Disposed¶22

Manpreet Kaur v. Capital Small Finance Bank Ltd. and Anr.

Punjab & Haryana HC7 Nov 2025CWP/28910/2025

Case brief

AI extract

What is this about?

Bank account freeze; de-freeze of bank account; cyber fraud; fraudulent electronic transactions; lien on disputed amount; seizure memo; police station requests; Capital Small Finance Bank Ltd.; mandamus; Punjab & Haryana High Court; CWP-28910-2025; Suvir Sehgal, J.; Jaspreet Singh v. Union of India, CWP-3464-2024; balance release subject to lien.

What did the court decide?

Direction to respondent No.1 (bank) to remove the freeze on account No.008121000001, subject to a lien on the disputed amount of Rs.1,38,406/-; petitioner free to utilize the remaining balance without prejudice to any other attachment or freezing order. ¶22

Manpreet Kaur Vs Capital Small Finance Bank Ltd. and Anr. — Punjab & Haryana HC (2025) — LawSathi Research

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CWP-28910-2025

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-1-

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IN THE HIGH COURT OF PUNJAB & HARYANA AT CHANDIGARH

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(205)

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CWP-28910-2025 Date of decision:- 07.11.2025

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Manpreet Kaur ... Petitioner

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Versus

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Capital Small Finance Bank Ltd. and another ... Respondents

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CORAM: HON'BLE MR. JUSTICE SUVIR SEHGAL

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Present:- Mr. Amit Dhawan, Advocate for the petitioner.

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Mr. Rahul Rampal, Advocate and Mr. Ankush Rampal, Advocate for respondent No.1.

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None for respondent No.2.

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********

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SUVIR SEHGAL, J. ( ORAL )

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This petition has been filed, inter alia , for issuance of a writ, in the nature of mandamus, directing respondents to de-freeze petitioner’s bank account maintained at Capital Small Finance Bank Ltd., Shahkot Road, near Bus Stand Malsian, District Jalandhar, respondent No.1.

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Counsel for the petitioner states that petitioner is a homemaker and has a saving account with the bank – respondent No.1. An amount of Rs.1,00,000/- each was electronically transferred to the account by Kuldeep Rani and Jatin on 05.04.2024. Counsel submits that petitioner was informed that as both the transactions were fraudulent, the bank account was freezed and she was supplied a copy of seizure memo dated 04.11.2024, Annexure P-10.

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KAMAL SHARMA 2025.11.10 16:54 I attest to the accuracy and authenticity of this order/judgment. High Court, Sector-1, Chandigarh.

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CWP-28910-2025 -2-

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Counsel asserts that an amount of Rs.1 Lakh was debited from the account in compliance of a direction given by Court at Palakkad and after keeping a lien on disputed amount, balance amount be released.

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Short reply has been filed by bank-respondent No.1, wherein it has been submitted that separate requests, Annexures R-1/1 to R-1/3, have been received from different police stations and total disputed amount is Rs.1,38,406/-.

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I have heard counsel for the parties and considered their respective submissions.

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Keeping in view the directions passed by a co-ordinate Bench of this Court in CWP-3464-2024 titled a Jaspreet Singh Versus Union of India and others , decided on 05.07.2024, writ petition is disposed of with a direction to respondent No.1 to remove the freeze of bank account No.008121000001. The bank – respondent No.1 will, however, made a lien of the disputed amount of Rs.1,38,406/- and petitioner would be at liberty to utilize the remaining balance amount lying in her account, without prejudice to any other attachment order or order freezing the bank account.

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(SUVIR SEHGAL) JUDGE

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07.11.2025

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Kamal

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Whether Speaking/Reasoned	Yes/No
Whether Reportable	Yes/No

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KAMAL SHARMA 2025.11.10 16:54 I attest to the accuracy and authenticity of this order/judgment. High Court, Sector-1, Chandigarh.

Manpreet Kaur v. Capital Small Finance Bank Ltd. and Anr.

Case brief

What is this about?

What did the court decide?

Manpreet Kaur v. Capital Small Finance Bank Ltd. and Anr.

Case brief

What is this about?

What did the court decide?

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What the court decided

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