Jammu, Dec 15: The J&K Police filed a 382-page charge sheet on Friday against two women constables, Nirmal Kour Saini and Arti Sharma, accusing them of orchestrating a chit fund scam totaling Rs 1.87 crore. The charge sheet, submitted by the Crime Branch, alleges that the constables, posted in IRP 15th Battalion, engaged in a criminal conspiracy, deceiving their co-employees by promising lucrative returns on investments.
The investigation exposed the fraudulent activities, with Nirmal Kour Saini purportedly taking Rs 1 lakh each from victims, promising monthly interest returns of Rs 5,000. However, neither the promised interest nor the principal amount was repaid, leading to accusations of cheating and misappropriation.
Further revelations indicated that Saini, in collaboration with her husband Mohinder Singh Saini and fellow constable Arti Sharma, amassed significant cash and gold not only from complainants but also from other women officials within the 15th Battalion and security wing. The funds were allegedly deposited with a finance company, and the gold with Manappuraam Bank, for personal use. The accused are accused of cheating and misappropriating approximately Rs 1.50 crore and around 300 grams of gold.
The investigation also disclosed that the accused ventured into the business of electronic gadgets and furniture items at the Battalion headquarters, purportedly to gain the confidence of unsuspecting investors.
The charges against both constables include Sections 420, 404, and 120, pertaining to cheating, duping, and criminal conspiracy. The preliminary charge sheet has been filed, while the investigation continues.
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