Icici issue double loan on single property. one with loan is issued on legal document and other on forged and un-registered documents.
Icici bank home loan division safeguard the employee who is involved in issuing home-loan on unregistered document.
Bank does all these to save the image of bank. It is understand the image of public bank is important. but that does not mean the image/reputation of normal public/person has no value.
Bank does all there paper work to show such un-registered document loan as NPA Loan.
And sale this loan to recovery agency . And these Recovery agency try to grab some poor people property on the basis of these un-registered document/fraud loans.