Fraud by a customer to the Banker

[Banker India]

Sir

I'm a cashier working in a bank.

A customer came for cash withdrawal instead of debiting the account, I, by mistake, credited the account. Now, customer has taken physical cash from the branch. Seeing more balance in the account, the customer made withdrawals using UPI and ATM.

I informed the customer immediately when I found the cash difference on the same day.

Now, it has been 3 months and the customer has not deposited a single penny.

FIR was not lodged as the customer kept on asking some more days and then weeks and now we have realised that it's quite late to lodge an FIR.

The customer is maintaining accounts in 2 different banks and one account in another bank as second holder.

What action can I take now to recover the money?

The amount involved is more than ₹50,000.

AI Summary

Erroneous credit entries: banks may pursue recovery and interbank holds based on transactional records and recorded evidence.
The bank may recover funds erroneously credited by debiting the customer account, placing holds and coordinating with other banks to freeze traced balances; CCTV, transaction statements and audio recordings form the core documentary basis for recovery. Delayed written reporting to supervisors creates exposure to internal disciplinary charges for negligence despite the bank ultimately not suffering loss; other banks typically require police reports or court orders before imposing holds. Prompt written escalation and formal legal steps improve recovery prospects and reduce staff disciplinary risk.