With the rise of UPI payments, digital wallets, online gaming, and crypto transactions, cyber fraud cases have also increased in Jammu and Kashmir. One of the most common issues faced by innocent account holders is that their bank account gets frozen due to an online scam investigation.
If you are in Kashmir and your account has been frozen, don’t panic. This blog will guide you step by step on why accounts are frozen, how to unfreeze them, and what safety measures you should follow in the future.
Why is a Bank Account Frozen in Kashmir After an Online Scam?
Your account may be frozen if:
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It received money linked to an online fraud complaint.
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Someone used your account as a “pass-through” (layer) to move scam money.
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You unknowingly accepted payments from suspicious gaming or crypto transactions.
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The Cyber Crime Cell flagged your account under Section 102 CrPC (now Section 106 BNSS).
👉 Important: Freezing is a temporary investigation measure, not a punishment.
Steps to Unfreeze a Bank Account in Kashmir
1. Confirm the Reason with Your Bank
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Visit your bank branch.
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Ask for the freeze order copy and the contact details of the Investigating Officer (IO).
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Confirm whether only the disputed amount is frozen or the entire balance.
2. Approach the Cyber Crime Cell (J&K Police)
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Submit an application along with:
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Identity proof (Aadhaar, PAN)
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Bank passbook/statement
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Proof of genuine transactions (invoices, receipts, UPI/P2P transaction IDs)
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Request a No Objection Certificate (NOC) for unfreezing your account.
3. Legal Remedies in Court
If the Cyber Cell delays or denies relief:
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File an application before the Judicial Magistrate in Kashmir under:
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Section 451 CrPC – for release of property during trial.
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Section 457 CrPC – for return of seized property during investigation.
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Approach the Jammu & Kashmir High Court with a writ petition under Article 226 of the Constitution if your rights are affected.
4. Banking & RBI Grievance
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Escalate the issue to your bank’s grievance officer.
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If unresolved, lodge a complaint on the RBI Ombudsman (CMS Portal).
Safety Tips to Avoid Frozen Accounts in Kashmir
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Do not share your account for transactions with strangers.
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Avoid payments linked to unknown investment, gaming, or crypto schemes.
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Keep proper transaction records for all online transfers.
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Verify the sender/receiver details in P2P trades before accepting funds.
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Report suspicious transactions immediately on 1930 (Cyber Helpline) or www.cybercrime.gov.in.
A frozen bank account in Kashmir due to online scams can be stressful, but remember that it is only a preventive measure. With proper documents, communication with Cyber Cell, and if required, legal remedies in Magistrate or High Court, you can get your account unfrozen.
If you face such a problem, consulting a cyber crime lawyer in Kashmir can help you handle the process more effectively and restore your account quickly.
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 cyber crime, immediately contact the National Cyber Crime Helpline 1930, and file a complaint on www.cybercrime.gov.in.