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Bank account frozen after a cyber complaint: the unfreeze letters

Money in your account put on hold because of someone else’s fraud complaint? Here is the official route, your dates, and the letter for each step.

Free English & हिन्दी MHA SOP 2026
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Which letter

Your account

The freeze

Everything you type stays in your browser — nothing is uploaded or saved.

Give it at your branch and keep a stamped copy.

The official route (MHA SOP, 2 January 2026)

  1. Your bank branch first. Ask the branch, in writing, to send your grievance with your explanation to the CFCFRMS Grievance Redressal Module. The SOP says the bank should do it “not beyond 07 calendar days”. (Letter 1)
  2. The police officer decides — the SHO gives it to the investigating officer, preferably over a video call; you should not be called in person unless it is unavoidable and an FIR is registered. If satisfied, the officer tells the bank to remove the hold within 15 calendar days.
  3. No answer in 15 days: the grievance goes automatically to the District Grievance Officer. Order not acceptable: ask for a review through your branch within 15 days; the District Grievance Officer decides within 15 days. (Letter 2)
  4. 90 days after the bank submitted your grievance, if no court order or extension request has come, the bank should remove the hold on your request. (Letter 3)

From section 10.1 of the Ministry of Home Affairs “SOP for NCRP-CFCFRMS, Custody, Restoration of money and Grievance Redressal” dated 02.01.2026 (copy on the MP State Judicial Academy site), read on 10 Nov 2026. Seizure orders under Section 106 BNSS follow the same route (section 10.2). Courts have held that a lien should not go beyond the disputed amount — for example the Allahabad High Court in August 2026.

Was your account frozen for KYC or because it was unused? Use the general unfreeze application. Lost money to a fraud yourself? Call 1930 and use the cyber fraud complaint.

Not legal advice. If a court case is filed or a large amount is held, see a lawyer; your District Legal Services Authority gives free legal aid if you qualify.

Kaise use karein

  1. Choose the step you are at.
  2. Fill in your account, the hold and why the money is genuine.
  3. Print, sign and give it at your branch. Keep a copy.

Kaise kaam karta hai

Cyber shikayat ki wajah se khata band? Pehle apni branch mein likhit aavedan dein — bank 7 din mein shikayat police ko bhejega, police 15 din mein faisla karegi. Har step ki chitthi yahan hai.

Questions people ask

My bank account was frozen because of a cyber complaint. What do I do?
Go to your branch with a written request (letter 1 on this page). Under the MHA SOP of 2 January 2026 the bank checks your explanation and sends your grievance to the CFCFRMS Grievance Redressal Module within 7 calendar days; the police officer should decide within 15 days.
Can the whole account be frozen for a small amount?
Courts have held that a lien should be limited to the disputed amount — for example the Allahabad High Court in August 2026. Letter 1 asks the bank to limit the hold to the disputed amount.
What if the police do not reply?
After 15 calendar days the grievance goes automatically to the District Grievance Officer. If you get an order you do not accept, ask for a review through your branch within 15 days (letter 2).
When does the hold end?
Under the SOP, if no court order or extension request comes within 90 calendar days of the bank submitting your grievance, the bank should remove the hold on your request (letter 3).
Is my data uploaded?
No. The letter is made in your browser and the PDF is created on your device.

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