Back
IN THE HIGH COURT OF KERALA AT ERNAKULAM
M.A.ABDUL HAKHIM
Kunnamangalam Co- Operative Rural Bank Ltd. – Appellant
Versus
Inspector Of Police, Cyber Police Station South Region, Brihan Maharashtra – Respondent
| Table of Content |
|---|
| 1. co-operative banks' challenges with lien/hold due to cybercrime. (Para 1 , 2) |
| 2. sop established for handling financial cyber fraud. (Para 3) |
| 3. suspension of digital services under sop provisions. (Para 4) |
| 4. respondent no.22's position on requisitions and lien. (Para 5) |
| 5. court's directives for handling banking operations. (Para 6) |
JUDGMENT :
1. Petitioner is a Co-operative Rural Bank which has filed this Writ Petition seeking a direction to the Respondent No.22/Bank to remove or lift the lien in the account maintained by the Petitioner with the Respondent No.22. The Respondents Nos.1 to 21 are various Police Authorities which are made parties in the Writ Petition alleging that they have issued Requisitions for lien/freeze/hold with respect to the account of the Petitioner maintained with the Respondent No.22.
3. Recently, the Indian Cyber Crime Co-Ordination Centre of the Ministry of Home Affairs of the Government of India has formulated a ‘Standard Operating Procedure (SOP) for National Cybercrime Reporting Portal (NCRP) - Citizen Financial Cyber Fraud Reporting and Management System (CFCFRMS), Custody, Restoration of Money and Grievance Redressal’ on 02.01.2026 to
Writ granted to allow a cooperative bank to operate its account under conditions, emphasizing coordinated handling of police requisitions related to financial cybercrimes.
The court ruled that a bank account can be de-frozen while allowing transactions, provided the account holder cooperates with ongoing investigations.
Freezing a bank account requires just cause and evidence; the petitioner must be allowed to operate their account barring disputed funds.
The court affirmed the right to operate a bank account while addressing concerns related to ongoing investigations into alleged cyber crime, emphasizing cooperation with authorities.
A bank account may be de-frozen and operated by the account holder during an investigation, provided they cooperate with authorities and only disputed amounts are frozen.
An indispensable Tool for Legal Professionals, Endorsed by Various High Court and Judicial Officers
Please visit our Training & Support
Center or Contact Us for assistance
Scan Me!
India’s Legal research and Law Firm App, Download now!
For Daily Legal Updates, Join us on :
Back to top
