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ULike we need to rate maps initially and then we need to put some money and do some tension things and we get like 10% extra.
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UBeing scammed does not make you a criminal, and a frozen account because of someone else’s fraud is something courts have repeatedly stepped in to fix – so take a breath.
On the legal side, the Telegram “task rating” scheme runs on cheating by personation: the operators pretended to be legitimate employers to get you to transfer money. That is an offence under Section 318 of the Bharatiya Nyaya Sanhita, 2023.[1] File an FIR at the cybercrime police station or online at [cybercrime.gov.in](http://cybercrime.gov.in) (National Cyber Crime Reporting Portal) using the financial fraud category. Do this today – speed matters for any chance of a transaction freeze on the scammer’s end.
On the frozen account, two courts have drawn a clear line. In *Sajeer vs Reserve Bank of India* (Kerala High Court, September 2023), innocent account holders whose accounts were entirely frozen because of cyber-crime allegations got relief: the court held that banks can freeze only the specific amount linked to the fraud, not the whole account, and directed police to communicate the freeze status within eight months.[2] The Delhi High Court went further in *Pawan Kumar Rai vs Union of India* (December 2024), where an account was frozen over a fraud link worth just Rs. 105 – the court ordered the bank to de-freeze the account and place only a lien on that disputed amount, letting the petitioner use the rest of his balance while the investigation ran.[3] Your situation maps onto both cases: you are the victim, not the accused, and the freeze on your entire account is disproportionate to whatever specific amount is alleged.
If the cyber team calls and the freeze continues beyond a week or two, send a written representation to the bank’s nodal officer citing both judgments and asking them to limit any freeze to the disputed amount.
On background verification – being a fraud victim who filed an FIR does not show up as a negative entry. BGV checks criminal records, not police complaints filed by you.
Keep the transaction screenshots, the Telegram chat history, and all bank communications.
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[1] [Bharatiya Nyaya Sanhita, 2023 — Section 318: Cheating](https://cassie.in/laws/The_Bharatiya_Nyaya_Sanhita%2C_2023/318) — Criminalises fraudulent deception that induces a person to deliver property or suffer harm; punishable with imprisonment up to three years or fine or both.
[2] [Sajeer vs Reserve Bank of India, 2023 Cassie (KER HC) 7326, Kerala High Court](https://cassie.in/research/judgment/1252285) — Court held that freezing entire bank accounts of innocent citizens was unjustified; directed banks to freeze only the specific amount linked to the alleged cyber-fraud.
[3] [Pawan Kumar Rai vs Union of India & Anr., 2024 Cassie (DEL HC) 1867, Delhi High Court](https://cassie.in/research/judgment/75562) — Court ordered de-freezing of an innocent victim’s bank account, with only a lien on the disputed Rs. 105 linked to cyber-fraud, protecting the petitioner’s right to livelihood.
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