Layer 3 Bank account freeze and amount put on hold

Dear client,

Your account has been frozen under “Layer 3” because your transactions (even if you did nothing wrong) are linked to a cyber‑fraud chain; the bank is simply following directions from the Pune and Gujarat cyber cells. A “Layer 3” freeze usually means you are not the primary scammer, but money from a scam has passed through accounts like yours, so the authorities “hold” specific amounts to preserve the trail.

What “Layer 3” and “on hold” means here
The ₹1 lakh being kept on hold is treated as “proceeds of crime” or suspected fraud monies that the cyber cell wants preserved until the investigation clarifies its origin.

Layer 3 typically means you are a later‑stage recipient (not the main fraudster); your role is usually just that of an innocent or careless user whose account got used in the money‑flow chain.

The bank cannot release that amount on its own; it must follow the cyber‑cell order and can only lift the hold once the cyber cell issues a No Objection Certificate (NOC) or clearance.
Contact an advocate immediately to negotiate on your behalf.