Churu: The Churu Cyber Police have busted an alleged gang that lured villagers with promises of government subsidies, opened bank accounts in their names and allegedly sold the accounts to cyber fraudsters. Three people have been arrested in the case. According to the police investigation, the accounts were being used to transfer money obtained through online fraud across multiple accounts as part of the layering process.
The arrested accused have been identified as Jitendra Jain of Sujangarh, Ankit Jat of Udansar Fatehpur and Kartik Jat of Mandela. According to the police, the three allegedly approached people in rural areas with promises of helping them obtain benefits under government schemes. Bank accounts were then opened in the villagers’ names and allegedly handed over to cyber criminals.
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The investigation began following a report filed by Megharam Luhar. During the probe, police found that the accused allegedly introduced themselves to villagers as representatives of Airtel Payments Bank and as persons associated with an NGO. Using this identity, they allegedly promised villagers subsidies under schemes related to goat farming, dairy production and solar energy.
The accused allegedly collected photographs and other required information from villagers on the pretext of helping them receive government assistance. Bank accounts were then opened through an online KYC process with Airtel Payments Bank. After the accounts were opened, the account holders allegedly were not provided with passbooks, ATM cards and other banking documents. Police allege that the accused retained these documents and subsequently passed the accounts on to cyber criminals.
According to the police investigation, the bank accounts were being used to transfer money obtained through cyber fraud from one account to another. Moving fraud proceeds through multiple accounts is commonly used as a layering method to make it more difficult to trace the money back to its original source.
Police officials said the alleged gang targeted villagers who had limited awareness of banking and cyber fraud risks. Lured by the possibility of receiving subsidies under government schemes, the villagers allegedly shared personal information and completed banking formalities through the accused. Police suspect that after the accounts were opened, control over the banking credentials and documents remained with the accused rather than the actual account holders.
The cyber police team, acting under the supervision of Deputy Superintendent of Police Vijay Kumar Meena, arrested all three accused. They are being questioned to determine how many bank accounts were opened using the same method and how many of them were subsequently used for transactions involving money obtained through cyber fraud.
During preliminary questioning, the accused allegedly disclosed that they had used a similar method to open accounts for several people in Fatehpur, Chhapar, Sujangarh and surrounding rural areas. Police are verifying these claims and investigating the wider network. Investigators are also attempting to identify other people allegedly involved in the operation and the cyber criminals to whom the bank accounts were reportedly sold.
A key part of the investigation is identifying the bank accounts into which proceeds from cyber fraud were transferred. Police are examining transaction records, KYC details and the accused persons’ communication and contact networks. The three accused have been taken on remand for further questioning. Investigators are now working to establish the full extent of the alleged network and identify additional persons who may have been involved.
About the author — Suvedita Nath is a science student with a growing interest in cybercrime and digital safety. She writes on online activity, cyber threats, and technology-driven risks. Her work focuses on clarity, accuracy, and public awareness.
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