Mumbai: A retired bank manager from Bhandup in Mumbai has fallen victim to a prolonged and highly manipulative cyber fraud, losing Rs 40.9 lakh after being subjected to a so-called “digital arrest” that lasted nearly two months. The incident highlights a growing trend of sophisticated scams where fraudsters impersonate law enforcement agencies to exploit fear and extract large sums of money.
According to police officials, the victim, identified as Rajendra, a former employee of the Maharashtra State Co-operative Bank, was targeted in March when he received a video call via the Signal app. The caller allegedly posed as an officer from the Delhi Anti-Terrorism Squad, claiming that Rajendra’s identity had been linked to serious criminal activities, including a terror case and suspected money laundering.
To make their claims appear credible, the scammers reportedly presented fabricated documents, including what they described as an official court order, and insisted that a bank account had been opened in his name in Karnataka to route illegal transactions worth crores. Under the pretext of an ongoing investigation, they warned him of immediate arrest and severe legal consequences if he failed to cooperate.
Investigators say the accused used sustained psychological pressure to control the victim. Rajendra was allegedly instructed to remain isolated at home, avoid contacting family or friends, and stay on continuous video monitoring. Over time, the fraudsters coerced him into transferring funds in multiple phases.
Initially, he transferred a smaller amount, but as the pressure intensified, he liquidated investments, including shares worth around Rs 29 lakh, most of which was routed to accounts provided by the scammers. The situation escalated further when the fraudsters demanded an additional Rs 10 lakh as a “security deposit” for bail, assuring that the money would be returned once the case was closed. This amount was arranged through a loan taken by his wife.
After receiving the full sum, the fraudsters cut off all communication, leaving the victim stranded and prompting him to realise the deception. He subsequently reported the incident through the national cybercrime helpline and filed a formal complaint with the Mumbai Cyber Cell.
Police have initiated an investigation to trace the perpetrators, examining digital footprints and bank transactions linked to the case. Officials have reiterated that legitimate law enforcement agencies do not conduct investigations via video calls or demand money for bail or case settlements, urging citizens to remain cautious and verify such claims before taking any action.
The case serves as a stark reminder of the evolving nature of cybercrime in India, where criminals are increasingly using impersonation tactics and psychological manipulation to target even financially aware individuals.
