WP(C) NO. 9156 OF 2025 1 2025:KER:27542 IN THE HIGH COURT OF KERALA AT ERNAKULAM PRESENT THE HONOURABLE MR.JUSTICE C.S.DIAS TUESDAY, THE 1ST DAY OF APRIL 2025 / 11TH CHAITHRA, 1947 WP(C) NO. 9156 OF 2025 PETITIONER: ABDULLA CHERUVALLISSERI AGED 39 YEARS SON OF MAMMUKUTTY, CHERUVALLISEERI HOUSE, AKKODE, KARUMARAKKAD P.O, VAZHAKKAD, MALAPPURM(DIST),, PIN - 673640 BY ADVS. SRI.V.S.MANSOOR SRI.AKHIL BINOY SRI.AHAMMED MIZWAR V.P. RESPONDENTS: 1 FEDERAL BANK REPRESENTED BY BANK MANAGER EDAVANNAPPARA BRANCH, CITY GATE. OPPOSITE PRIVATE BUST STAND, EDAVANNAPPARA, MALAPPURAM DISTRICT, PIN - 673645 2 STATE BANK OF INDIA, REPRESENTED BY BANK MANAGER VAZHAKKAD BRANCH, 5/515 TEEKEY COMPLEX OPP: IHRD, PO, VAZHAKKAD, MALAPPURAM(DIST), PIN - 673640 3 DEPUTY COMMISSIONER OF POLICE CYBER CRIME CELL, ROOM NO. 206, PS MANDIR MARG, NEW DELHI, PIN - 110001 4 STATION HOUSE OFFICER 2ND FLOOR, POLICE STATION BUILDING, SHAHDARA, DELHI, PIN - 110032 BY ADVS. SRI.MANOJ G.G SRI.S.SARATH PRASAD(K/000835/2008) SRI.MADHAVIKUTTY(K/000238/2025) SRI.MOHAN JACOB GEORGE, SC THIS WRIT PETITION (CIVIL) HAVING COME UP FOR ADMISSION ON 01.04.2025, THE COURT ON THE SAME DAY DELIVERED THE FOLLOWING: WP(C) NO. 9156 OF 2025 2 2025:KER:27542 JUDGMENT Dated this the 01st day of April, 2025 The writ petition is filed to direct the respondents 1 and 2 to lift the freezing of the petitioner’s bank accounts bearing Nos.16000100163338 with the 1st respondent bank and 33529776422 with the 2nd respondent bank. 2. The petitioner is the holder of the above bank accounts with the respondents 1 and 2 banks. The petitioner contends that the respondents 1and 2 have frozen the petitioner’s bank accounts pursuant to requisitions received from the 4th respondent. The action of the respondents 1 and 2 is illegal and arbitrary. Hence, this writ petition. 3. Heard; the learned counsel appearing for the petitioner and the learned counsel for the respondents 1 and 2. 4. The learned counsel for the respondents 1 and 2 submitted that, the total disputed amount is Rs.1,00,000/-. The said submission is recorded. WP(C) NO. 9156 OF 2025 3 2025:KER:27542 5. In considering an identical matter, this Court in Dr.Sajeer v. Reserve Bank of India [2024 (1) KLT 826] held as follows: “ a. The respondent Banks arrayed in these cases, are directed to confine the order of freeze against the accounts of the respective petitioners, only to the extent of the amounts mentioned in the order/requisition issued to them by the Police Authorities. This shall be done forthwith, so as to enable the petitioners to deal with their accounts, and transact therein, beyond that limit. b. The respondent – Police Authorities concerned are hereby directed to inform the respective Banks as to whether freezing of accounts of the petitioners in these Writ Petitions will require to be continued even in the afore manner; and if so, for what further time, within a period of eight months from the date of receipt of a copy of this judgment. c. On the Banks receiving the afore information/intimation from the Police Authorities, they will adhere with it and complete necessary action – either continuing the freeze for such period as mentioned therein; or withdrawing it, as the case may be. d. If, however, no information or intimation is received by their Banks in terms of directions (b) above, the petitioners or such among them, will be at full liberty to approach this Court again; for which purpose, all their contentions in these Writ Petitions are left open and reserved to them, to impel in future.” 