The reports lay out the mule network. Five collection accounts took money from more than a thousand people, then passed it hop by hop through mule accounts and out.

Mule accounts: 5 collection accounts, with credits from 1,000+ senders
Red flags: In and out the same day · pooled from many accounts into one · almost nothing left behind · ATM cash drawn just under ₹50,000, again and again
Exit channels: ATM cash ₹2.28 crore · crypto · UPI ₹70.85 lakh
Statements to call for next: 15 outside accounts, ranked

How the case unfolded

1
The case
It began with a message: rate hotels online, earn a commission. The first payouts were real. Then the tasks needed deposits. In three weeks, his savings were gone. He called 1930.
2
Where it stuck
The 1930 call put holds on the first accounts. Behind them: thirty-seven accounts and nearly eleven thousand transactions, in many bank formats, on one officer’s desk.
3
The case cracks
Fifteen more accounts are ranked for statements next. The complaints become one network case, and the ₹15.46 lakh still in the accounts is sought for attachment.
4
Charge sheet
The report goes into the charge sheet, payment by payment.
BNS 318(4)31961(2)111IT Act 66D
5
In court
Every figure on the report points back to a line in a bank-certified statement.

Cyber Crime

The digital arrest

A retired bank officer is held on a video call by a fake officer and moves his savings. The statements behind the first account show fourteen mules, the exits, and nine more victims.

18 accountsIllustrative case. Simulated data.

What the reports found

The reports show the split. The receiving account belonged to a trading firm opened weeks earlier. Within an hour, the money was spread across fourteen mule accounts, then out. The same account had taken money from nine other people that fortnight.

Mule accounts: 14, each credit split within the hour
Exit channels: Crypto · ATM cash in another state · gold
Suspect network: 9 more victims found behind the same account

How the case unfolded

1
The case
The caller wore a uniform. A parcel in his name, he said, held drugs. For two days, the retired bank officer was kept on camera and told to move his savings for “verification”.
2
Where it stuck
His son called 1930. A hold went on the first account. But the money had already moved on.
3
The case cracks
Nine more victims are found and their complaints joined. The mule account holders are traced, and the balances sought for attachment.
4
Charge sheet
The report goes into the charge sheet, from his first transfer to the last withdrawal.
BNS 318(4)319(2)204308(2)61(2)111IT Act 66C66D
5
In court
Every figure on the report points back to a line in a bank-certified statement.

Economic Offences Wing

The passbook queue

A deposit scheme collapses. From the IO’s desk, 47 statements show the rotation, the promoter’s share, and what is left to attach.

47 accounts16,697 transactionsIllustrative case. Simulated data.

What the reports found

The reports show the rotation. ₹34 crore went back to depositors as “monthly income”, paid from fresh deposits. One company account was fed by twenty-four others, and ₹11 crore went to the promoter.

Circular movement: ₹34 crore paid back as “returns”, in 1,290 payments
Suspect network: 1 account fed by 24 · ₹11 crore to the promoter in 27 transfers
Exit channels: Property ₹10.50 crore · jewellery ₹3.20 crore · sent abroad ₹4.50 crore

How the case unfolded

1
The case
A retired schoolteacher trusted the plan because his former student sold it. For months, the monthly income came on time. Then the office shut, and the queue began.
2
Where it stuck
At the EOW: forty-seven bank statements, nearly seventeen thousand transactions, and money going round the company’s own accounts.
3
The case cracks
The promoter and his agents are linked. The ₹8.09 crore still in the accounts, the property and the jewellery are sought for attachment; a request goes abroad for the rest.
4
Charge sheet
The report goes into the charge sheet, under the depositors’ law as well as the BNS.
BNS 318(4)31661(2)BUDS Act 2019State depositors’ Act
5
In court
Every figure on the report points back to a line in a bank-certified statement.

Crime Branch–CID · bank-fraud cells

Turnover on paper

A steel company’s strong sales turn out to be its own money, sent out to fake suppliers, rotated through shell companies and brought back as sales, so the banks would lend more.

