आज के समय में online fraud, trading scam, investment scam, UPI fraud, crypto scam जैसे मामलों में Cyber Cell अक्सर बैंक अकाउंट पर lien (रोक) या debit freeze लगा देती है।
बहुत से लोग निर्दोष होते हुए भी जांच के दौरान परेशान होते हैं क्योंकि वे अपने ही पैसे का उपयोग नहीं कर पाते।
इस ब्लॉग में हम जानेंगे:
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Cyber Cell बैंक अकाउंट क्यों freeze करती है
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Lien और Freeze में अंतर
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Account Unfreeze कराने की पूरी प्रक्रिया
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Cyber Cell को देने के लिए detailed application format
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Court order की जरूरत कब पड़ती है
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Cyber Crime Advocate की भूमिका
Cyber Cell Bank Account Freeze क्यों करती है?
Cyber Cell आमतौर पर निम्न कारणों से अकाउंट freeze करती है:
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Fraud की राशि आपके अकाउंट में आना
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Scam से जुड़ी transaction का chain में होना
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Online task scam / investment scam से पैसा मिलना
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P2P crypto transaction (USDT, Binance) से जुड़ा मामला
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Victim द्वारा शिकायत में आपका account mention होना
Note: कई मामलों में अकाउंट holder खुद victim होता है, फिर भी precautionary basis पर freeze कर दिया जाता है।
Lien और Debit Freeze में अंतर
| Point | Lien | Debit Freeze |
|---|---|---|
| राशि | Specific amount block | पूरा account |
| Credit | Allowed | Allowed |
| Debit | Blocked (limited) | पूरी तरह blocked |
| कारण | Disputed amount | Investigation |
Bank Account Freeze होने पर क्या करें?
Step 1: Panic न करें
Account freeze होना arrest या guilty होने का सबूत नहीं है।
Step 2: Bank से Freeze Details लें
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Freeze authority (Cyber Cell / Police Station)
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Case / FIR / Acknowledgement Number
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Amount lien details
Step 3: Cyber Crime Complaint Details Collect करें
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NCRP Acknowledgement Number
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Transaction ID
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Date & Amount
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Proof कि आप victim हैं (chat, screenshots)
Cyber Cell से NOC क्यों जरूरी होती है?
Bank बिना Cyber Cell / Investigating Officer की NOC के अकाउंट unfreeze नहीं करता।
NOC मिलने के बाद ही:
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Lien हटती है
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Debit सुविधा restore होती है
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Account normal होता है
Cyber Cell को Account Unfreeze के लिए Application कैसे लिखें?
नीचे Detailed Application Format (Hindi) दिया गया है:
Application for Bank Account Unfreeze & Lien Removal
To,
The Investigating Officer / SHO
Cyber Crime Police Station
[City / District / State]
Subject: बैंक अकाउंट Unfreeze एवं Lien Removal हेतु आवेदन
Respected Sir/Madam,
सविनय निवेदन है कि मेरा नाम [आपका पूरा नाम] है और मैं [पूरा पता] का निवासी हूँ।
मेरा बैंक अकाउंट विवरण इस प्रकार है:
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Bank Name: __________
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Account Holder Name: __________
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Account Number: __________
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IFSC Code: __________
मुझे बैंक द्वारा सूचित किया गया है कि मेरे उपरोक्त बैंक अकाउंट पर Cyber Cell के निर्देशानुसार lien / debit freeze लगाया गया है।
मैं यह स्पष्ट करना चाहता/चाहती हूँ कि मैं किसी भी प्रकार की धोखाधड़ी या साइबर अपराध में संलिप्त नहीं हूँ।
मैं स्वयं online fraud / investment scam / trading scam का शिकार हूँ, जिसकी शिकायत मैंने पहले ही दर्ज कराई है।
मेरे शिकायत का विवरण निम्नलिखित है:
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NCRP Acknowledgement Number: __________
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Transaction ID: __________
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Transaction Date: __________
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Amount: ₹__________
मेरे खाते में आई राशि धोखाधड़ी से संबंधित नहीं है और न ही मैंने जानबूझकर कोई अवैध लेन-देन किया है।
मैं जाँच में पूर्ण सहयोग करने के लिए तैयार हूँ और सभी आवश्यक दस्तावेज उपलब्ध कराने को भी तत्पर हूँ।
अतः आपसे विनम्र अनुरोध है कि कृपया जाँच उपरांत मेरे बैंक अकाउंट से lien हटाने एवं account unfreeze करने हेतु NOC / आदेश जारी करने की कृपा करें, जिससे मैं अपने वैध धन का उपयोग कर सकूँ।
इसके लिए मैं आपका सदैव आभारी रहूँगा/रहूँगी।
Thanking You,
भवदीय,
नाम: __________
Mobile No: __________
Email ID: __________
Date: __________
Signature: __________
Cyber Cell NOC मिलने में कितना समय लगता है?
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Simple cases: 7–15 दिन
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Inter-state / multi-layer fraud: 30–90 दिन
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Court involvement: समय अधिक लग सकता है
कब Court Order की जरूरत पड़ती है?
