When a bank account is frozen due to suspected cyber fraud or financial irregularities, the account holder needs to obtain a No Objection Certificate (NOC) from the police or the cyber crime cell. This document confirms that the individual is not involved in fraudulent activity, and it allows the bank to unfreeze the account.

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Steps to Get an NOC for Bank Account Unfreeze

1. Identify the Reason for Freeze

   • Visit your bank branch and ask for the reason behind the account freeze.

   • Usually, banks act upon directions received from police, cyber cell, or government authorities under sections like IPC 420, IT Act 66C/66D, etc.

2. Approach the Concerned Police Station or Cyber Cell

   • Contact the investigating officer (IO) handling the case.

   • Carry all documents related to your account, transactions, and identity proof.

3. Submit a Written Representation

   • Write a formal letter to the police/cyber cell, requesting them to issue a NOC for unfreezing your account.

   • Attach supporting documents such as bank statements, Aadhaar, PAN, and proof of genuine transactions.

4. Verification Process by Police

   • The police will verify whether you are directly or indirectly involved in the suspected transaction.

   • If they find you are not guilty, they will issue a NOC to the bank.

5. Submit NOC to Bank

   • Once you receive the NOC, submit it to your bank branch.

   • The bank will process your request and unfreeze the account after verification.

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Sample Format – Representation Letter to Police for NOC

To,
The Station House Officer / In-Charge,
[Name of Police Station / Cyber Crime Cell],
[City, State].

Subject: Request for Issuance of NOC to Unfreeze Bank Account

Respected Sir/Madam,

I, [Your Full Name], son/daughter of [Father’s Name], residing at [Full Address], hold a savings account bearing number [XXXXXXXXXX] with [Bank Name & Branch].

I was recently informed by my bank that my account has been frozen on the instructions of your office due to suspicion of cyber fraud. I respectfully submit that I have no involvement in any fraudulent activity, and the transactions conducted through my account are genuine and supported by proper documentation.

I kindly request your good office to verify the matter and issue a No Objection Certificate (NOC) to the concerned bank so that my account may be unfrozen at the earliest.

I am enclosing the following documents for your kind perusal:

1. Copy of Aadhaar and PAN card

2. Bank passbook / statement

3. Proof of transactions related to the case

4. Any other supporting document

I assure you of my full cooperation in the investigation.

Thanking you,
Yours sincerely,
[Your Full Name]
[Contact Number]
[Email ID]

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Sample Format – NOC Issued by Police

Police Department Letterhead
(Seal & Stamp of Police Station)

NO OBJECTION CERTIFICATE

This is to certify that Mr./Ms. [Full Name], S/o/D/o [Father’s Name], resident of [Address], is the account holder of Bank Account No. [XXXXXXXXXX] in [Bank Name, Branch].

The said account was put on hold in connection with Case/FIR No. [XXXXX] under sections [IPC/IT Act]. Upon due verification, it has been found that the said account holder is not involved in the alleged fraudulent activities.

Therefore, we have no objection if the above-mentioned bank account is unfrozen and allowed to operate.

Issued on: [Date]
Place: [City]

(Signature & Seal)
Investigating Officer / Station House Officer
[Police Station Name]

Disclaimer

This blog is for educational and awareness purposes only. It does not constitute legal advice, professional consultation, or solicitation of services. Readers are advised to stay alert, verify information from official sources, and consult a certified cybercrime advocate for case-specific guidance.