Thrikkalangode Service Co-Operative Bank Ltd v Union of India and others

WP(C) NO. 6111 OF 2025 1 2025:KER:27363 **==> picture [57 x 57] intentionally omitted <==** ## **IN THE HIGH COURT OF KERALA AT ERNAKULAM** ## **PRESENT** **THE HONOURABLE MR.JUSTICE C.S.DIAS** **THURSDAY, THE 27[TH] DAY OF MARCH 2025 / 6TH CHAITHRA, 1947** **WP(C) NO. 6111 OF 2025** ## **PETITIONER/S:** **THRIKKALANGODE SERVICE CO-OPERATIVE BANK LTD NO.F 1548, THRIKKALANGODE PO,MANJERI, MALAPPURAM DISTRICT, REPRESENTED BY ITS SECRETARY, UMMU SALMA P, AGED 43 YEARS, D/O. MUHAMMED, VALIYAPARAMBIL(H), KARAKKUNNU PO,MALAPPURAM (BANK ACCOUNT NO. 02220 5001 789 OF ICICI BANK, MANJERI BRANCH), PIN - 676123** ## **BY ADV K.RAKESH** ## **RESPONDENT/S:** - **1 THE UNION OF INDIA REPRESENTED BY ITS SECRETARY, MINISTRY OF HOME AFFAIRS, NORTH BLOCK CENTRAL SECRETARIAT, NEW DELHI, PIN - 110001** - **2 THE RESERVE BANK OF INDIA REPRESENTED BY ITS GOVERNOR, HEAD OFFICE, MUMBAI, MAHARASTRA, PIN - 400029** - **3 THE STATE POLICE CHIEF POLICE HEAD QUARTERS, VAZHUTHACAUD, THIRUVANANTHAPURAM, PIN - 695014** - **4 THE DEPUTY COMMISSIONER CYBER CRIME CELL, UTTAR PRADESH POLICE, OFFICE OF DEPUTY COMMISSIONER OF POLICE CENTRAL NOIDA, COMMISSIONERATE DISTRICT, GAUTAM BUDDHA NAGAR, UTTAR PRADESH. E-MAIL: CYBERCELL-CN.GB@UP.GOV.IN, PIN - 203201** - **5 THE POLICE INSPECTOR CEN POLICE STATION NORTH EAST DIVISION, BANGALURU CITY, E-MAIL: CENPSNORTHEASTBCP@KSP.GOV.IN, PIN -** WP(C) NO. 6111 OF 2025 2 2025:KER:27363 **==> picture [57 x 57] intentionally omitted <==** ## **560001** - **6 THE POLICE INSPECTOR SOUTH CEN CRIME POLICE STATION, KARNATAKA BANGALORE CITY, 7THPHARASE J P NAGARA E-MAIL: SOUTHCYBERBENGALURU@GMAIL.COM, PIN - 560078** - **7 DEPUTY SUPERINTEND OF POLICE CYBER POLICE STATION, KOTA CITY, RAJASTHAN, E-MAIL: CCPS-KOTACITY@GOV.IN, PIN - 324001** - **8 THE INSPECTOR OF POLICE CYBER CRIME POLICE STATION, VIJAYAWADA CITY, NTR COMMISSIONERATE, ANDHRA PRADESH, E-MAIL: SHO_CCPS@VZA.APPOLICE.GOV.IN, PIN - 520002** - **9 THE INSPECTOR OF POLICE CYBER POLICE STATION, SAMARTH NAGAR, JALNA, MAHARASHTRA. E-MAIL: SAMBHAJI.WADATE1988@MAHAPOLICE.GOV.IN, PIN - 431213** - **0 THE INSPECTOR OF POLICE PIMPRI- CHINCHWAD POLICE COMMISSIONARATESANGVI, NAVI SANGVI-301, SHITOLE EMPIRE BLDG, PUNE, MAHARASHTRAE- MAIL; PASANGVI.PCPC-MH@GOV.IN, PIN - 411061** - **11 THE DEPUTY SUPERINTENDENT OF POLICE STATE CYBER CRIME CELL, GANDHINAGAR, GUJARAT STREET, E-MAIL: HELPLINE-CYBER-CID@GUJARAT.GOV.IN E-MAIL: PI-SECTOR7@GUJARAT.GOV.IN, PIN - 382016** - **12 THE INSPECTOR OF POLICE CYBER CRIME POLICE STATION, AHMEDABAD CITY, GUJARAT E-MAIL: HELPLINE-CYBER-CID@GUJARAT.GOV.IN, PIN - 380004** - **13 THE ICICI BANK SHIFA COMPLEX, URBAN CO-OPERATIVE BANK LIMITED, COURT RD, NEAR MANJERI, KARUVAMBRAM, MANJERI, KERALA, PIN - 676121** **BY ADVS. SHAHIER SINGH M. SHARAN SHAHIER(K/1202/2010)** **OTHER PRESENT:** WP(C) NO. 6111 OF 2025 3 2025:KER:27363 **==> picture [57 x 57] intentionally omitted <==** **DSGI SRI T C KRISHNA GP SMT VIDYA KURIAKOSE** **THIS WRIT PETITION (CIVIL) HAVING COME UP FOR ADMISSION ON 27.03.2025, THE COURT ON THE SAME DAY DELIVERED THE FOLLOWING:** WP(C) NO. 6111 OF 2025 4 2025:KER:27363 **==> picture [57 x 57] intentionally omitted <==** ## **C.S.DIAS, J.