                                                          \n
                                                                                        • Brothers Rahul and Praveen received \u20b950L and \u20b932L from father\/mother-funded loans but now claim borrower defaulted.
                                                                                          <\/li>\n\n\n\n
                                                                                        • CA colluded to fabricate story that mother wants to settle loan by selling her house.
                                                                                          <\/li>\n<\/ul>\n\n\n\n
                                                                                            \n
                                                                                          1. Kidnapping of Elderly Mother & Use of Her Identity<\/strong>
                                                                                            <\/strong><\/li>\n<\/ol>\n\n\n\n
                                                                                              \n
                                                                                            • On 09-03-2025, mother allegedly taken to unknown location during ICICI\u2019s illegal eviction; used to fabricate consent.
                                                                                              <\/li>\n\n\n\n
                                                                                            • \u274c Violates: IPC Sec. 342, 365, 506; Human Rights Protection Act.
                                                                                              <\/li>\n<\/ul>\n\n\n\n
                                                                                              \n\n\n\n

                                                                                              \ud83d\udccc SECTION VI \u2013 Global Legal Exposure & Export Damages<\/strong><\/h3>\n\n\n\n
                                                                                                \n
                                                                                              1. Collapse of \u20b932 Crore Export Contracts<\/strong>
                                                                                                <\/strong><\/li>\n<\/ol>\n\n\n\n
                                                                                                  \n
                                                                                                • Foreign buyers from U.S.\/EU unable to receive shipment due to ICICI actions.
                                                                                                  <\/li>\n\n\n\n
                                                                                                • Potential global litigation under FCPA, RICO (U.S.) and Alien Tort Act.
                                                                                                  <\/li>\n<\/ul>\n\n\n\n
                                                                                                    \n
                                                                                                  1. Violation of ICA Sec. 73 & 75 \u2013 Compensation Due<\/strong>
                                                                                                    <\/strong><\/li>\n<\/ol>\n\n\n\n
                                                                                                      \n
                                                                                                    • Borrower entitled to damages from breach of disbursal contract and good-faith reliance.
                                                                                                      <\/li>\n<\/ul>\n\n\n\n
                                                                                                      \n\n\n\n

                                                                                                      \ud83d\udcdc Legal Citations Summary Table<\/strong><\/h3>\n\n\n\n
                                                                                                      Offense<\/strong><\/td>Section(s) Violated<\/strong><\/td>Supporting Case Law<\/strong><\/td><\/tr>
                                                                                                      Forgery & Misuse of Blanks<\/td>IPC 464\u2013471<\/td>S.P. Chengalvaraya Naidu<\/em><\/td><\/tr>
                                                                                                      Misrepresentation<\/td>ICA Sec. 17, 18<\/td>LIC of India v. Consumer Education<\/em><\/td><\/tr>
                                                                                                      Fraudulent Loan Conversion<\/td>ICA Sec. 23, 25<\/td>K.K. Modi v. K.N. Modi<\/em><\/td><\/tr>
                                                                                                      Illegal Possession<\/td>SARFAESI Sec. 13(2), 14<\/td>Mardia Chemicals v. UOI<\/em><\/td><\/tr>
                                                                                                      Unlawful NPA<\/td>RBI Master Circular<\/td>Transcore v. Union of India<\/em><\/td><\/tr>
                                                                                                      Denial of Natural Justice<\/td>RDB Act Sec. 22(2)(e)<\/td>A.K. Kraipak v. Union of India<\/em><\/td><\/tr>
                                                                                                      Suppression of Facts<\/td>CPC 151 + RTI Act<\/td>Dalip Singh v. State of UP<\/em><\/td><\/tr>
                                                                                                      MSME Relief Rejected<\/td>RBI Circular 6-8-2020<\/td>Essar Steel Case<\/em><\/td><\/tr>
                                                                                                      Elder Abuse\/Kidnapping<\/td>IPC 342, 365, 506<\/td>NHRC Guidelines<\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"excerpt":{"rendered":"

                                                                                                      \ud83d\udd34 List of Alleged Frauds and Violations by ICICI Bank I. \ud83d\udd10 Forgery & Fabrication of Legal Documents II. \ud83d\udcb0 Loan Sanction and Disbursement Frauds III. \ud83d\udcc4 Stamp & Legal Execution Frauds IV. \u2696\ufe0f Judicial Misrepresentation & Suppression V. \ud83d\uded1 Misuse of Force and Illegal Possession VI. \ud83c\udfdb\ufe0f Regulatory and Statutory Non-compliance \ud83d\udd0e Updated Master […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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