When a large amount of money linked to cyber fraud is traced to your bank account, the Cyber Crime Cell or other authorities may instruct the bank to place a lien (hold) on your account. This means you cannot withdraw, transfer, or use your funds until the investigation is completed.
For genuine account holders, this can be very stressful. However, there are clear steps you can take to remove the lien and reactivate your account.
Why Does a Lien Get Placed on Your Account?
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Cybercrime complaints where the victim’s money is traced to your account
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Suspicious or unusually large transactions flagged by your bank
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P2P cryptocurrency trades (such as USDT) linked to fraud
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Fake job, gaming, or stock market scams where fraudsters used your account
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Orders from court or investigating authorities
Steps to Remove a Lien from Your Account
1. Understand the Reason
Visit your bank branch and ask why your account has been put on lien. The bank will usually share the cyber complaint number or contact details of the Investigating Officer (IO).
2. Collect Important Documents
Keep the following ready:
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Identity proof (Aadhar, PAN, etc.)
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Bank statement showing disputed transactions
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Proof of your genuine income or source of funds
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Any evidence that shows you are not involved (invoices, chats, receipts)
3. Contact the Cyber Crime Cell
Reach out to the IO handling the case. Submit an application with your documents and request a No Objection Certificate (NOC) or clearance letter.
4. Submit NOC to the Bank
Once you receive clearance from the cyber cell, submit the NOC to your bank. The bank will then remove the lien and restore access to your funds.
5. Seek Legal Help if Needed
For big amount cases, investigations are stricter and may take longer. A cyber crime lawyer can represent you before authorities and, if required, approach the court for relief.
Sample Email to Cyber Cell for Lien Removal
Subject: Request for Lien Removal from My Bank Account
Respected Sir/Madam,
I am [Your Name], holder of [Bank Name] Account No: XXXXXXXX. My account has been marked with a lien in connection with complaint no. [Case ID].
I respectfully submit that I am not involved in any fraudulent activity. The transactions in my account are genuine, and I am attaching my ID proofs and transaction details for your verification.
I kindly request you to issue necessary clearance or NOC to my bank so that the lien may be removed and I can access my funds again.
Thank you for your assistance.
Sincerely,
[Your Name]
[Mobile Number]
[Email Address]
How to Protect Yourself in the Future
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Never share your bank account details with unknown people
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Avoid letting others use your account for deposits or transfers
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Be cautious with crypto or online trading deals
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Keep written proof of all large transactions
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Report suspicious activity immediately to 1930 and cybercrime.gov.in
A lien on your bank account in a cyber fraud case can be frustrating, especially when it involves a big amount. But by cooperating with the cyber cell, submitting proper documents, and seeking legal help when necessary, you can get the lien removed and restore access to your funds.
👉 Disclaimer: This blog is for informational purposes only and should not be treated as legal advice. We are not doing any advertisement or solicitation work. If you are a victim of stock market or cyber fraud, immediately contact the National Cyber Crime Helpline (1930) and file a complaint on www.cybercrime.gov.in.