** **--------------------------------------WP(C) No. 6111 OF 2025** **----------------------------------------Dated this the 27[th] day of March, 2025** ## **JUDGMENT** The writ petition is filed to direct the 13[th] respondent bank to lift the freezing of the petitioner’s bank account bearing No.022205001789. 2. The petitioner’s case is that, it is the holder of the above bank account with the 13[th] respondent bank. The said account has been debit freezed by the 13[th] respondent pursuant to the requisitions received from the Police. The action of the 13[th] respondent is arbitrary. Hence, the writ petition. 3. Heard; the learned counsel appearing for the petitioner and the learned counsel appearing for the 13[th] respondent. 4. The learned counsel for the 13[th] respondent submitted that the total disputed amount is Rs.1,33,28,297/-. The above submission is recorded. 5. In considering an identical matter, this Court in WP(C) NO. 6111 OF 2025 5 **==> picture [57 x 57] intentionally omitted <==** ## 2025:KER:27363 **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], WP(C) NO. 6111 OF 2025 6 **==> picture [57 x 57] intentionally omitted <==** 2025:KER:27363 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 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 WP(C) NO. 6111 OF 2025 7 **==> picture [57 x 57] intentionally omitted <==** 2025:KER:27363 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 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 13[th] 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 it's 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; WP(C) NO. 6111 OF 2025 8 2025:KER:27363 **==> picture [57 x 57] intentionally omitted <==** (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 it's contentions in this Writ Petition are left open and reserved to the petitioner, 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 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; WP(C) NO. 6111 OF 2025 9 **==> picture [57 x 57] intentionally omitted <==** 2025:KER:27363 (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** rkc/27.03.25 WP(C) NO. 6111 OF 2025 10 2025:KER:27363 **==> picture [57 x 57] intentionally omitted <==** ## **APPENDIX OF WP(C) 6111/2025** **PETITIONER EXHIBITS** **Exhibit P1** **TRUE COPY OF THE MINI STATEMENT OF THE ACCOUNT OF THE PETITIONER** **Exhibit P2 TRUE COPY OF THE JUDGMENT DATED, 3-10-2023 IN W.P.(C)NO.30088/2023 OF THIS HON’BLE COURT** **Exhibit P3** **TRUE COPY OF THE COMMON JUDGMENT DATED, 26-3-2024 IN W.P.(C)NO.11312/2024 OF THIS HON’BLE COURT**