925ABA-2640-2026.DOC Aftab S./skt IN THE HIGH COURT OF JUDICATURE AT BOMBAY CRIMINAL APPELLATE JURISDICTION ANTICIPATORY BAIL APPLICATION NO. 2640 OF 2026 Rajeshwari Jayesh Joshi …Applicant Vs. State of Maharashtra …Respondent Mr. Vivek Rane a/w. Jitendra Jha i/b Afsar Ansari, for the Applicant. Ms. Savita M. Yadav, APP for the Respondent-State. API Madhumati Shinde, Pimpri Police Station. CORAM: MADHAV J. JAMDAR, J. DATE : 23rd SEPTEMBER, 2026 P. C.: 1. Heard Mr. Rane, learned counsel appearing for the Applicant and Ms. Yadav, learned APP for the Respondent-State. 2. The applicant by this application filed under section 482 of the Bharatiya Nagarik Suraksha Sanhita (BNSS), 2023 is seeking pre- arrest bail in connection with C.R. No. 489 of 2026 registered with Pimpri Police Station, Dist. Pimpri-Chinchwad for the offences punishable under Section 66 D of the Information and Technology, 2000 and Sections 318(4), 319 and 351(2) of Bharatiya Nyaya Sanhita, 2023 (“BNS”). 3. It is the submission of Mr. Rane, learned counsel appearing for the Applicant that there is a compromise arrived at between the 23rd September, 2026 925ABA-2640-2026.DOC Aftab S./skt Applicant and the First Informant and entire amount which is mentioned in the F.I.R. has been paid to the First Informant. He further submits that Applicant is not involved in the crime. There are no antecedents. Therefore, anticipatory bail be granted. 4. On the other hand, Ms. Yadav, learned APP submits the offence is a cyber crime where amount of Rs. 11,71,440/- has been transferred from the account of the First Informant to three different accounts belonging to the relatives of the Applicant. The same has been done by using the OTP (One Time Password) which was received by the First Informant. She submits that the offence is very serious, and therefore, custodial interrogation is necessary. 5. The statement of the First Informant on the basis of which the First Information Report is registered reads as under :- "जून 2026 मध्ये म मझे ऑफिसला असतान मला मबाईला क्रमक 9503947996 ये नबार वरून क%ला आला सदरचा क%ला एक मफि*लाचा असन ता न मला विवचारला क, ता-म्*ला लान चा आवश्येकता आ* म ता-म्*ला ऑनलाईन कजू0 कढून दता. त्येवळेस मला पै6शाचा गरजू असल्येन म ता ला तात्कळे *कर फिदला. त्येवळेस मला तितान तिताचा नव रधा अस सग ताला व ता-म्*< कजू0सठी> मला ता-मचा कगदपैत्रे द्या अस सगन मला मझे मबाईलामध्ये एक अॅBपै 23rd September, 2026 925ABA-2640-2026.DOC Aftab S./skt डाउनलाडा करण्येस सग ताला. व त्येनतार म सदरचा अॅBपै डाउनलाडा क ला. त्येनतार मबाईलावर येणार ओटी<पै ता न मला मग ताला. सदरचा ओटी<पै म ता ला फिदला. फिदनक 29/06/2026 रजू मझ्ये एसबा आये बाक च्ये अकउटीवर * 0040101* 0099509044300 17125 NEFT IDFB FINANCIA AT PBB PIMPLE NILAKH PUNE ये नवन मझ्ये खात्येवर 11,71,440/- रुपैये इताक, रक्कम जूम झेलाला फिदसला त्येचावळेस रधा पै-णा0 नव पैत्ता न*< ये मफि*लास म सपैक0 करून सग ताला क, मला इताक्ये कजू0चा आवश्येकता न*<. ता- मला न विवचारता एवढू कजू0 क कढूला त्येवळेस ता न मला धामक, दवन सग ताला क, आता बाघ म कये करता त्येनतार अचानकचा मला चार मसजूस आला व म ता ला फिदलाल्ये चार चाकच्ये द्वार 04 लाखा पैरम जूयेशा जूशा पै-न्* 04 लाखा जूयेशा मरश्वर जूशा नमक व्येक्ती,च्ये खात्येता, तासचा 50 *जूरचा ट्रांझेक्शान व 3,21,411/- रुपैयेचा ट्रांझेकशान जूयेशा ट्रांन्सर ये नव मझ्ये एसबा आये बाचाता खाता क्रमक 33605513637 ये खात्येतान वर<ला नवच्ये व्येक्ती,च्ये खात्येता पै6स ट्रांन्सर झेल्येचा 04 मसजूस मला आला. येबाबाता म रधा ये व्येक्ती,ला विवचारणा क ला असता ता न मला धामक, दवन म कणाला घबारता न*< ता-झे पै6स*< पैरता करणार न*< म आत्तापैये\ता फिकत्येक लाकन ला-टीला आ* ता- मझे क*<एक वकडा करू शाकता न*< अस बालान ता न त्येनतार मझे न उचालान बाद क ला. ताव्* मला खात्रे झेला क, रधा ये 23rd September, 2026 925ABA-2640-2026.DOC Aftab S./skt मफि*लान मझ्ये सध्ये स्वभावचा ग6रयेद घवन मला