🔍 Scam Ka Modus Operandi (Kaise kiya gaya fraud?)
DHFL ne 2.6 lakh fake loan accounts banaye jo real mein exist hi nahi karte the.
In accounts ke naam pe loan sanction kiya gaya, par paisa real borrowers ke paas nahi gaya.
Ye paisa shell companies ke zariye Wadhawan brothers ke control mein wale firms mein transfer kar diya gaya.
Books mein bataya gaya ki loan "standard" hai, par real mein repayment kabhi hua hi nahi.
👨💼 Main Accused Kaun The?
Kapil Wadhawan (Chairman)
Dheeraj Wadhawan (Director)
In dono ne hi scam ka main plan banaya aur paisa divert kiya family-owned dummy companies ke through.
🏦 Scam Ki Impact Kahan Kahan Pada?
Banks: SBI, Yes Bank, Union Bank jaise banks ka paisa ismein doob gaya.
Mutual Funds: Franklin Templeton, Axis, Kotak, etc. ne DHFL ke bonds kharide the — investors ka paisa risk mein chala gaya.
Stock Market: DHFL ka share ₹600+ se girkar ₹10 ke neeche aa gaya.
Public Trust: NBFCs par se bharosa kam ho gaya.
📆 Timeline – DHFL Scam Ki Kahani:
Year Event
2010s Fake loan creation shuru
Jan 2019 Cobrapost ne expose kiya ₹31,000 crore ka scam
Late 2019 Company default kar gayi
2020 ED, CBI ne investigation shuru ki
2021 Piramal Group ne DHFL acquire kiya (Resolution process under IBC)
2023–24 CBI ne Wadhawan brothers pe charge sheet file ki
⚖️ CBI, ED, और SEBI Ka Role
CBI ne criminal investigation kiya aur Wadhawan brothers ko arrest kiya.
ED ne money laundering angle se assets seize kiye.
SEBI ne corporate governance rules ko aur strict banaya.
📉 DHFL Scam Ke Lessons
Loan approvals mein transparency honi chahiye.
NBFCs ko bhi banks ki tarah strict audit aur compliance rules follow karne chahiye.
Investors ko high returns ke lalach mein risky bonds mein invest karne se pehle due diligence karni chahiye.
✅ Summary (Saar)
DHFL scam ne dikhaya ki financial institutions mein transparency aur governance kitni important hoti hai. ₹31,000 crore ka yeh scam sirf ek accounting fraud nahi tha, balki public aur institutional investors ka trust todne wala incident tha.
📌 FAQs:
Q1. DHFL Scam kitne crore ka tha?
👉 ₹31,000+ crore ka fraud report kiya gaya tha.
Q2. Ismein kaun accused the?
👉 Kapil Wadhawan & Dheeraj Wadhawan — DHFL ke top management mein.
Q3. Kya paisa recover hua?
👉 Company IBC (Insolvency) ke through Piramal ne li, par full recovery mushkil hai.
🙋♂️ Conclusion
DHFL scam sirf ek financial crime nahi tha — yeh ek warning thi har investor, regulator aur financial institution ke liye. Trust build karna time leta hai, par ek scam use ek second mein tod sakta hai. Isliye, chahe aap investor ho ya borrower, transparency, audit aur vigilance kaafi zaroori hai.
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