Imagine logging into your Yes Bank account one day and seeing a message that makes your heart skip a beat: “Amount held by cyber crime.”
Your money is sitting there, staring back at you, but you cannot touch it. And it just happened after you filed a cybercrime complaint.
You might be thinking: “Wait, I’m the victim here… why can’t I access my own money?”
It’s a confusing mix of relief and frustration.
Relief because the authorities have frozen the funds, meaning the scammer can’t run away with your money. Frustration because now, your hard-earned money is stuck, and you have no idea how or when you’ll get it back.
If this sounds familiar, you’re not alone. Millions of people face this situation every year, and most of them don’t know the right steps to recover their frozen funds.
In this blog, we’ll break down exactly what “Amount hold by cyber crime” means in Yes Bank, why it happens, and the step-by-step process to get your money back safely and legally.
What is Amount on Hold Yes Bank?
Seeing your money frozen in Yes Bank can be scary, but understanding why it happens can take away a lot of stress.
When an amount shows as “held by cyber crime,” it usually means the police or cybercrime authorities have instructed the bank to freeze it.
This happens when your account is linked to a reported fraud or suspicious transaction.
The bank itself doesn’t make this decision; it’s following legal instructions to protect your money and prevent the scammer from withdrawing it.
A hold is not a punishment or a sign that you lost your money. It’s a protective step to ensure that the funds stay safe while authorities investigate and verify the situation.
Steps to Release a Hold on Your Yes Bank Account
Seeing “Amount held by cyber crime” in your Yes Bank account can be shocking, but remember, your money is not lost, and it can be released.
You don’t need to panic.
There is a clear, step-by-step process to get your money back. It involves understanding why the hold was placed, submitting the necessary proof to the cybercrime authorities, and following legal steps if required.
In most cases, once the investigation is complete or the court gives clearance, Yes Bank can release the funds safely back into your account.
In the following steps, we’ll explain exactly what you need to do, from checking the hold details to working with the cybercrime cell and the court, so you know how to reclaim your money without unnecessary stress or risk.
Step 1: Get Complete Details of the Hold
Before taking any action, it’s important to know exactly what’s happening.
Visit your Yes Bank branch or contact their support and ask for:
- The account number and the branch where the hold is applied
- The exact amount that’s frozen
- Written confirmation from the bank that the funds are on hold
- Contact details of the Investigating Officer (IO) handling your cybercrime complaint
Having this information ensures you know who to communicate with and prevents confusion later.
Step 2: Submit a Written Claim to the Cybercrime Authorities
After filing your FIR, prepare a formal written application to the cybercrime cell stating:
- That you are a victim of cyber fraud
- The frozen amount belongs to you
- Details of how and when the money was transferred
- A polite request for help in recovering your funds
Attach all supporting documents, such as Bank statements showing the transaction, Chats, emails, or screenshots of the scam app or website, FIR copy, and acknowledgment
Always keep copies of everything you submit; it will help in follow-ups or court proceedings if needed.
Step 3: Wait for Investigation
Once your claim is submitted, the authorities will:
- Verify that the frozen money is related to fraud
- Confirm that you are a genuine victim
- Check if other victims or claimants exist for the same funds
This verification usually takes 2 weeks to 2 months, depending on the case. If there is a delay, you can follow up with the IO or file an RTI to check the status.
Step 4: Understand the Bank Hold (Lien)
When Yes Bank freezes your account, it applies a lien:
- No withdrawals or transfers are allowed
- Funds can only be released with police clearance or a court order
This step protects your money, but it also means the bank cannot release it on its own.
Step 5: File an Application in Magistrate Court (if necessary)
If the police clearance doesn’t release the hold, you may need to approach the court. You or your lawyer can:
- File an application requesting the release of your frozen funds
- Submit all supporting documents: ID proof, bank statements, proof of fraud, FIR copy, and correspondence with the police
- Explain any financial hardship caused by the hold
The court will examine your case and decide whether the money should be released.
Step 6: Attend Court Hearings
- Attend the hearing on the scheduled date, or have your lawyer represent you
- The judge may ask questions, seek clarifications from the police, or check for other victims
- The court may either approve the release of funds or request further investigation
In many cases, such as single-victim cases or small amounts, you may not need to appear personally; your lawyer can represent you.
Step 7: Submit Court Order or Police Clearance to Yes Bank
Once you have a court order or police NOC:
- Take a certified copy to your Yes Bank branch
- Submit it and request the release of your funds
- Yes Bank is legally obliged to follow the order, and typically, the money is credited to your account within a few working days
If the release is delayed, follow up actively with the branch.
It is important to know that the hold is temporary and protective, not a sign that you lost your money.
Yes Bank cannot release funds independently; legal or police clearance is required. And patience is key; the process may take weeks or months, depending on investigations.
Keep all your documents, proofs, and correspondence safe; they make recovery faster and easier.
Conclusion
Seeing “Amount on Hold” after a scam can be stressful, but it’s usually a protective step, not a punishment.
The hold is lifted only after the cybercrime cell completes verification and informs the bank. Meanwhile, stay patient, follow the right steps, and avoid shortcuts.
If you’re unsure about your account hold, visit your branch or contact customer care with your FIR details.
Staying informed is your best protection.
