Introduction:
6 Signs Aapke NBFC Me Hera-Feri Ho Raha Hai
NBFC chalana aasaan nahi hai. Daily cash handling, EMI collections, aur branch level accounting ke beech mein ek chhoti si galti bhi bade loss mein badal sakti hai.
Aur sabse badi dikkat tab hoti hai jab management ko doubt ho ki kahi accounts me manipulation ya hera-feri toh nahi ho rahi.
Fraud usually ek hi din mein nahi hota. Ye dheere-dheere chhoti irregularity se shuru hota hai aur jab tak pakad mein aata hai, tab tak kaafi nuksaan ho chuka hota hai. Agar aap ek NBFC Director ho toh yeh signals ignore karna aapke liye risky ho sakta hai.
Aayiye dekhte hain 6 signs jo batate hain ki aapke NBFC me hera-feri ho sakti hai:
1. Cash Book aur Ledger Me Difference
Ek NBFC meh Sabse common red flag ye hota hai ki cash book aur actual ledger balance match nahi ho. Ek branch me 10–20 rupaye ka farq ho sakta hai, par jab ye gap baar-baar repeat ho, toh samajh lijiye ki kahi na kahi deliberate manipulation ho raha hai.
Director ka feeling: “Daily closing toh aa rahi hai, par mujhe lagta hai ki numbers kahin na kahin fudge kiye ja rahe hain.”
Yeh ek aisa doubt hai jo ignore karne par fraud ko aur strong bana deta hai.
2. Frequent Manual Corrections
Agar accounting records me bar-bar manual overwrite ho raha hai ya “adjustment entries” har week dikh rahe hain, toh ye ek aur danger sign hai. Adjustment kabhi-kabhi genuine hote hain, par jab frequency zyada ho, toh iska matlab hai koi actual flow of cash hide kar raha hai.
Common scenario: Employees bolte hain, “Sir, system error tha” ya “branch se galti ho gayi thi” aur aap samajhte ho bas ek chhoti si mistake hai. Lekin asli kahani kuch aur ho sakti hai.
3. EMI Collection Aur Deposit Me Gap
Field officers cash EMI collect karte hain, par jab woh branch me jama karte hain, toh amount kam hota hai ya delay hota hai. Ye ek dangerous situation hai kyunki aapke NBFC ke liquidity flow par directly impact padta hai.
Aksar Directors ko yeh tab pata chalta hai jab borrower ke complaint aati hai ki “maine toh paise diye the, par aapke records me pending dikh raha hai.
4. Fake Loan Accounts Ka Banana
Fraudulent agents kabhi-kabhi fake borrowers bana kar unke naam pe loan pass kar dete hain. Starting me EMI bhi wo khud pay kar dete hain taaki suspicious na ho. Lekin jaise hi 2-3 mahine baad wo EMI band karte hain, loss NBFC ko uthana padta hai.
Director ka thought: “Mujhe laga loan book toh grow kar rahi hai, par NPA ratio bhi upar kyun ja raha hai?”
Yeh ek clear indication hai ki kahi na kahi fake entries slip in ho rahi hain.
5. Daily Collection Report Delay Hona
Agar branch se daily collection reports late aati hain ya incomplete hoti hain, toh ye ek aur red flag hai. Jab report delay hoti hai, toh employees ko time milta hai data manipulate karne ka.Director ka frustration:
“Mujhe ek simple daily snapshot chahiye, par har din ya toh late aata hai ya adhura.”
Yahi wo stage hai jahan directors ko lagta hai ki unke paas reliable control system hona chahiye
6. Unusual Staff Lifestyle Changes
Ek aur practical signal jo ignore nahi karna chahiye agar ek employee ka lifestyle suddenly upgrade ho jaata hai bina koi justified reason ke. Jaise salary wahi hai, par nayi car, naya phone aur high expenses shuru ho gaye. Aise situations me suspicion natural hai.
Ab Solution Kya Hai?
Aap fraud ke in signs ko manually track nahi kar sakte. Agar aap daily reports, cash balances aur ledger matching manually karenge, toh human error ya manipulation ka chance hamesha rahega.
Isi gap ko fill karta hai FYCIS Account Module. Isme Day Book Feature ke through aap har din ka 1-1 transaction match kar sakte ho, bina kisi delay ke. Cash book aur ledger automatically reconcile ho jaate hain, aur directors ko real-time clarity milti hai ki paisa kahan se aaya aur kahan gaya.
Yani ki manual doubt aur suspicion ke bajaye, aapke paas ek transparent proof-based system hota hai.
Why Trust FYCIS?
6 Signs Aapke NBFC Me Hera-Feri Ho Raha Hai. Aap jaante ho, fraud ka risk har NBFC me hota hai, chahe woh chhota ho ya bada. Lekin prevention tabhi hoti hai jab systems strong ho.
FYCIS ab tak 500+ Directors ko help kar chuka hai unke NBFCs ko transparent aur fraud-free banane me. Aap bhi apne NBFC ke liye ek secure aur smart framework chahte hain, toh abhi ek step lijiye.
Contact FYCIS Expert Team today.
Ek chhoti conversation bhi aapke liye ek bada difference create kar sakti hai.
