Woman Creates Fraudulent Documentation in Failed Attempt to Obtain ₹3.5 Million Education Loan
MOGA, PUNJAB
A shocking case of document forgery has come to light in Moga, Punjab, where a woman fabricated her father’s death certificate to fraudulently obtain an education loan. Lovepreet Kaur, daughter of ASI Lakhvir Singh of the Punjab Police, obtained a counterfeit death certificate for her living father and submitted it to a private bank in an attempt to secure a study loan worth approximately ₹3.5 million. The scheme unravelled when bank officials discovered discrepancies during document verification, leading police to file formal charges against the accused.
DETAILS OF THE FRAUD
According to the complaint filed with the Moga Superintendent of Police on November 3, 2025, by Rajrebinder Singh Bhangar of Faridkot, Lovepreet Kaur and her family members—including her mother Gurvinder Kaur, brother Manpreet Singh, and father Lakhvir Singh—conspired to deceive both the bank and immigration authorities. The fraudulent death certificate indicated that Lakhvir Singh had passed away, when in fact he was actively serving as an Assistant Sub-Inspector at Baghapurana Police Station in Moga. The registration number on the death certificate could not be found in government records, raising immediate red flags.
VERIFICATION REVEALS FRAUD
When bank officials verified the document using the e-District portal, they discovered that the death certificate had been fraudulently registered under a different woman’s name—Surinder Kaur—rather than Lakhvir Singh. This critical inconsistency exposed the entire scheme. The investigation revealed that Lovepreet Kaur had initiated both visa and loan applications for studying abroad, specifically in the United Kingdom. She had submitted her documents to an immigration agency, which then forwarded the materials to loan processors through various intermediaries, including the fraudulent death certificate.
FAMILY CONNECTION TO PRIOR CRIME
The investigation uncovered a troubling pattern within the family. Lovepreet’s brother, Manpreet Singh, was also a Punjab Police officer who illegally departed India in 2023 without departmental authorization. Following his unauthorized flight abroad, the Punjab Police terminated his service. Investigators now believe the family was attempting to illegally finance Lovepreet’s passage abroad using proceeds from the fraudulent loan, potentially following a similar pattern to her brother’s unauthorized departure.
LOAN APPLICATION DENIED
Fortunately, the fraudulent scheme never reached its intended conclusion. The loan application was not approved by the bank, preventing the actual theft of funds. However, the attempt to commit fraud was sufficient to warrant criminal charges. When Lakhvir Singh was called for questioning regarding the incident, he failed to appear before investigators, raising further questions about family involvement.
SUSPECT’S CONTRADICTORY CLAIMS
During interrogation, Lovepreet Kaur claimed that immigration agents and intermediaries had used her personal documents and photographs without her knowledge or consent and had independently prepared the fraudulent death certificate. However, she failed to provide any concrete evidence to substantiate these allegations. When pressed to produce documentation or identify specific agents, she could not do so.
POLICE INVESTIGATION AND CHARGES
Based on their investigation, the Moga Police have registered a formal case against Lovepreet Kaur under multiple sections of the Indian Penal Code related to document fraud, forgery, and cheating. The case was registered following both the initial complaint and a detailed police investigation report. Investigators are actively working to determine whether other individuals—possibly including family members or immigration agents—were involved in the conspiracy. The case remains under active investigation as police seek to uncover the full extent of the criminal scheme.
IMPLICATIONS AND ONGOING INVESTIGATION
This case highlights the growing problem of fraudulent documentation in education loan schemes and the risks posed by immigration agents operating without proper oversight. The fact that the perpetrator is the daughter of a police officer has added an additional layer of concern regarding accountability. The investigation continues as authorities work to identify all parties involved and to determine whether similar schemes may have been attempted by other family members or associates. The recovered evidence will be crucial in establishing the degree of culpability of each suspect.
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