Worked example · made-up facts

What Unhold produces — before you start a real case.

Sample walkthrough only. Not your case. Shows facts → next step → a letter draft you would review. Does not decide who can release funds.

Sample: Asha Rao · ₹1,800 held · total freeze after an unexpected UPI credit · NCRP on file. Nothing is sent.

So the demo is not misleading

The letter is a filled template with sample facts — not a lawyer document.
A real draft uses your answers. Court and tax freezes ask different things than cyber freezes.
You send every letter yourself. Unhold never emails the bank or police.

From input to output

1
INPUT
Asha’s facts: freeze type, amount, date, NCRP reference.
2
DECISION
Ask in writing for scope, ordering authority, and the official next step — do not assume the branch can release the money.
3
OUTPUT
L1 draft, paper checklist, dated official contact sources for her to verify.

Suggested route from the recorded reason

First confirm who ordered the restriction and exactly what your bank has blocked. Unhold cannot determine who may release it until those written details are known.

Safest next step

Get the restriction details and ordering-authority reference in writing.

1
Ask your bank for the restriction details
Request the amount held, type of restriction, ordering authority, police station or cyber cell, and complaint/FIR/NCRP reference. Keep the written reply and acknowledgement.
You → your bank branch or published grievance channel
2
Use the identified official route
If the bank names a police or cyber authority, send that authority a factual representation with only the documents it requests. Ask for a written decision or the next official step. Unhold does not submit this for you.
You → the authority named by the bank
3
Give any written direction to your bank
If the authority issues a release, modification, or no-objection direction, give a copy to the bank through its published grievance channel and keep proof of delivery.
You → your bank
4
Escalate service failures carefully
For a bank-service problem, follow the bank’s published grievance process. RBI CMS may review eligible service complaints after the bank’s process; it does not replace a police or court decision. For urgent or disputed legal action, seek independent legal aid.
You → bank grievance channel / RBI CMS if eligible / independent legal aid

This is practical information, not legal advice or an outcome guarantee. Verify the authority and current official route before sending anything.

Sample draft (review before send)

Summary first. Open the full draft for every line. On a real case you fill blanks before sending.

DRAFT ONLY — REVIEW BEFORE USE

Check the names, dates and amounts before you send it.

Based on: total freeze · ₹1,800 · unexpected UPI credit · NCRP provided

What this draft asks for

Confirm the amount, type and scope of the restriction in writing.
Identify the ordering authority and FIR/NCRP reference, if any.
Register the grievance and give an acknowledgement plus the official next step.

Subject: Request for written restriction details and review — A/c No. XXXXXX4417

Open the full draft to check every line before approval.

Reviewed by you

Get the exact hold details in writing

Your case shows your whole account is blocked (a total freeze). Unhold cannot tell you whether this restriction is lawful in your specific case. Get the facts and the official route in writing before you escalate.

Ask your branch for this in writing:

Please confirm whether the amount currently held is approximately ₹1,800, the authority that ordered the restriction, the NCRP/FIR or other reference number, and the documents or review needed for my case. Please provide a grievance reference and acknowledgement of this request.

read the official-process guide →

Official links (dated)

Each contact points at its published source. Outcomes still depend on the real order and facts:

✓ Verified 2026-07-02SBI official page ↗

Ask your bank to confirm in writing the amount under hold, the authority that ordered it, and the reference number. Unhold cannot determine whether a restriction is lawful in your individual case.

Needs legal confirmationI4C/MHA public notice on who decides a bank restriction, reviewed 14-Jul-2026 ↗

I4C states that it manages NCRP infrastructure and does not itself lien-mark or freeze accounts. The decision may come from the relevant investigating officer or from the bank under applicable rules, so the written record must be checked before choosing a route.

Your case will not match Asha’s.

Path and letter follow what you enter. After you start, save the recovery code — that is how you reopen on another phone.

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