I need legal guidance regarding my bank account freeze.

Querist : Anonymous (Querist) 29 August 2025 This query is : Resolved
Namaste,

I need legal guidance regarding my bank account freeze.

My bank account has been frozen by UP Police (Raebareli) under Sections 94/106 of the Bharatiya Nagarik Suraksha Sanhita, 2023 (BNSS). The freeze order mentions that it is related to a suspicious transaction.

Here are the key details:

I have received all the details of the freeze order, including the investigating officer’s contact (phone/email) and the specific transaction that led to the freeze.

On reviewing, I found that the transaction is actually from 2023 and was from an unknown source. I myself considered it suspicious but at that time I did not file any complaint (missed it).

Now in 2025, suddenly my account has been frozen based on this old transaction.

I am from Jharkhand and I have no connection with Raebareli (UP). I have never visited there and have no business or personal links to that place.

My main concerns:

Since I have no connection with Raebareli, does the police there even have proper jurisdiction to freeze my account?

Should I directly approach the investigating officer and explain that the money was from an unknown source and I did not benefit from it, or would that weaken my position since I never complained at that time?

Is it better to directly file an application before the Magistrate/Court for unfreezing the account instead of approaching the officer?

What is the best legal approach here to avoid unnecessary complications?

I would be very grateful if any advocate could guide me on the safest and most effective step forward.

Thank you

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Quick Summary

This discussion addresses a user whose bank account was frozen by UP Police (Raebareli) under Sections 94/106 of the BNSS due to a suspicious transaction from an unknown source in 2023. The user, who has no connection to Raebareli, is seeking legal advice on jurisdiction, the best approach to deal with the investigating officer, and whether to approach the court directly. Guidance suggests contacting the police and providing relevant documents, with the High Court being a potential recourse if issues persist.

T. Kalaiselvan, Advocate (Expert) 30 August 2025
Collect all relevant documents, such as bank statements, proof of income, and any communication from the police
If the police do not cooperate, your lawyer can file a petition for de-freezing with the appropriate court, such as the Magistrate's court or the High Court.
Police can freeze accounts under Section 102 of the CrPC if the funds are believed to be proceeds of crime or related to an ongoing investigation.
sECTION 94 bnss Authorizes courts and police officers to compel the production of documents and other things (including electronic communications and devices) that are deemed necessary for legal proceedings.
section 106 BNSS Allows police officers to seize property that is suspected of being stolen or found in suspicious circumstances.
The section provides a mechanism for handling property found in suspicious circumstances.
It ensures that the property is secured and can be presented before the court when needed.
You may either visit the concerned police station or the court where the case is registered and look for relief.

Dr. J C Vashista (Expert) 30 August 2025
You have been issued summons u/s 94/ 106 which empowers investigation and production of documents qua suspecious transaction in your account.
You are supposed to submit all evidences / documents / information concerning the transaction.
Approach personally to the Investigating Officer and request to defreeze your account, if not required.

Sudhir Kumar, Advocate (Expert) 31 August 2025
Since I have no connection with Raebareli, does the police there even have proper jurisdiction to freeze my account?

YES. IF THEY ARE INVESTIGATING A COMPAINT.

Should I directly approach the investigating officer and explain that the money was from an unknown source and I did not benefit from it, or would that weaken my position since I never complained at that time?

THERE IS NO OTHR CHOICE

Is it better to directly file an application before the Magistrate/Court for unfreezing the account instead of approaching the officer?

IN CASE YOU ARE REALY INTERESTED IN COMPLICATING ISSUE.THEN GO AHEAD.

YOU HAVE YOURSELF SAID THAT THERE WAS IRREGULAR TRANSACTION ON WHICH YOU DID NOT REACT TIMELY. PRIMA-FACIE GUILTY YOU APPEAR TO BE.

What is the best legal approach here to avoid unnecessary complications?

CONTACT THE POLICE. .

P. Venu (Expert) 01 September 2025
The remedy lies in approaching the High Court in a Writ Petition. There have many decision in the recent past the Police authorities are not empowered to weaponize the provision for freezing of suspicious transactions in Bank accounts.

Sudhir Kumar, Advocate (Expert) 02 September 2025
May not even need to to to High Court if you meet the agency and apprise yourself of the facts.

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