Begusarai | In a major breakthrough against organised cyber fraud, cyber police in Bihar’s Begusarai district have arrested a man accused of providing his bank account to online fraudsters for routing illegally obtained money. Investigators claim that transactions worth more than ₹15.25 crore were carried out through the account over the past eight months, raising suspicion of a large interstate cybercrime network operating behind the scenes.
According to officials, the arrested accused has been identified as Sunil Kumar, a resident of the Phulwaria police station area in Begusarai district. Investigators allege that he knowingly permitted cyber criminals to use his savings account as a “mule account” for transferring and layering money generated through online scams and digital fraud operations.
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The case came to light after district cyber police received alerts regarding unusually high and suspicious financial activity in a savings account maintained at a local branch of the State Bank of India. Following the alert, cyber police and district police launched a joint investigation and began scrutinising transaction records, banking patterns and linked digital activity associated with the account.
During the preliminary investigation, authorities reportedly discovered a series of suspicious transactions involving multiple beneficiaries and repeated fund transfers across different states. Officials said the financial trail suggested that the account was being used systematically to channel money collected from cyber fraud victims across the country.
Investigators further revealed that as many as 205 complaints linked to the same bank account were found registered on the National Cyber Crime Reporting Portal (NCRP). These complaints were reportedly filed from various states, indicating that the network may have targeted victims on a nationwide scale through different forms of online scams.
Police sources stated that Sunil Kumar allegedly confessed during interrogation that he had shared his account details with cyber fraudsters in exchange for money. He reportedly told investigators that he received around ₹3.75 lakh for allowing the account to be used for illegal transactions. Officials suspect that the accused had been associated with cyber fraud operators for a considerable period and may have knowingly facilitated repeated financial transfers connected to online cheating cases.
Cyber investigators believe the case highlights the growing use of “mule accounts” in digital financial crimes. Such accounts are commonly used by cyber criminals to quickly transfer fraud proceeds through multiple layers of banking channels in order to hide the identity of the masterminds and make the money trail difficult to trace.
Renowned cyber crime expert and former IPS officer Prof. Triveni Singh has repeatedly warned that cyber criminals are increasingly exploiting social engineering tactics and weaknesses in digital banking awareness to recruit ordinary account holders into illegal operations.
According to him, “Many people are lured by quick money offers and end up sharing their bank accounts, SIM cards or digital credentials, which later become tools for organised cyber fraud.”
During questioning, the accused also allegedly disclosed the names of three other individuals suspected to be part of the racket. Police teams are currently conducting raids to trace and apprehend the remaining suspects. Investigators believe the arrested accused may only be one link in a much larger organised network involved in financial cybercrime operations.
Officials said digital devices, transaction histories and communication records linked to the accused are now being examined in detail. Investigators are also analysing banking data, mobile connections and internet activity to identify other possible beneficiaries and handlers connected to the network.
A case has been registered at the Begusarai cyber police station, and further investigation is underway. Authorities indicated that additional arrests may follow as the financial and digital trail expands.
Cyber police have meanwhile urged citizens not to share bank accounts, debit cards, OTPs or internet banking credentials with anyone, even in exchange for money. Officials warned that allowing personal accounts to be used for suspicious transactions can attract serious criminal liability under cybercrime and financial fraud laws.
The investigation remains ongoing, and agencies are now focusing on uncovering the complete structure of the suspected interstate cyber fraud network.
