--- title: "Cyber Crime & IT Act Advocate in Ernakulam, Kerala" description: "Cyber crime and IT Act matters in Ernakulam, Kerala: UPI fraud, account freeze, sextortion, NCRP complaints, bail and High Court writs. Information only." url: "https://advaslam.com/practice/cyber-crime/" image: "https://advaslam.com/og/practice/cyber-crime.png" --- Practice · Cyber cell to High Court # Cyber crime & IT Act advocate in Ernakulam I handle cyber fraud and IT Act matters for complainants and for accused persons: 1930 and NCRP complaints, bank freeze and lien release, sextortion and deepfake takedowns, bail and quash petitions, and compensation claims. I assist with complaints to the cyber police, and appear before the Magistrate and Sessions Courts at Ernakulam and the High Court of Kerala. Adv. K J Muhammed Aslam · Bar Council of Kerala · High Court Junction, Ernakulam 120 matter types · [See every matter →](https://advaslam.com/practice/cyber-crime/matters/) · [Contact details →](https://advaslam.com/contact/) Coverage ## What does this area cover? - **[UPI, QR-code and OTP phishing](https://advaslam.com/practice/cyber-crime/matters/upi-qr-otp-phishing/)** — UPI collect-request, QR-swap, OTP, vishing, SIM-swap, WhatsApp-takeover and screen-share frauds, charged as cheating and cheating by personation under BNS ss.318 and 319 with IT Act ss.66C and 66D, together with bank disputes and RBI limited-liability claims. - **[Investment, task, crypto, ransomware and BEC fraud](https://advaslam.com/practice/cyber-crime/matters/investment-task-crypto-ransomware-bec/)** — Telegram investment and task scams, fake trading apps, P2P crypto trades, wallet drains, romance-investment frauds, ransomware and business email compromise, with multi-hop lien requests, FIRs, CERT-In reporting within 6 hours for covered entities, and the defence of account holders and introducers. - **[Bank account freeze, lien and mule-account allegations](https://advaslam.com/practice/cyber-crime/matters/freeze-lien-mule-ncrp/)** — Account freezes after NCRP complaints: a lien on one sum compared with a full debit-freeze, release of salary, pension and DBT accounts, merchant and gateway holds, mule-account allegations, and Magistrate release applications under BNSS ss.106, 497 and 503. - **[Harassment, sextortion and defamation](https://advaslam.com/practice/cyber-crime/matters/harassment-sextortion-defamation/)** — Stalking (BNS s.78), voyeurism (s.77), extortion (s.308) and defamation (s.356), with IT Act ss.66E, 67 and 67A for sextortion, non-consensual intimate images, deepfakes, fake profiles and loan-app harassment, on both the complainant and the accused side. - **[Intermediaries, evidence and search](https://advaslam.com/practice/cyber-crime/matters/intermediary-evidence-search/)** — Platform grievances and appeals to the Grievance Appellate Committee, s.69A blocking, INDRP complaints against look-alike domains, BSA s.63 certificates for electronic records, search and seizure under BNSS ss.105, 106 and 185, FSL requests and CDR disclosure through the investigating officer. ## What should you do in the first hour after a UPI fraud? Call 1930 first. The operator needs the transaction reference (UTR), the amount, the time, your bank and the recipient’s UPI ID or account number, so keep those in front of you rather than the whole story, and note the ticket number. Then file the same details on cybercrime.gov.in under financial fraud, and send a written dispute to your bank’s fraud desk. For a third-party breach, notice to the bank within 3 working days of its alert is what keeps customer liability at zero under the RBI directions. Do not reset the phone, uninstall the app the caller asked you to install, or delete chats. Screenshots help, but the device and the original messages matter more, because a BSA s.63 certificate will be needed if the case goes to trial. If a second caller offers to recover the money for a fee, that is usually the same fraud returning. Then lodge a written complaint at the cyber police station, with a chronology that matches the NCRP and bank filings. ## Do you act for complainants or for the accused? Both. Complainants usually need the reporting sequence, a lien on the money trail, escalation under BNSS s.173(4) and s.175(3) when the police do not register or investigate, and later a claim before the bank, the RBI Integrated Ombudsman or the Adjudicating Officer. Account holders and accused persons usually come in after a freeze, a notice or an arrest: students and homemakers whose accounts were used as mule accounts, shopkeepers and freelancers paid with tainted UPI money, P2P crypto traders, and people named in harassment or defamation complaints after a relationship or business dispute ends. For them the work is a reply to the investigating officer with source documents, release of the untainted balance, bail or anticipatory bail, and discharge or quashing where the record shows no dishonest intent. The same evidence rules apply on both sides: complete records, not selected screenshots. ## Recovering money after UPI fraud: fraudulent transfer and bank reversal Money