If the Cyber Cell or Police freezes your bank account in India, it is usually done during an investigation into cyber fraud, money laundering, or other cybercrimes. However, you have legal remedies available
Why Was Your Account Frozen?
- Under Section 91 CrPC, police can request bank records or freeze accounts.
- Under Section 102 CrPC, police can seize property (including bank accounts) suspected to be involved in an offence.
- Often used in cyber fraud or UPI/online scam cases.
Step-by-Step Remedies
1. File a Representation to Investigating Officer / Cyber Cell
- Submit a written application requesting the reason for freezing.
- Attach:
- Account holder’s ID proof
- Bank statement
- Any proof of legitimate transactions
- Mention that you are not involved in the alleged offence (if applicable).
2. File an Application under Section 451 or 457 CrPC before Magistrate
- If police don’t respond, file an application before the Jurisdictional Magistrate:
- Section 451 CrPC – for custody of property during trial.
- Section 457 CrPC – for release of property seized by police.
- Court can order unfreezing if satisfied that the account was wrongly frozen.
Format:
I can provide a sample petition format under Section 457 CrPC for unfreezing a bank account. Let me know if you need one.
3. File a Writ Petition in High Court (Article 226)
- If no relief is given by the magistrate or police:
- You can approach the High Court under Article 226 of the Constitution.
- File a Writ of Mandamus to direct the police/bank to unfreeze your account.
- Ground: Violation of Fundamental Rights (Article 19 & 21) without due process.
Court Observations:
- Courts have said freezing must be justified, and prolonged freezing affects right to livelihood.
- Police cannot freeze indefinitely without FIR or evidence.
Key Case Law:
- Gurcharan Singh v. State of Punjab – Freezing must be temporary and legally backed.
- Nivedita Sharma v. Cellular Operators Association of India (SC) – Due process is essential in such cases.
4. Contact Your Bank
- Request a copy of the freeze order.
- Banks usually freeze accounts only on official police communication.
Documents You May Need:
- Identity proof
- Bank passbook / statement
- FIR details (if applicable)
- Application copy sent to cyber cell
- Proof of legal source of funds
Summary Table
| Action | Description |
| File to Police | Representation to Cyber Cell with documents |
| Magistrate Petition | Under Sec. 457 CrPC for unfreezing |
| High Court Writ | Under Article 226 Constitution |
| Contact Bank | Get freeze order details |