22 accounts5,827 transactionsIllustrative case. Simulated data.

What the reports found

The reports show the circle. The company paid four suppliers for purchases. The money went round five shell companies and came back as sales: ₹494 crore in 142 payments. Turnover on paper, to borrow more.

Layering: 4 suppliers → 5 shell companies
Circular movement: ₹494 crore back as “sales”, in 142 payments
Diversion: Of a ₹150 crore term loan, only ₹39 crore reached the machinery supplier
Suspect network: Promoter · 4 suppliers · 5 shells · group realty firm ₹81 crore · holding company ₹30 crore

How the case unfolded

1
The case
The bank lent against a steel company’s sales, and the sales looked strong. Eighteen months later, the loans had gone bad, and the bank filed a complaint with the CID.
2
Where it stuck
Twenty-two accounts. Nearly six thousand transactions, most of them purchases and sales between steel traders.
3
The case cracks
The promoter, the suppliers and the shells are linked. The loss is shown to be planned, and the money taken out is traced for attachment.
4
Charge sheet
The report goes into the charge sheet: the sales that never happened, payment by payment.
BNS 318(4)31633634061(2)
5
In court
Every figure on the report points back to a line in a bank-certified statement.

Anti-Narcotics Task Force

One UPI payment

A single UPI payment on a buyer’s phone leads up the tiers to a cashier, two fronts, and the flat, vehicles and gold the trade paid for.

12 accounts2,929 transactionsIllustrative case. Simulated data.

What the reports found

The reports show the tiers. Three peddler accounts took UPI payments from more than a thousand buyers. Cash deposits and transfers carried it up to a cashier and two front businesses, then into property.

Layering: 3 peddler accounts, 1,000+ buyers
Suspect network: A cashier and two fronts: a realty “consultancy” and a motors firm
Exit channels: Flat ₹62 lakh · vehicles ₹42 lakh · gold ₹31 lakh · cash ₹49.73 lakh

How the case unfolded

1
The case
The consignment was seized and the peddlers were in custody. But one buyer’s phone held a single UPI payment, and the money behind it was still out there.
2
Where it stuck
Twelve accounts. Nearly three thousand transactions, most of them small.
3
The case cracks
The cashier and the front owners are arrested. The flat, the vehicles and the gold are tied to drug money, and listed for freezing and forfeiture under NDPS Chapter VA.
4
Charge sheet
The report goes into the charge sheet, linking every asset to the trade.
NDPS 8(c)21/2227A29Ch. VA
5
In court
Every figure on the report points back to a line in a bank-certified statement.

District police stations

The stock that never came

Twenty-three shopkeepers pay a fake distributor in advance for cheap phones. Nine statements show the money leaving the same day for his family, a plot and a car.

9 accountsIllustrative case. Simulated data.

What the reports found

The reports show where it went. ₹68 lakh from twenty-three shopkeepers, passed on the same day to the accused and five relatives. Then into a plot booking, a car, cash and online gaming.

Red flags: Same-day pass-through, to the accused and five relatives
Exit channels: Plot ₹21 lakh · car ₹14.5 lakh · cash ₹17.2 lakh · online gaming ₹8.6 lakh
Statements to call for next: The relatives’ other accounts

How the case unfolded

1
The case
He paid three lakh rupees in advance for phones at a discount. The distributor delivered twice, to win his trust. Then the shop shut. Twenty-two other shopkeepers had paid him too.
2
Where it stuck
At the police station, a small team with a full diary. And money that left within minutes.
3
The case cracks
The accused is arrested, and all twenty-three complaints are joined. The plot booking and the car are sought for attachment.
4
Charge sheet
The report goes into the charge sheet, each shopkeeper’s payment followed to where it was spent.
BNS 318(4)316(2)61(2)
5
In court
Every figure on the report points back to a line in a bank-certified statement.

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