VAISHALI LUCKY NAGARIA 2026:CGHC:7894 VAISHALI LUCKY NAGARIA Date: 2026.02.14 13:08:52 +0530 HIGH COURT OF CHHATTISGARH AT BILASPUR MCRCA No. 225 of 2026 • Gopal Maharaj S/o Late Mahesh Maharaj Aged About 35 Years R/o Ward No. 6, Koriya Colliery , Chirimiri, Police Station And Tehsil - Chirmiri District- Manendragarh- Chirmiri - Bharatpur (M.C.B.)

(C.G.)

... Applicant versus • State of Chhattisgarh Through Station House Officer, Police Station Chirimiri District- Manendragarh- Chirmiri - Bharatpur (M.C.B.)

(C.G.)

... Respondent (Cause title is taken from Case Information System) For Applicant : Mr. Ali Afzal Mirza, Advocate For Respondent/State : Mr. Shailendra Sharma, Panel Lawyer Hon'ble Shri Ramesh Sinha , Chief Justice

Order on Board

12.02.2026

1. This is the First bail application filed under Section 483 of the Bhartiya Nagrik Suraksha Sanhita, 2023 for grant of regular bail to the applicants arrested in connection with Crime No.47/2026 registered at Police Station – Chirmiri, District – Manendragarh- Chirmiri-Bharatpur (C.G.) for the offence punishable under Sections 318(4) of the Bharatiya Nyaya Sanhita, 2023 (BNS).

2. The case presented by the prosecution against the applicant is that the complainant Vikram Singh on 23.01.2026 lodged a written report stating that on 25.07.2024, the complainant took Rs. 4,60,000/- from Punjab National Bank Haldibadi bearing account No. 739200KU00000681, the applicant took a loan in the name of the complainant from Punjab National Bank, and have impersonated himself as a Bank Agent in order to cheat the complainant, and making used of the applicant's good connection the complainant asked the applicant to get him a loan of Rs. 50,000/-, subsequent to which the applicant asked for the complainant's PAN Card, Aadhar Card, Ration Card and other documents, the documents were handed over to the applicant and thereafter the complainant got a call from the applicant in order to open the said account. On 25.07.2024 the complainant was call to the Bank by the applicant and he was told that his loan has been approved, when the complainant reached the Bank the applicant took his check and got is signed, thereafter he withdrew the money and the applicant kept the money with him. Later the applicant gave Rs. 40,000/- via Phone-Pay and told him Rs. 10,000/- was the cost of the loan, after a few months the complainant received a cali from the Bank stating that a loan of Rs. 5,00,000/- has been taken out of his name and that he should repaid. Then the complainant's spoke to the applicant, then the applicant told him that he would pay of Rs. 4,50,000/- loan installment and that the complainant will only have to pay Rs. 50,000/- of the loan amount. Subsequently the applicant paid the loan installment and the complainant gave him Rs. 4,800/- for the payment of the loan installment. The complainant got to know that the applicant had only paid a few installment of the loan and had not paid the remaining. Thereby the applicant in- disguise of getting the complainant a loan of Rs. 50,000/- has defrauded him of Rs. 4,60,000/-. The Bank employees did not obtained any information from the complainant while issuing the loan and withdrawing the loan amount, which was also not directly transferred to the complainant. Furthermore the bank sent a legal notice and the complainant got to know that the loan had been taken in name of his textile business and even though no work has been done for the purpose of the said textile business. It is pertinent to mention that neither any bank employee enquired and investigate the matter before approving the loan, which leaves the possibility of the bank employees being hand in gloves with the applicant in the alleged crime and similarly two other persons namely Vinod Kumar for Rs. 50,000/- and Jairam for Rs. 1,20,000/- have been cheated by the present applicant. On the basis of the report made by the complainant police Station Chirmiri registered an FIR for the offences punishable U/s