एक ऑनलाईन अॅBपै डाउनलाडा करण्येस सगन व त्येचा ओटी<पै मझ्येकडान घवन त्येद्वार मझ्ये नव कजू0 कढून व कजू0सठी> कगदपैत्रेच्ये नवखाला मझ्येकडान चार स*< क लाला चाक घवन त्येद्वार मझ्ये अकउटीमधान एक- णा 11,71,440/- रुपैये एवढू< रक्कम रुपैये कढून मझे आति_0क सवणाक क लाला आ*. तार< 01 जून 2026 ता फिदनक 24/07/2026 पैये\ता म कम करता असलाला नBशानला इन्शा-रन्स क पैन चा टी%वर विबाल्डिंल्डाग तिचाचावडा पै-णा ये फिठीकणा रधा नवचा मफि*ला तिताचा मबाईला क्रमक 9503947996 व तिताच्येसबाता एक इसम येन नBशानला इन्शा-रन्स क पैन जू टी%वर विबाल्डा<ग, कळेभारनगर, तिचाचावडा, पै-णा ये_ समक्ष येवन मला ऑनलाईन अॅBपै द्वार कजू0 कढूण्येस भाग पैडान सवणाक करण्येच्ये *तान लानसठी> लागणा-ये कगदपैत्रेसबाता मझे स*< क लाला मझ्ये एसबा आये बाbक चा चार चाक घताला. व त्येनतार मझ्ये सध्ये स्वभावचा ग6रयेद घवन मला एक ऑनलाईन अॅBपै डाउनलाडा करण्येस सगन व त्येचा ओटी<पै मझ्येकडान घवन त्येद्वार मझ्ये नव कजू0 कढून व कजू0सठी> कगदपैत्रेच्ये नवखाला मझ्येकडान चार स*< क लाला चाक घवन त्येद्वार मझ्ये अकउटीमधान एक णा 11,71,440/- रुपैये एवढू< रक्कम रुपैये कढून मझे आति_0क सवणाक क लाला आ* म्*णान मझे रधा ये मफि*लाविवरुद्ध कयेदशा र ताक्रर आ*.” 23rd September, 2026 925ABA-2640-2026.DOC Aftab S./skt The translation of the above statement is as under :- “In June 2026, while I was at my office, I received a call from mobile number 9503947996. The said call was from a woman, who asked me whether I required a loan and stated that she could arrange an online loan for me. At that time, as I was in need of money, I immediately agreed to her proposal. At that time, she told me that her name was Radha and asked me to provide my documents for obtaining the loan. She also instructed me to download an application on my mobile phone. Accordingly, I downloaded the said application. Thereafter, she asked me for the OTPs received on my mobile phone, and I provided the said OTPs to her. On 29/06/2026, I noticed that an amount of Rs. 11,71,440/- had been credited to my SBI bank account through NEFT, bearing the details “IDFB0040101*FINANCIA0099509044300 AT 17125 PBB PIMPLE NILAKH PUNE”. At the same time, I contacted the said woman, Radha, whose full name and address are not known to me, and told her that I did not require such a large amount as a loan. I also asked her why she had 23rd September, 2026 925ABA-2640-2026.DOC Aftab S./skt obtained such a large loan without consulting me. At that time, she threatened me and said, “Now watch what I do.” Thereafter, I suddenly received four messages informing me that, through the four cheques which I had given to her, an amount of Rs. 4,00,000/- had been transferred to an account in the name of Jayesh Joshi, another amount of Rs. 4,00,000/- had been transferred to an account in the name of Jayesh Moreshwar Joshi, and transactions of Rs. 50,000/- and Rs. 3,21,411/-, respectively, had been made in the name of Jayesh Transfer, from my SBI Savings Account No. 33605513637 to the accounts of the aforesaid persons. I received four messages regarding the said transactions. When I questioned the said person, Radha, about the same, she threatened me and stated, “I am not afraid of anyone. I will not return your money either. I have cheated many people till now. You cannot do anything against me.” Thereafter, she stopped answering my phone calls. At that time, I became certain that the said woman, Radha, had taken advantage of my simple and trusting nature by asking me to download an online application and obtaining the OTPs from me. By using the 23rd September, 2026 925ABA-2640-2026.DOC Aftab S./skt said OTPs, she obtained a loan in my name and, under the pretext of requiring documents for the loan, obtained four cheques bearing my signatures from me. Through the said cheques, she withdrew a total amount of Rs. 