2025:KER:27563 IN THE HIGH COURT OF KERALA AT ERNAKULAM PRESENT THE HONOURABLE MR.JUSTICE C.S.DIAS FRIDAY, THE 28TH DAY OF MARCH 2025 / 7TH CHAITHRA, 1947 WP(C) NO. 40174 OF 2024 PETITIONER: MUHAMMED KEENARI AGED 26 YEARS S/O.ABDULLA KEENARI, PANIYATH VILLA PUTHAN PURAYIL PANOOR AMSOM DESOM, THALASSERY TALUK, PANOOR P.O, KANNUR DISTRICT. PIN 670692 REPRESENTED BY HIS POWER OF ATTORNEY HOLDER ABDUL NAZAR VALIYA PARAMBATH S/O. KUNHIMOOSA, AGED 56 YEARS, VALIYA PARAMBATH HOUSE PANOOR AMSOM DESOM, THALASSERY TALUK, PANOOR P.O, KANNUR DISTRICT, PIN - 670692 BY ADV ANILKUMAR V. (VAZHARAMBIL) RESPONDENTS: 1 UNION OF INDIA REPRESENTED BY ITS SECRETARY, MINISTRY OF HOME AFFAIRS, NEW DELHI., PIN - 110001 2 RESERVE BANK OF INDIA REPRESENTED BY REGIONAL MANAGER OF RBI NO. 6507 BAKERY JUNCTION, NANDAVANAM PALAYAM, THIRUVANATHAPURAM, KERALA, PIN - 695033 3 NATIONAL CYBER CRIME REPORTING PORTAL (MHA PORTAL) REPRESENTED BY ITS DIRECTOR NATIONAL HIGHWAY-8, MAHIPALPUR, NEW DELHI, PIN - 110037 4 STATE OF KERALA REPRESENTED BY HOME SECRETARY GOVERNMENT OF KERALA, SECERTRIAT, THIRUVANATHAPURAM, PIN - 695001 5 FEDERAL BANK LTD, PANOOR BRANCH REPRESENTED BY ITS BRANCH MANAGER PUTHOOR ROAD, PANOOR, PANOOR P.O KANNUR DISTRICT., PIN - 670692 WP(C) No.40174 of 2024 2 2025:KER:27563 6 FEDERAL BANK LTD., ZONAL OFFICE REPRESENTED BY ITS ZONAL MANAGER 1 ST FLOOR, FEDERAL TOWERS 27/97G, MAVOOR ROAD, KOZHIKODE KOZHIKODE, PIN - 673016 7 THE CYBER POLICE REPRESENTED BY POLICE INSPECTOR/ STATION HOUSE OFFICER VALSAD CITY POLICE STATION, JW4H+M92, JALARAM RD, IRRIGATION COLONY, KAPADIA CHAL, VALSAD, GUJARAT, PIN - 396001 DSGI GP SRI B S SYAMANTHAK SC MOHAN JACOB GEORGE THIS WRIT PETITION (CIVIL) HAVING BEEN FINALLY HEARD ON 28.03.2025, THE COURT ON THE SAME DAY DELIVERED THE FOLLOWING: WP(C) No.40174 of 2024 3 2025:KER:27563 JUDGMENT Dated this the 28th day of March, 2025 The writ petition is filed to direct the 5th respondent bank to lift the debit freezing of the petitioner’s bank account bearing No.20260100104682. 2. The petitioner is the holder of the above bank account with the 5th respondent bank. The petitioner contends that the 5th respondent bank has frozen the petitioner’s bank account pursuant to the requisition received from the police. The action of the 1st respondent is illegal and arbitrary. Hence, the writ petition. 3. Heard; the learned counsel appearing for the petitioner, the learned Government Pleader and the learned counsel appearing for the 5th respondent. 4. The learned counsel appearing for the 5th respondent submitted that the disputed amount is Rs.50,000/-. The said submission is recorded. 5. In considering an identical matter, this Court in Dr.Sajeer v. Reserve Bank of India [2024 (1) KLT 826] held as follows: WP(C) No.40174 of 2024 4 2025:KER:27563 “ 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 Section 102 of the Code laid down by the Hon'ble Supreme WP(C) No.40174 of 2024 5 2025:KER:27563 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 ofreceipt 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 WP(C) No.40174 of 2024 6 2025:KER:27563 principles squarely apply to the facts of the case on hand. In the above conspectus, I dispose of the writ petition by passing the following directions: (i). The 5th respondent Bank is directed to confine the freezing order of the petitioner's bank account 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 Bank 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 Bank 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 Bank 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 Bank 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 Section 102 of the Cr.P.C. is WP(C) No.40174 of 2024 7 2025:KER:27563 received by the Bank within two months of receipt of a copy of this judgment, the Bank shall lift the debit freeze or remove the lien, as the case may be, on the petitioner's bank account; (vi) 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 jurisdictional officer and retain proof of such service. The writ petition is ordered accordingly. Sd/- C.S.DIAS, JUDGE AJ WP(C) No.40174 of 2024 8 2025:KER:27563 APPENDIX OF WP(C) 40174/2024 PETITIONER EXHIBITS Exhibit P1 THE TRUE COPY OF THE POWER OF ATTORNEY DATED 25.08.2024 EXECUTED BY THE PETITIONER IN FAVOR OF ABDUL NAZAR VALIYA PARAMBATH, S/O. KUNHIMOOSA, AGED 56 YEARS, VALIYA PARAMBATH HOUSE PANOOR AMSOM DESOM, THALASSERY TALUK, PANOOR P.O, KANNUR DISTRICT Exhibit P2 THE TRUE COPY OF THE FRONT PAGE OF THE PASS BOOK OF THE SAVING BANK NO, 20260100104682 OF THE PETITIONER DATED NIL WITH THE 5TH RESPONDENT Exhibit P3 THE TRUE COPY OF THE INTIMATION LETTER ISSUED BY THE 5TH RESPONDENT DATED 19.05.2023 TO THE PETITIONER Exhibit P4 THE TRUE COPY OF THE LETTER ISSUED BY THE PETITIONER DATED 22.05.2023 TO THE 7TH RESPONDENT 19.03.2024 Exhibit P 5 THE TRUE COPY OF THE LETTER ISSUED BY THE PETITIONER DATED 20.03.2024 TO THE 6TH RESPONDENT Exhibit P6 THE TRUE COPY OF THE LETTER ISSUED BY THE 6TH RESPONDENT TO THE PETITIONER DATED 21.03.2024