sent through a UPI app such as Google Pay or PhonePe after a fraud call, a QR-code swap or a shared OTP is traced through the 1930 helpline and the NCRP complaint, which ask banks to put a lien on the credit before it moves again. Reversal of the fraudulent transfer is then claimed from your own bank in writing: under the RBI’s customer-liability directions, prompt notice after an unauthorised electronic transaction is what keeps the customer’s liability low or nil, and an unresolved complaint goes to the RBI Integrated Ombudsman. Where the cyber police station does not act on the complaint, the Magistrate can be moved under Section 175(3) of the BNSS, and the High Court of Kerala in a writ petition. Complaints and bail matters are heard by the Chief Judicial Magistrate and Judicial First Class Magistrate courts at Ernakulam. See the [UPI, QR-code and OTP fraud entries](https://advaslam.com/practice/cyber-crime/matters/upi-qr-otp-phishing/#section-recovering-money-after-upi-fraud-fraudulent-transfer-and-bank-reversal) and [what to do when a cyber complaint draws no action](https://advaslam.com/writing/cyber-complaint-filed-no-action-escalation/). Forums ## Which court or authority hears it? | Matter | Law | Forum | Time limit | | --- | --- | --- | --- | | Reporting an online financial fraud | BNSS s.173; NCRP procedure | 1930 helpline, cybercrime.gov.in, cyber police station | No fixed limit; report within the first hours | | Bank refusing to reverse an unauthorised debit | RBI Responsible Business Conduct Directions 2025, paras 67–73 | Bank nodal officer; RBI Integrated Ombudsman; Consumer Commission | Zero liability needs notice within 3 working days (third-party breach) | | Police not registering or investigating | BNSS s.173(4), s.175(3) | Superintendent of Police; Judicial Magistrate | No fixed limit | | Release of a frozen account or seized device | BNSS ss.106, 497, 503 | Judicial Magistrate; revision to Sessions Court or High Court | Revision within 90 days of the order | | Compensation for unauthorised access or data loss | IT Act ss.43, 46 | Adjudicating Officer (claims up to ₹5 crore); civil court above that | Appeal to the Appellate Tribunal within 45 days | | Takedown of intimate or impersonating content | IT Rules 2021, r.3(2)(b), r.3A | Platform Grievance Officer; Grievance Appellate Committee | Removal within 2 hours; GAC appeal within 30 days | | Bail or anticipatory bail in a cyber case | BNSS ss.480, 482, 483 | Sessions Court, Ernakulam; High Court of Kerala | No fixed limit | | Quashing a cyber FIR or charge sheet | BNSS s.528 | High Court of Kerala | No fixed limit | Limits run from the date the law specifies; check them against your own dates. How it proceeds ## How does a matter proceed? 1. **Call 1930 and file on NCRP.** Call 1930 with the UTR numbers, amounts and times, then file the same details on cybercrime.gov.in under the correct category. Both reference numbers start the lien on the recipient accounts. 2. **Written complaints to the bank and police.** A written dispute to the bank's fraud desk and a complaint under BNSS s.173 at the cyber police station, all carrying one chronology and the same transaction table. 3. **Escalation when the police do not act.** A complaint to the Superintendent of Police under BNSS s.173(4), then an affidavit-backed application to the Magistrate under s.175(3) for a direction to investigate. 4. **Freeze, notice and custody stage.** For account holders and accused persons: a reply to the investigating officer with source documents, a release application before the Magistrate, and bail or anticipatory bail where arrest is a real risk. 5. **Parallel and High Court remedies.** The RBI Integrated Ombudsman, the Adjudicating Officer under IT Act s.46, platform grievance and GAC appeals, and a writ or quash petition before the High Court of Kerala where the statutory route fails. ## What should you keep ready? - Bank statement for the period, with each disputed UTR marked - 1930 ticket number, NCRP complaint number and the bank's dispute receipt - Screenshots with URLs, phone numbers, UPI IDs and timestamps, plus full chat exports - The phone or computer used, not reset, and original emails with full headers - Any lien notice, police notice under BNSS s.35 or s.94, and letters from the investigating officer - Proof of lawful source for disputed credits: invoices, salary slips, delivery records - Identity proof and, for a business, the authority to act for it Reading ## Guides and articles on this area - [Bank Account Frozen by Kerala Cyber Cell](https://advaslam.com/guides/bank-account-frozen-kerala-cyber-cell-guide/) Guide - [Digital Arrest & Online Harassment, Kerala](https://advaslam.com/guides/digital-arrest-online-harassment-response-note/) Guide - [Cyber Fraud Defence in Kerala: Freeze to Recovery Hub](https://advaslam.com/writing/cyber-fraud-defence-kerala/) Article - [Telegram Task Scam and Online Job Fraud: How It Works and How to Recover Money in Kerala](https://advaslam.com/writing/telegram-job-task-scam-recovery/) Article - [Cyber Complaint Filed on 1930 or NCRP but No Action? How to Escalate