Summary of the Case

The petitioner, Chanchal, a resident of Jaipur, approached the Court after her current account (No. 1851221419234231) at AU Small Finance Bank was entirely frozen. The freeze was initiated following cybercrime complaints received from multiple states, including Telangana, West Bengal, and Maharashtra.

The petitioner contended that she was entirely innocent of any wrongdoing and that the blanket freeze caused severe financial hardship and disrupted her daily activities. She expressed complete willingness to cooperate with the investigating agencies to clear her name.

Court’s Directives and Decision

Presiding Hon’ble Mr. Justice Anoop Kumar Dhand disposed of the petition on September 11, 2025, with the following mandates:

• Account Restoration: The respondent-bank was directed to immediately defreeze the petitioner’s bank account at the Mansarovar Madhyam Marg branch in Jaipur, allowing her to resume transactions.
• Quantified Freeze: Instead of a total account freeze, the Court directed that only the specific disputed amount allegedly involved in the fraudulent activity be kept on hold.
• Fund Transfer: The bank was granted liberty to transfer the disputed sum back to the original source account from which it was credited.
• Conditions for the Petitioner:
  • The petitioner must cooperate fully with bank authorities and investigating agencies.
  • The petitioner is prohibited from closing or discontinuing the account without explicit permission from the bank or investigators.
  • If subsequent investigation proves her involvement in illegal transactions, she will be personally liable to pay the amount and face further legal consequences.