We are afraid since countries all over the world have expelled their students from here.

Collusion's result:

The majority of the con artists are well-known individuals. They are in cahoots with the bankers. As a result, everything appears to be in order on the outside, but the scams continue on the inside. By the time the scams are discovered, the perpetrators have fled to another country. 

Nowadays, there is a great deal of political intervention in the administrative operations of banks, which has an impact on the investigation of scams, and clients data-face the brunt of it. Furthermore, the investigative procedure is slow and extensive, causing the decision to take a long time. As a result, there is little fear of the law, and scams continue.

It is necessary to take decisive action:

Whether it's with commercial banks or the government, it's becoming the norm. Ordinary individuals find it difficult to obtain loans, yet some people manage to pilfer crores of rupees.

Ineffective policing:

Scams are getting more widespread these days, as are bank robberies. The policing system is its biggest flaw. Cases of government colluding with thieves have also surdata-faced in some regions.

For the sake of auditing:

Scams involving banks continue to occur in our country because our banking system is ineffective. Only jargon and cover-up are used in the name of the audit. To avoid bank scams, drastic reforms in the legislation are required.

Loans are only given to important persons:

Banks make loans to help businesses grow, while bank officials and politicians give more loans to persons in positions of power than they can handle. On the company's paperwork, loans worth thousands of crores are disbursed, but small dealers struggle to acquire loans of even $50,000. 

In reality, banks only lend to large industrial firms, and politically strong individuals or their relatives. As a result, bank fraud is on the rise.

Without verifying everything thoroughly:

The main cause of the surge in non-performing assets is bank fraud. Even if the schemes are not effectively probed, bank scams continue.

Bank officials' role:

Without the help of a bank official, no bank scam is conceivable. people defraud the banks because they are greedy. Many times, bankers approve a loan without thoroughly scrutinizing the documentation to fulfill a deadline. 

Customers with criminal tendencies are stimulated if the bank fails to pay their debts. Even when scams are exposed, consumers are unconcerned owing to the slow and lengthy judicial investigation procedure.

The fundamental factor is political interference:

Political influence is the fundamental reason why bank scams haven't ceased. Employee cooperation and greed are also significant factors.

Political favouritism has aggravated the situation:

Political patronage had little effect on bank fraud. Loans are given to the common man after examining his assets and income, yet loans of crores and billions of rupees are issued to powerful persons without examination at the behest of politicians.

Loans are difficult to come by for the average person:

If a common person's installment is not deposited for three months or even one month, the banks begin pestering him or her, while the recovery from large institutions is neglected. Scammers and common people do not have easy access to banks.