Ratnesh Pandey, Senior Executive at Utkarsh Small Finance Bank, has accused HDFC Bank employee Prince Kumar of fraud, misusing funds, and defamation. Read the full timeline, complaint details, and legal action planned.
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Complaint Summary : Fraud Allegation Against HDFC Bank Employee Prince Kumar by Ratnesh Pandey
| Complainant Name | Ratnesh Pandey |
|---|---|
| Designation | Senior Executive, Utkarsh Small Finance Bank |
| Accused | Prince Kumar, Employee at HDFC Bank (Mairwa Siwan, Bihar Branch) |
| Previous Employment of Accused | Bandhan Bank, Babhnauli Siwan Branch |
| Allegations | Fraud, Misuse of Funds, False Cyber Complaint, Defamation |
| Amount Involved | ₹10,000 (Bandhan Bank case), ₹6,000 (personal loan repayment issue) |
| Incident Timeline | Dec 2024 – July 2025 |
| Current Employer of Complainant | Cholamandalam Investment Finance Company, Joined on 14 July 2025 |
| Action Planned | Filing a Defamation (Manhani) Case |
Full Complaint Details
Ratnesh Pandey, Senior Executive at Utkarsh Small Finance Bank, has raised a serious complaint against Prince Kumar, an employee at HDFC Bank, Mairwa Siwan Branch (Bihar).
According to Mr. Pandey’s statement:
- Fraud at Bandhan Bank:
- While employed at Bandhan Bank (Babhnauli Siwan Branch), Prince Kumar allegedly took ₹10,000 in cash from Manager Mr. Himanshu Kumar Rai.
- He resigned shortly afterward and later returned the money via bank transfer.
- However, he then filed a false cyber complaint against the manager.
- Borrowing Personal Money:
- Prince Kumar approached Mr. Pandey, stating his wife was unwell.
- Out of sympathy, Mr. Pandey lent him ₹6,000.
- This money was repaid after six months, in two installments: ₹5,000 followed by ₹1,000.
- Defamation and Harassment:
- Despite the repayment, the relationship between both individuals deteriorated.
- Prince Kumar has allegedly started defaming Mr. Pandey on social media.
- He is accused of targeting Mr. Pandey’s current employer, Cholamandalam Investment Finance Company, where Mr. Pandey joined on 14 July 2025.
Mr. Pandey also mentioned that Prince Kumar had transferred money to his account on 4 December 2024, which proves that the accusations being circulated against him are misleading and intended to damage his reputation.
Legal Action Planned
Mr. Ratnesh Pandey has decided to file a defamation case against Prince Kumar. The main reasons for this legal step include:
- Attempted character assassination through false claims.
- Defamation of Cholamandalam Investment Finance Company, his current employer.
- Emotional harassment and repeated false allegations on social media.
Conclusion
This case raises concerns about professional integrity in the banking sector, where trust is the foundation of customer relationships. Allegations of fraud, misuse of funds, and defamation not only damage personal reputation but also harm the credibility of financial institutions.
The complaint against Prince Kumar (HDFC Bank employee) is serious and is now expected to move into a legal battle, as Mr. Pandey prepares to file a defamation suit.
Choice4Voice.com continues to highlight genuine consumer and employee complaints to ensure accountability across sectors.
Frequently Asked Questions (FAQs)
Q1. Who has filed a complaint against HDFC Bank employee Prince Kumar?
A1. The complaint has been filed by Ratnesh Pandey, Senior Executive at Utkarsh Small Finance Bank.
Q2. What are the main allegations against Prince Kumar?
A2. Fraud, misuse of funds, filing a false cyber complaint, and defaming the complainant on social media.
Q3. At which branch of HDFC Bank does Prince Kumar currently work?
A3. Prince Kumar is employed at HDFC Bank, Mairwa Siwan Branch, Bihar.
Q4. What is the amount involved in the fraud allegations?
A4. ₹10,000 (Bandhan Bank incident) and ₹6,000 (personal loan taken from Ratnesh Pandey).
Q5. Did Prince Kumar return the borrowed money?
A5. Yes, he returned it in two parts ₹5,000 first and ₹1,000 later, after six months.
Q6. Why is Ratnesh Pandey filing a defamation case?
A6. Because Prince Kumar has allegedly defamed him and his current employer on social media.
Q7. Which company does Ratnesh Pandey currently work for?
A7. He is employed with Cholamandalam Investment Finance Company, Siwan Branch.
Q8. When did Ratnesh Pandey join Cholamandalam Investment Finance Company?
A8. On 14 July 2025.
Q9. What proof does Ratnesh Pandey have against Prince Kumar?
A9. Bank transfer records from 4 December 2024, showing repayment of borrowed money.
Q10. Where did the first fraud allegation take place?
A10. At Bandhan Bank, Babhnauli Siwan Branch, where Prince Kumar previously worked.
Q11. Who was the manager at Bandhan Bank during the alleged fraud?
A11. Mr. Himanshu Kumar Rai.
Q12. What action was taken by the manager when money was not returned?
A12. The amount was later returned by Prince Kumar, but he filed a false cyber complaint afterward.
Q13. What kind of harassment has been alleged?
A13. Social media defamation and attempts to malign Mr. Pandey’s professional image.
Q14. Which law applies in cases of defamation in India?
A14. Defamation cases in India can be filed under Section 499 and 500 of the Indian Penal Code (IPC).
Q15. Can bank employees be held legally liable for personal fraud?
A15. Yes, if proven, they can face both civil and criminal action.
Q16. How does social media defamation affect professional reputation?
A16. Negative posts can damage credibility, employer reputation, and future career prospects.
Q17. Why is this case significant for consumers and employees?
A17. It highlights the need for accountability and ethical conduct in the banking and finance sector.
Q18. What steps can employees take if defamed online?
A18. They can file a defamation case and submit proof of false claims.
Q19. What should banks do to prevent reputational risks?
A19. Ensure thorough background checks, internal investigations, and strict disciplinary actions.
Q20. How does Choice4Voice.com help in such cases?
A20. Choice4Voice.com publishes genuine complaints to hold companies and individuals accountable, ensuring consumer and employee rights are protected.
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