Corporate Obsession - Cover

Corporate Obsession

Copyright© 2026 by panjas

Chapter 10: Collapse of the Bank

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Akash walked into the living room. His father was sitting at the table.

Akash: Dad, What the hell is this? How can this happen?

Father: The bank has completely collapsed, Akash.

Akash: But how? Yesterday everything was normal when I left Branch. How can a whole bank freeze like this?

Father: Those RBI auditors at the Central Office slapped down the restriction notice yesterday evening at 8:30. The moment the notice was served, they shut down the core banking servers. ATMs, net banking, mobile apps—everything went dead right then.

Akash: And why didn’t anyone inform the staff?

Father: Because emergency calls went out to every single branch manager late last night. They called us all to the Bhandup Central Office in the middle of the night. I just got back home at 3:00 AM, and now I have to leave for my branch again in an hour.

Akash: Why didn’t you tell me?

Father: Why should I tell you? Your face is always buried in your phone or your laptop anyway. Even if the house was on fire, you wouldn’t notice.

Akash: What happened in the meeting then? Did they find a fraud?

Father: The MD didn’t reveal the reasons for the RBI action. He just said the net-worth is completely wiped out. He spent the entire night briefing us on crowd management at the branches.

Akash: Crowd management?

Father: Exactly. Being 5th Saturday, the bank is fully open today. People will be coming for salary, pension withdrawals and we have to tell them they can only withdraw one thousand rupees. The branches are going to turn into absolute warzones today.

Later, after bathing, Akash watched his father leave home early to reach his branch. He ate breakfast while watching the TV news. Every news channel was running the same headline. Due to a massive corporate fraud, a staggering 70% of the bank’s total advances had been granted to a single group of companies, completely eroding the bank’s entire net worth into the negative. The news showed live visuals of depositors already reaching branches as early as 7:30 AM, even though the gates weren’t scheduled to open until 10:00 AM. Akash sent a frantic message to Sonia on WhatsApp, but it remained unread.

At the Central Office in Bhandup, Sonia and all other staff had already arrived by 8:00 AM. In the corridors, senior executives were openly crying as the reality of the situation set in. Management immediately selected and disbursed most of Central Office staff to various retail branches for the next few days to help manage the expected rush of angry customers. They had also requested urgent police protection at all locations. Sonia maneuvered to ensure she was assigned to the Andheri branch. Along with three other colleagues, she took an Uber to reach Andheri.

Just as they stepped out of the cab, Sonia saw Akash alighting from a rickshaw down the road. She maintained her distance to avoid suspicion in front of the other staff. Outside the Andheri branch, a massive wave of customers had surrounded the building. The main shutters were down, and people were shouting and banging loudly on the locked metal frame. Knowing the crowd would block the front entrance, the staff slipped around the side and entered through the back door.

The moment the branch officially opened, absolute chaos erupted. The Core Banking System was entirely non-functional, leaving terminals useless. Depositors were yelling, screaming, and hurling abuses directly at the branch manager as if he had personally stolen their life savings. Some people were weeping uncontrollably; others fainted from the heat and panic. The police struggled at the entrance, restricting newcomers because the floor inside was dangerously packed. Akash, Sonia, and the rest of the staff were entirely lost in the crowd, screaming to be heard, utterly clueless on how to calm the panic.

By evening, the staff was completely exhausted. Nobody had eaten lunch or even had a cup of tea since morning. Their energy was drained, their voices were gone, and their throats felt strained to the absolute limit. Even after the official closing hours, depositors refused to leave the premises. It took over two hours for the police to finally clear the floor.

At 8:00 PM, the shutters were finally downed. Akash quickly took Sonia with him into a rickshaw. He had bought two burgers down the road, and they ate silently in the moving vehicle, completely shattered by the day. Their phones were vibrating relentlessly with innumerable WhatsApp alerts as the full details of the fraud began to trend online. News channels were flashing interviews of government officials, RBI representatives, and the bank’s Managing Director.

Sonia: Next full week I have to come to Andheri branch only. Pick me up on Monday morning.

Akash: Surely. I’ll be there.

Sunday gave them a day of rest from the physical chaos, but Sonia’s apartment turned into a domestic pressure cooker. Her sisters and several relatives came over to her home, frantic and desperate, demanding to know what happened, why the RBI stepped in, and if their hard-earned money was gone forever. Sonia had to sit through the endless interrogation, keeping her professional face intact while harboring her own internal panic.

The next morning, Monday, Akash picked up Sonia in a rickshaw as usual since she was stationed at the Andheri branch for the week. The tense atmosphere completely wiped out any room for romance. They sat with stressed faces as the vehicle rattled through the morning traffic.

 
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