11,71,440/- from my account and thereby caused me financial loss and cheated me. Therefore, from 01/06/2026 to 24/07/2026, at the National Insurance Company Tower Building, Kalbhor Nagar, Chinchwad, Pune, where I was working, the woman named Radha, using mobile number 9503947996, along with one male person, personally came to the National Insurance Company Tower Building, Kalbhor Nagar, Chinchwad, Pune, and induced me to obtain a loan through an online application with the intention of cheating me. In connection with the said loan, they took from me the documents required for obtaining the loan along with four cheques of my SBI Bank account bearing my signatures. Thereafter, taking advantage of my simple and trusting nature, they instructed me to download an online 23rd September, 2026 925ABA-2640-2026.DOC Aftab S./skt application and obtained the OTPs received on my mobile phone from me. By using the said OTPs, they obtained a loan in my name and, under the pretext of obtaining documents for the loan, took four cheques bearing my signatures from me. Through the said cheques, they withdrew a total amount of Rs. 11,71,440/- from my account and thereby committed financial fraud against me. Therefore, I have a legal complaint against the said woman Radha. 6. Thus, the offence is very serious inter alia concerning the cyber crime. By using the account of the First Informant and asking him to download an App and by using the OTPs received by him the loan of Rs. 11,71,440/- was disbursed to him and immediately said amount of Rs.11,71,440/- was transferred in the account of relatives of the Applicant. 7. It is further significant to note the contention of learned counsel appearing for the Applicant that the said amount has been transferred to the accounts of the relatives of the Applicant on the basis of letter dated 1st July 2026 of the First Informant and the 23rd September, 2026 925ABA-2640-2026.DOC Aftab S./skt same has been done as per the written instructions of the First Informant. To substantiate said contention, reliance is placed on letter dated 1st July 2026 issued by the First Informant (Page 38 of the Anticipatory Bail Application). A scanned copy of the said letter is reproduced hereinbelow : 23rd September, 2026 925ABA-2640-2026.DOC Aftab S./skt 8. As noted earlier, learned counsel of the Applicant has stated that the entire amount has been repaid to the First Informant and the First Informant has given an affidavit placing on record the same. The last page of the said affidavit dated 17th September 2026 containing verification clause is scanned and reproduced hereinbelow :- 23rd September, 2026 925ABA-2640-2026.DOC Aftab S./skt 9. Comparison of alleged signature of the First Informant on letter dated 1st July 2026 (Page 38 of the Anticipatory Bail Application) and above signature of the First Informant executed before notary prima facie shows that the letter which has been annexed at Page No. 38 of this Anticipatory Bail Application purportedly signed by the First Informant is forged and fabricated letter. 10. The anticipatory bail is very extraordinary remedy and is not to be granted in a routine manner. Forged and fabricated letter of purportedly issued by the First Informant is relied on and annexed to the Anticipatory Bail Application. 11. Thus, in the facts and circumstances, no case is made for grant of anticipatory bail. Accordingly, Anticipatory Bail Application is dismissed. 12. The observations in this order are made for considering this Anticipatory Bail Application. The learned Trial Court shall not be influenced by any of the observations made hereinabove and shall decide the case on its own merits. [MADHAV J. JAMDAR, J.] 23rd September, 2026