The CBI on Thursday filed the first chargesheet in the Rs 645-crore IDFC First Bank and AU Small Finance Bank scam before a CBI Special Court, Panchkula.According to the CBI, a total of 15 persons have been chargesheeted, comprising six bank officials of IDFC First Bank and AU Small Finance Bank, three public servants from Haryana Power Generation Corporation Ltd (HPGCL), the Development and Panchayat Department and the Haryana School Shiksha Pariyojana Parishad (HSSPP), two shell entities along with their three partners or directors, and a private person. None of the IAS officers under investigation is named in the first chargesheet.The challan has been filed for criminal conspiracy, criminal breach of trust, cheating, forgery, destruction of evidence and under the Prevention of Corruption Act, 1988.According to sources, mastermind Ribhav Rishi, a former branch manager of the IDFC First Bank branch in Sector 32, Chandigarh, and its former relationship manager, Abhay Kumar, are named as accused in the chargesheet. Along with them, bank officials Arun Sharma, Seema Dhiman, Anuj Kaushal and Priyanka are also mentioned.According to the CBI, most of the alleged fraudulent transactions at IDFC First Bank occurred during Ribhav Rishi’s tenure. He allegedly created and controlled shell entities, including Capco Fintech Services, RS Traders and SRR Planning Gurus Private Ltd, in the names of employees, drivers and relatives. These entities allegedly received hundreds of crores of rupees diverted from the Haryana government departments.Abhay Kumar allegedly misused his position to facilitate diversion of public funds. Even after resigning on June 10, 2025, he falsely projected himself as an authorised bank official and allegedly issued fabricated communications. He controlled and operated Swastik Desh Projects, a shell entity, through his wife Swati Singla and brother-in-law Abhishek Singla, through which over Rs 200 crore was transferred and subsequently routed to third parties, including jewellers.The other bank officials allegedly passed payments without any cheques or debit notes, relying solely on verbal communication with other co-accused. In some transactions, they allegedly processed debit notes without actually making any call confirmation to the respective department.Among the three former public servants, now dismissed from service, mentioned in the challan is Naresh Kumar. He was a superintendent in the Development and Panchayat Department. As per his department dismissal order, dated April 23, he allegedly received Rs 6.45 crore from Swastik Desh Projects. Also, Rs 10 lakh was allegedly deposited into his daughter’s account; he was allegedly given a Toyota Fortuner by a co-accused; and he allegedly purchased a house in IT City, Mohali, in his wife’s name for Rs 1 crore.Amit Dewan, a former Director of Finance at the HPGCL, who was allegedly paid Rs 50 lakh in illegal gratification, as per his dismissal order dated May 3, has been named an accused in the chargesheet. He was instrumental in opening bank accounts with IDFC First Bank and AU Small Finance Bank.While posted as Controller (Finance and Accounts) at the Haryana School Shiksha Pariyojana Parishad, Panchkula, Randhir Singh was one of the authorised signatories of the parishad’s account with IDFC First Bank, and his personal mobile number was linked to and operationally associated with the account. As per his dismissal order, dated April 24, he allegedly received illegal gratification in the form of cash and also other favours such as flight tickets for a tour from Chandigarh to Goa (to and fro on June 27, 2025, and June 30, 2025, respectively) for himself and five other family members, the expenses of which were incurred by Ribhav Rishi and Abhay Kumar.The CBI has interrogated five Haryana IAS officers so far — Pankaj Agarwal, Vineet Garg, Pardeep Kumar, RK Singh and Mohd Shayin. The other three — Saket Kumar, DK Behra and Mani Ram Sharma — are yet to be questioned. They headed the relevant departments where the fraud occurred. Their roles are yet to be ascertained.The CBI had registered the FIR on April 8, based on the original FIR lodged by the State Vigilance and Anti-Corruption Bureau (SV&ACB) on February 23. The first chargesheet pertains to the alleged misappropriation of Haryana Government funds worth Rs 504 crore. Funds of the Chandigarh Administration have also been siphoned off, which are being investigated separately.