अगर:
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Cyber Cell NOC नहीं दे रही
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Investigation लंबी चल रही
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Account लंबे समय से freeze है
तो आप Jurisdictional Magistrate / High Court में
👉 Account Unfreeze Petition / Writ Petition दाखिल कर सकते हैं।
Cyber Crime Advocate की भूमिका
एक अनुभवी Cyber Crime Advocate मदद करता है:
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Cyber Cell drafting & follow-up
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Legal notice to bank
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Court petition filing
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Interim relief for account operation
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Wrongful lien removal
Important Safety Tips (भविष्य के लिए)
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Unknown investment links से दूर रहें
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WhatsApp/Telegram trading groups पर भरोसा न करें
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P2P crypto में KYC verified users से ही लेन-देन करें
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Screenshot और transaction proof हमेशा रखें
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किसी भी fraud पर तुरंत NCRP complaint दर्ज करें
In recent years, cases of online fraud, investment scams, trading scams, UPI fraud, cryptocurrency scams, and task-based scams have increased rapidly. During cybercrime investigations, the Cyber Crime Cell often freezes bank accounts or places a lien on disputed amounts, even when the account holder is innocent or a victim.
This blog explains why bank accounts are frozen, how to remove lien, and how to write a proper application to the Cyber Cell for unfreezing your bank account.
Why Does Cyber Cell Freeze Bank Accounts?
Cyber Cell may freeze a bank account for the following reasons:
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Fraudulent money credited into the account
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Account linked to a chain of suspicious transactions
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Receipt of funds from online investment or task scams
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P2P crypto transactions (USDT, Binance, etc.)
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Complaint filed by a victim mentioning the account
Important: Freezing of an account does not mean the account holder is guilty. It is usually a preventive step during investigation.
Difference Between Lien and Debit Freeze
| Aspect | Lien | Debit Freeze |
|---|---|---|
| Scope | Specific amount blocked | Entire account |
| Debit Transactions | Restricted | Completely blocked |
| Credit Transactions | Allowed | Allowed |
| Purpose | Secure disputed funds | Investigation safety |
What to Do If Your Bank Account Is Frozen?
Step 1: Do Not Panic
A freeze is part of investigation, not a punishment.
Step 2: Contact Your Bank
Ask for:
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Reason for freeze
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Authority ordering freeze (Cyber Cell / Police Station)
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Case or complaint number
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Amount under lien
Step 3: Collect Supporting Documents
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NCRP Complaint Acknowledgement
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Transaction details
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Proof showing you are a victim (screenshots, chats, emails)
Why Is NOC Required from Cyber Cell?
Banks cannot unfreeze accounts without written permission or NOC from the Cyber Crime Investigating Officer.
After receiving the NOC:
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Lien is removed
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Debit facility is restored
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Account becomes operational
How to Write an Application to Unfreeze Bank Account from Cyber Cell
Below is a detailed and legally acceptable application format:
Application Format for Bank Account Unfreeze & Lien Removal
To,
The Investigating Officer / SHO
Cyber Crime Police Station
[City / District / State]
Subject: Request for unfreezing of bank account and removal of lien
Respected Sir/Madam,
I respectfully submit that my name is [Your Full Name], residing at [Complete Address].
My bank account details are as follows:
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Bank Name: __________
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Account Holder Name: __________
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Account Number: __________
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IFSC Code: __________
I have been informed by my bank that my above-mentioned account has been debit frozen / lien marked as per instructions from the Cyber Crime Cell.
I would like to clarify that I am not involved in any cyber fraud or illegal activity. I am, in fact, a victim of online fraud / investment scam / trading scam, for which I have already lodged a complaint.
Details of my complaint are as under:
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NCRP Acknowledgement Number: __________
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Transaction ID: __________
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Transaction Date: __________
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Amount Involved: ₹__________
The amount credited to my account was not received knowingly or intentionally in connection with any fraudulent activity. I am fully willing to cooperate with the investigation and provide any documents or information required.
I humbly request your good office to kindly verify the facts and issue a No Objection Certificate (NOC) / order for removal of lien and unfreezing of my bank account, so that I may use my lawful funds.
I shall be highly obliged for your kind consideration.
Thanking You,
Yours faithfully,
Name: __________
Mobile No.: __________
Email ID: __________
Date: __________
Signature: __________
How Long Does It Take to Unfreeze a Bank Account?
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Simple cases: 7–15 days
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Inter-state or layered fraud cases: 30–90 days
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Court intervention cases: Time may vary
When Is Court Order Required for Account Unfreeze?
A court order may be required when:
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Cyber Cell does not issue NOC
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Investigation is prolonged without conclusion
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Account is frozen for an unreasonable period
In such cases, a petition before the Jurisdictional Magistrate or High Court may be filed seeking relief.
Role of a Cyber Crime Advocate
An experienced Cyber Crime Advocate can help in:
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Drafting professional applications
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Liaison with Cyber Cell and bank
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Filing court petitions
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Seeking interim relief for account operations
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Protecting the rights of innocent account holders
Safety Tips to Avoid Future Account Freezes
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Avoid unknown investment or task-based schemes
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Do not trust WhatsApp or Telegram trading groups
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Perform P2P crypto transactions only with verified users
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Maintain transaction records and communication proofs
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Report fraud immediately on the NCRP portal
Disclaimer
This content is purely for educational and informational purposes. It is not a promotion, advertisement, or solicitation. The information is for public awareness only. If you are a victim of cybercrime, call 1930 or report to the National Cybercrime Portal (www.cybercrime.gov.in) immediately.