The Baguiati Police have launched an intensive investigation after a local man was scammed into giving full digital control of his personal banking to an interstate cybercrime ring. Believing he was applying for a standard private business loan to relieve financial difficulties, the victim was instead converted into an unwitting “money mule”. The network used his credentials to layer and route illicit funds totaling ₹34.5 lakh through his profile before law enforcement cells intercepted the transaction line.
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The Consultancy Bait and Physical Verification Trap
The fraud began when the complainant, facing escalating financial stress, reached out to an online private consultancy firm to secure a commercial loan of ₹30 lakh. The representatives of the deceptive firm assured the victim of fast-tracked processing and an effortless approval cycle, guiding him to sign a formal loan agreement. During this initial onboarding, the fraudsters gathered essential physical documents belonging to both the victim and his wife, including PAN and Aadhaar records, along with an upfront processing deposit consisting of a blank signed cheque worth ₹30 lakh and ₹50,000 in physical cash.
The fraud escalated sharply during a follow-up “physical verification” visit conducted at the complainant’s home by the firm’s agents. Under the pretext of verifying system credentials and linking documents for final credit clearance, the operators successfully gained complete access to the victim’s primary internet banking profile and linked personal email account.
Sudden Credits, Account Freezes, and Organised Crime Booking
Immediately after capturing the digital access channels, the cyber syndicate deployed the victim’s account as an active router to launder proceeds from separate online attacks. Two consecutive massive transactions—one amounting to ₹11 lakh and another totaling ₹23.5 lakh—were credited directly into the victim’s account from unknown external origins.
The deception collapsed when the shocked account holder attempted to access and withdraw the newly arrived funds. Commercial bank officials instantly blocked the transaction request and informed him that the entire account had been frozen under strict, emergency statutory instructions issued by out-of-state cyber police cells. Investigators tracking parallel cybercrimes across the region had flagged the incoming capital as direct proceeds harvested from active cyber fraud campaigns, linking the victim’s bank account to a pan-India money mule grid.
Forensic Tracking and Multi-Level BNS Prosecution
The Baguiati police station has officially registered a comprehensive criminal case under multiple sections of the Bharatiya Nyaya Sanhita (BNS), explicitly invoking severe charges governing cheating, dishonest inducement, and organized crime. Special cyber cell units are performing forensic technical analysis on the internet banking access logs to identify the exact IP addresses and location coordinates used by the consultancy representatives during the home infiltration.
Police cells have issued an urgent warning to citizens seeking emergency personal or business credit lines, advising them to completely avoid unverified private loan agencies that demand access to primary email accounts or online banking login credentials. Banking consumers are reminded that authentic financial lenders never require retail users to share account passwords or yield system control to pass background verification checks. Any individual who suspects their identity or bank accounts are being misused by fraudulent intermediaries must immediately notify the national cybercrime portal or call the emergency response helpline at 1930 to prevent immediate criminal liability.
