Allowed

Jai Kishore Aggarwal v. Union of India & Anr.

Delhi HC13 Apr 2026W.P.(C)/4903/2026

Case brief

AI extract

What is this about?

Writ petition challenging blanket freezing of the petitioner's savings account by Bank of Baroda following a CFCFRMS cyber fraud complaint concerning Rs. 798. The court held the freeze violated natural justice and was disproportionate and arbitrary, directing defreezing subject to a lien on the disputed amount, and allowed the petition.

What did the court decide?

Petition allowed; respondent bank to defreeze petitioner's savings account subject to lien on Rs. 798, if no other disputed transaction.

Jai Kishore Aggarwal Vs Union of India & Anr. — Banking and Recovery | Delhi HC (2026)

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$~86

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IN THE HIGH COURT OF DELHI AT NEW DELHI

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- W.P.(C) 4903/2026 JAI KISHORE AGGARWAL

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.....Petitioner Through: Mr Aman Sharma & Mr. G.S. Arora Advs.

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versus

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UNION OF INDIA & ANR.

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.....Respondent Through: Ms. Himanshi Singh (SPC) with Mr. Rohit kumar and Mr. Muhammad Aamir Khan, Ms. Mona lisa Advocates for R1 Mr. Rajiv Kapur, Adv along with Mr. Akshit Kapur, AoR for R2

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CORAM: HON'BLE MR. JUSTICE JASMEET SINGH O R D E R % 13.04.2026

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CM APPL. 24044/2026

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Allowed subject to all just exceptions.

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The application stands disposed of.

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W.P.(C) 4903/2026

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This is a writ petition filed under Article 226 of the Constitution of India seeking the following prayers:-

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“It is therefore, most respectfully prayed that by means of appropriate order/direction/writ, the Respondent No. 2 Bank may be directed to defreeze the Savings bank account bearing No. 4184010001863 of the petitioner to the Respondent No. 2

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This is a digitally signed order.

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The authenticity of the order can be re-verified from Delhi High Court Order Portal by scanning the QR code shown above. The Order is downloaded from the DHC Server on 16/04/2026 at 13:36:13

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i.e. Bank of Baroda at its Branch at 2, Mukhiya Market, Near Post Office, Karawal Nagar, Delhi-110094, in the interest of justice. . . .”

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For the reasons stated in the petition, issue notice.

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Ms. Singh, learned SPC and Mr. Kapur, learned counsel accepts notice on behalf of the respondent Nos. 1 and 2 respectively.

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Mr. Arora, learned counsel for the petitioner draws my attention to the document namely P-2 which is a complaint issued by the Citizen Financial Cyber Frauds Reporting and Management System ( “CFCFRMS” ), wherein the disputed amount in the petitioner’s account is Rs. 798/-.

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The entire account of the petitioner has been freezed due to the said complaint.

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The freezing of an account is an action entailing serious consequences creating hardships for commercial entities in their smooth functioning and the same might result in commercial death of the petitioner. The respondent bank cannot be permitted to take such harsh measures without complying with the principles of natural justice and without any application of mind.

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For the said reasons, I am of the view that the impugned action of account freezing in the present case is not only in clear violation of the principles of natural justice but also disproportionate and an arbitrary exercise of power thereby striking a blow at the fundamental rights of the petitioner. The impugned action is without due application of mind as an indiscriminate blanket freeze has been imposed on the account of the petitioner for an allegedly suspicious entry of a meagre amount.

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This is a digitally signed order.

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The authenticity of the order can be re-verified from Delhi High Court Order Portal by scanning the QR code shown above. The Order is downloaded from the DHC Server on 16/04/2026 at 13:36:13

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Therefore, the action deserves to be set aside.

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In case there is no other disputed transaction amount in the petitioner’s account, the account of the petitioner shall be defreezed subject to a lien on Rs. 798/-.

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Hence, the petition is allowed in the aforesaid terms.

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JASMEET SINGH, J

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APRIL 13, 2026 / (MS)

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This is a digitally signed order. The authenticity of the order can be re-verified from Delhi High Court Order Portal by scanning the QR code shown above. The Order is downloaded from the DHC Server on 16/04/2026 at 13:36:13

Jai Kishore Aggarwal v. Union of India & Anr.

Case brief

What is this about?

What did the court decide?

Jai Kishore Aggarwal v. Union of India & Anr.

Case brief

What is this about?

What did the court decide?

What the court decided

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Issues for consideration

Statutes considered

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