If your Bank Account Frozen by Police Under BNSS Section 104, it means your financial activities are under scrutiny by law enforcement. This action is usually taken when the police or Cyber Cell suspect that a crime has been committed using the bank account. While this may feel alarming, there is a legal process to unfreeze the bank account—but it takes time, typically 65–70 days, and involves submitting proper documents, including obtaining a NOC from Cyber Cell. However, even after getting a NOC, the account unfreeze process may get delayed if the police do not forward the clearance to the bank. This blog explains why your account may be frozen, what BNSS Section 104 means, and how to restore access step by step.
What is BNSS Section 104 and Why Is It Used?
BNSS Section 104 (Bharatiya Nagarik Suraksha Sanhita) allows the police to seize or attach property or freeze a bank account if they believe it is connected to a crime. Under this section, the police can legally direct the bank to block all transactions from the suspected account. This law is used to prevent money laundering, cyber frauds, or scams.
If your bank account is frozen by police under BNSS Section 104, it is important to cooperate with the authorities and follow the legal process. Panicking or hiding facts will delay the unfreezing.
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HELPLINE NUMBERCommon Reasons Why Bank Accounts Are Frozen Under BNSS Section 104
1. Cyber Fraud or Online Scam Complaints
If someone filed a cyber fraud complaint and your account number appeared in the transaction, police or Cyber Cell may freeze your account immediately.
2. Suspicious High-Value Transactions
Unusual money inflows, especially multiple deposits from unknown people, can trigger investigation and account freeze.
3. Money Laundering Alerts
Transferring funds without a valid source of income, especially across multiple accounts, can raise suspicion of money laundering.
4. Involvement in Lottery or Investment Scams
If your account is used in Ponzi schemes or fake lottery transactions, the police may freeze the bank account for investigation.
5. Complaint by an Individual Victim
Sometimes, a single complaint to the Cyber Cell is enough for police to take preventive action like freezing your account.
6. Incorrect KYC or Mismatched Personal Details
Banks are legally required to verify all account holders. If there’s a mismatch or your PAN/Aadhaar is misused, this can also result in account freeze.
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HELPLINE NUMBERHow to Unfreeze Bank Account Frozen by Police Under BNSS Section 104
Step 1: File a Reply with Proper Explanation
Submit a clear written reply with your version to the police or Cyber Cell handling your case. Be honest and transparent.
Step 2: Collect Evidence and Transaction Details
Provide screenshots of transaction history, ID proofs, and proof of income or salary to show that the transactions are genuine.
Step 3: Obtain NOC from Cyber Cell or Investigating Police Officer
If the police are satisfied with your reply and documents, they may issue a No Objection Certificate (NOC).
Step 4: Submit NOC to the Bank
Hand over the NOC to your bank with an application to unfreeze your account.
Step 5: Follow Up with Police to Issue Final Clearance
Even after NOC, some banks need a police letter addressed to them. Delay here is common and may stretch the unfreeze period to 65–70 days.
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Documents Required for Bank Account Unfreeze Process
- Valid ID proof (Aadhaar card, PAN card)
- Recent bank statement (last 3–6 months)
- Screenshot or evidence of disputed transaction
- Salary slips (if employed)
- GST certificate (if business account)
- FIR or complaint copy (if applicable)
- Cyber Cell complaint acknowledgment
- NOC from police
Make sure these documents are complete and submitted both to police and bank for faster results.
Honest Testimonial
“Mera account bina kisi galti ke freeze ho gaya tha. Police investigation bhi ho gayi thi aur maine sabhi documents de diye the, par account unfreeze nahi ho raha tha. Tab Advocate Ayush Garg sir ne meri madad ki. Sirf unki wajah se mera account 68 din me unfreeze hua. Unka kaam bahut accha tha “
— Utkash Dhawan, Rajasthan
Frequently Asked Questions (FAQs)
Q1: How long does it take to unfreeze a bank account frozen under BNSS Section 104?
A: The process usually takes 65–70 days. Even after NOC, police clearance to the bank may take time.
Q2: Can I use my account after getting the NOC?
A: No. The NOC must be submitted to the bank and a police clearance should be sent directly to the bank before your account is operational.
Q3: Who can help me legally?
A: You should consult a High Court lawyer with experience in bank account unfreeze matters, especially under BNSS Section 104.
Q4: Will the police inform the bank after giving the NOC?
A: Sometimes they do, but in many cases, the lawyer or the account holder has to follow up regularly to ensure it happens.
Why Choose Advocate Ayush Garg?
Advocate Ayush Garg, a High Court lawyer with over 10+ years of experience, has successfully handled more than 5000+ bank account unfreeze cases. His deep understanding of Cyber Cell procedures, bank communication, and BNSS laws makes him a reliable choice for anyone whose bank account is frozen by police under BNSS Section 104.
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HELPLINE NUMBERFinal Thoughts
Having your bank account frozen by police under BNSS Section 104 is a stressful situation, but not a dead end. Understanding the process, gathering your documents, and taking the right legal steps can lead to account unfreeze—but not overnight. It typically takes 65–70 days, and proper follow-up is key. Always consult a legal expert to avoid delays or complications.
Also Read: Best Cyber Crime Lawyer In India
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