in Kerala](https://advaslam.com/writing/cyber-complaint-filed-no-action-escalation/) Article - [Instagram or Social Media Account Hacked in Kerala? How to Recover It Under the IT Rules](https://advaslam.com/writing/instagram-hacked-account-recovery-it-rules/) Article [All 15 articles in this area →](https://advaslam.com/writing/#cyber-crime) The answers below are general information, not advice on your facts. The [bank-freeze guide](https://advaslam.com/guides/bank-account-frozen-kerala-cyber-cell-guide/) covers lien and release step by step, the [digital-arrest note](https://advaslam.com/guides/digital-arrest-online-harassment-response-note/) covers fake-police calls and harassment, and the [matters index](https://advaslam.com/practice/cyber-crime/matters/) lists each fraud and freeze type with its law and forum. FAQ ## Common questions **My bank account was frozen over a UPI credit. What should I do first?** Ask the branch in writing for the crime number, police station, investigating officer and amount under lien. With those details, a representation with source documents, or a release application before the Magistrate under BNSS s.106, can follow. **Is a digital arrest call from the CBI or police real?** No. Indian law has no procedure called digital arrest, and no agency questions or arrests anyone over a video call while demanding money; such calls are cheating and extortion under the BNS and IT Act s.66D. **Can a cyber crime case against me be quashed?** Yes, in appropriate cases. The High Court of Kerala can quash proceedings under BNSS s.528, formerly s.482 CrPC, where the record taken at its highest discloses no offence or shows abuse of process; disputed facts go to trial. **Will the bank refund money lost in a UPI fraud?** It depends on fault and how fast you reported. Under the RBI directions, a customer who reports a third-party breach within 3 working days of the bank's alert has zero liability, and refusals can go to the RBI Integrated Ombudsman. **A cyber cell from another state sent me a notice. Must I travel there?** Not immediately. Verify the notice, crime number and officer in writing first, since many such calls are fake; a genuine BNSS s.35 notice is complied with on its terms, and anticipatory bail can be sought where arrest is a real risk. **How do I get a morphed or intimate image removed from a platform?** Complain to the platform's Grievance Officer, which must act within 2 hours on intimate-image and impersonation complaints under the amended IT Rules. File on NCRP and with the cyber police in parallel, saving the URLs before removal. Matters ## Every matter, by group Each matter type with its law, forum, procedure, documents and limitation clock. [All 120 on one page →](https://advaslam.com/practice/cyber-crime/matters/) - [UPI, QR-code and OTP phishing](https://advaslam.com/practice/cyber-crime/matters/upi-qr-otp-phishing/) 24 - [Investment, task, crypto, ransomware and BEC fraud](https://advaslam.com/practice/cyber-crime/matters/investment-task-crypto-ransomware-bec/) 24 - [Bank account freeze, lien and mule-account allegations](https://advaslam.com/practice/cyber-crime/matters/freeze-lien-mule-ncrp/) 24 - [Harassment, sextortion and defamation](https://advaslam.com/practice/cyber-crime/matters/harassment-sextortion-defamation/) 24 - [Intermediaries, evidence and search](https://advaslam.com/practice/cyber-crime/matters/intermediary-evidence-search/) 24 Related ## Related practice areas [**Criminal law: bail, quash & appeals**Bail and anticipatory bail, special-statute bail, quash and discharge, criminal appeals and revisions, and police and detention writs.](https://advaslam.com/practice/criminal/) [**Data protection & DPDP compliance**DPDP Act notices, consent, children's and HR data, vendor contracts, breach response and Board complaints; most duties apply from May 2027.](https://advaslam.com/practice/data-protection/) [**High Court writs & procedure**Article 226 writs, OP(C) under Article 227, writ appeals, contempt, review and caveat before the High Court of Kerala.](https://advaslam.com/practice/high-court-litigation/) About the advocate: [Adv. K J Muhammed Aslam](https://advaslam.com/profile/), enrolled with the Bar Council of Kerala; office at High Court Junction, Ernakulam. General information, not legal advice. Contact [WhatsApp](https://wa.me/919497240215?text=Hello%2C%20I%20found%20advaslam.com%20and%20would%20like%20to%20discuss%20a%20matter.) [contact@advaslam.com](mailto:contact@advaslam.com) [+91 94972 40215](tel:+919497240215) 3rd Floor, Lalan Towers (KGL Builders), Vanchi Square, High Court Junction, Ernakulam, Kerala 682031 · Monday – Saturday, 10:00 – 18:30 (by appointment) ```json {"@context":"https://schema.org","@graph":[{"@type":"WebSite","@id":"https://advaslam.com/#website","url":"https://advaslam.com","name":"Adv. K J Muhammed Aslam","alternateName":"advaslam.com","publisher":{"@id":"https://advaslam.com/#person"},"inLanguage":"en-IN"},{"@type":"Person","@id":"https://advaslam.com/#person","name":"K J Muhammed Aslam","alternateName":["Adv. 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