6. Subsequently, this Court in Nazeer K.T v. Manager, Federal Bank Ltd [2024 KHC OnLine 768], after concurring with the view in Dr.Sajeer's case (supra) and taking into consideration Section 102 of the Code of Criminal Procedure (now Section 106 of the Bharatiya Nagarik Suraksha Sanhita, 2023] and the interpretation of WP(C) NO. 9156 OF 2025 4 2025:KER:27542 Section 102 of the Code laid down by the Hon'ble Supreme Court in State of Maharashtra v. Tapas D Neogy [(1999) 7 SCC 685], Teesta Atul Setalvad v. State of Gujarat [(2018) 2 SCC 372] and Shento Varghese v. Julfikar Husen and others [2024 SCC OnLine SC 895], has held thus: “8. The above discussion leads to the conclusion that, while delay in forthwith reporting the seizure to the Magistrate may only be an irregularity, total failure to report the seizure will definitely have a negative impact on the validity of the seizure. In such circumstances, account holders like the petitioner, most of whom are not even made accused in the crimes registered, cannot be made to wait indefinitely hoping that the police may act in tune with S.102 and report the seizure as mandated under Sub-section (3) at some point of time. In that view of the matter, the following direction is issued, in addition to the directions in Dr.Sajeer (supra). (i) The Police officer concerned shall inform the banks whether the seizure of the bank account has been reported to the jurisdictional Magistrate and if not, the time limit within which the seizure will be reported. If no intimation as to the compliance or the proposal to comply with the S.102 is informed to bank within one month of receipt of a copy of the judgment, the bank shall lift the debit freeze imposed on the petitioner's account. (ii) In order to enable the police to comply with the above direction, the bank as well as the petitioner shall forthwith serve a copy of this judgment to the officer concerned and retain proof of such service. 7. I am in complete agreement with the views in Dr.Sajeer and Nazeer K.T cases (supra). The above principles squarely apply to the facts of the case on hand. WP(C) NO. 9156 OF 2025 5 2025:KER:27542 In the above conspectus, I dispose of the writ petition by passing the following directions: (i). The respondents 1 and 2 Banks are directed to confine the freezing order of the petitioner's bank accounts only to the extent of the amount mentioned in the order/requisition issued by the Police Authorities. The above exercise shall be done forthwith, so as to enable the petitioner to transact through his account beyond the said limit; (ii). The Police Authorities are hereby directed to inform the Banks as to whether freezing of the petitioner's account will be required to be continued even in the afore manner; and if so, for what further time; (iii). On the Banks receiving the afore information/intimation from the Police Authorities, they will adhere with it and complete necessary action – either continuing the freeze for such period as mentioned therein; or withdrawing it, as the case may be; (iv). If, however, no information or intimation is received by the Banks in terms of direction (ii) above, the petitioner will be at full liberty to approach this Court again; for which purpose, all his contentions in this Writ Petition are left open and reserved to him, to impel in future; (v). The jurisdictional police officers shall inform the Banks whether the seizure of the bank accounts has been reported to the jurisdictional Magistrate and if not, the time limit within which the seizure will be reported. If no intimation as to the compliance or the proposal to comply with WP(C) NO. 9156 OF 2025 6 2025:KER:27542 Section 102 of the Cr.P.C. is received by the Banks within two months of receipt of a copy of this judgment, the Banks shall lift the debit freeze or remove the lien, as the case may be, on the petitioner's bank accounts; (vi) In order to enable the Police to comply with the above direction, the Banks, as well as the petitioner, shall forthwith serve a copy of this judgment to the jurisdictional officer and retain proof of such service. The writ petition is ordered accordingly. Sd/- C.S.DIAS, JUDGE NAB WP(C) NO. 9156 OF 2025 7 2025:KER:27542 APPENDIX OF WP(C) 9156/2025 PETITIONER EXHIBITS EXHIBIT P1 A TRUE PHOTO COPY OF THE STATE OF ACCOUNT ISSUED BY 1ST RESPONDENT TO THE PETITIONER EXHIBIT P2 A TRUE PHOTO COPY OF THE 1ST PAGE OF THE PASS BOOK ISSUED BY 2ND RESPONDENT TO THE PETITIONER EXHIBIT P3 A TRUE PHOTO COPY OF THE INTIMATION DTD:- 3/05/2024 SENT BY THE 1ST RESPONDENT TO THE PETITIONER REGARDING THE DEBIT FREEZE OF HIS ACCOUNT EXHIBIT P4 A TRUE PHOTO COPY OF THE RELEVANT PAGES OF THE COMPLAINT DTD: 26/04/2024 SENT BY THE 4TH RESPONDENT TO THE 2ND RESPONDENT