Dehli Cybercrime Department, who's on the line?

(Customer telling) (ZN-209)

Hold on, you know where is this? (Customer telling)

So what is your problem? (Customer telling)

Wait. You received call from Telecom Department? (Customer telling)

Yes, tell me what happened. (Customer telling)

OK Mr *. Give me fir number I will check. (After 15 second)

So your name is *. Your phone number is (real number )*. Is this you? (Customer telling)

OK Mr*****. Do you know that you have been reported and complained by public? We have receiv
ed complaints and reports about you sending a lot of illegal advertisements and harassing text me
ssages to the public. A total of 24 complainants came to our Delhi police station to make complaint
s and file a report against you.

There is a mobile number, +916776413665. Is that using by you? (Customer telling)

No?

But Here showing you applied this mobile number in Airtel Store in Delhi. The store address is, Sh
op No 10, Near SBI Bank Naraina Vihar shinde colony, New Delhi - 110002 India.
Why you use this mobile number and sent a lot of illegal advertising and harassing text messages
to the public?
(Customer telling)

Guide to Personal Information Leaked and Make A Report

So you mean, maybe because your personal information was leaked, causing someone to misuse
your personal information and registered a mobile number to send this Illegal advertising and hara
ssing text?

If things really happened like you said.

OK. So you have any idea why this can happen? (Customer telling)

Because now our country has implemented a real-name system. Even if you want to apply for a m
obile number, you must bring your Aadhaar card to the mobile company to apply in person. You sh
ould know about this, is it?

OK. Mr *. So before you provided your personal information to any third party or uploaded it on soc
ial media?
(Customer telling)
1
OK. Listen, I can tell you that investigating this case is not going to be easy. Because if you sure th
at this mobile number is not registered and using by you, maybe some criminals already have your
personal information and they are taking the opportunity to misuse it for profit.

Listen Mr*****. Now, we need you to come to Delhi Police Station, explain to us and make a police
report. So can you now bring your Aadhar Card and any other personal documents and come to o
ur delhi Police Station for investigation? (Customer not able to come)
No? So where are you? (Customer telling where they come from)

Okay, Mr *. So you are not able to come here?

Because we have some documents that we need to show you.
This is the information reports from the public who came to the police station and they want to acc
use you. Then how can I send it to you? (Customer explaining)

Because our Police Department has signed an anti-cybercrime cooperation agreement with whata
pp. So now you should download whatapp and provide me with your whatapp ID. Do you understa
nd? (Customer explaining)
Means, our conversation will be fully recorded, which can be used as evidence that the mobile nu
mber is not registered and using by you, and you are not the one who sending this illegal advertisi
ng and harassing text to these public. Do you understand? (Customer explaining)

But today, because you cannot come to our Delhi Police Station to report the case in person. So w
e will make an online police report through Skype video call, to ensure that you are making this rep
ort by yourself and to let you verify the information reports by the public who came to the police sta
tion who want to accuse you.
Do you understand?

So once you check your whatapp , I will be calling you. And later in the video call session, I will sh
ow you where I am, and the environment of our police station. Any questions? (Customer explainin
g)

OK. So because this is an emergency hotline. It's impossible for me to be on the line for too long b
ecause it will cause troubles for those who want to make an emergencies report. So I will hang up
this call and I will be calling you through whatapp to start the online report now.
While waiting for my call, if another call comes to your mobile, don't answer it for temporarily. And
don't keep your phone busy, make sure I can stay in touch with you. Everything clear? (Customer
explaining)

(Once the customer picks up Skype, first turn on the camera and show the customer our police sta
tion, gun and ID. Then ask the customer)
Do you know where I am now?

2
 Procedure Before Transcript

Listen Mr***** make sure you pay attention to all my questions and explanations before we start re
cording. If there is anything you don't understand you should ask me immediately so we don't wast
e time as I am now the officer who in charge of your case. Understand?

Our recording process will using one-on-one method. Which means there's no third party voices wi
ll be allowed during the recording. As you know, when the recording is complete, it will be sent to
my superior for submission to the Court as evidence. If there is any third-party voice, I will suspect,
that you are trying to make a false report, or there is a third-party leading you to give a false expla
nation to the police. And under the Section 209 of the IPC, the punishment will be 2 years jail or a f
ine, or both. Do you understand? So are you sure there is no other third party with you right now?
(Quarantine customer properly)

Now turn on Do Not Disturb Mode on your mobile phone.To avoid the recording session suddenly
bery now,eing disconnected due to low battery, please check your battery how much percentage i
s left? I need to record.
And turn off all electronic devices around you during the recording process, like TV, laptop, compu
ter or second mobile phone that may cause your voice to not be recorded properly.

During the recording process, if the call is suddenly disconnected. Remember, do not do anything,
but just hold the phone and don't move around. I'll automatically call you back using police statio
n's landline number, understand?

OK. So I will start now.

Transcript must have customer agree, that their personal information has been leaked. And
link it to their (family, friends, work and life)

The recording is officially going on today. Date DD / MM /2025

I'm Vijay Kumar, from dehli Police Station. Here I'm assisting a person to make a official police rep
ort. The complainant currently suspects that his personal information was leaked, causing someon
e registered a mobile number using his name illegally and sent a lot of illegal advertising and hara
ssing text messages. So Mr*****, Please read your full name and Aadhar Card number. (Customer
also need to send you a photo for self verification)

And explain to me clearly what happened to you today. (Customer again explains the situation)
OK. Now I will ask you some questions based on the content of the investigation document. So jus
t now you told me that you suspect your personal information has been leaked and misused for ille
gal activities. So have you lost your Aadhar Card or any personal documents before?
(If the customer says Yes, ask) Where you lost it? Did you make a police report?
(If the customer says No he did not make a police report, then this is your chance to blame)

Why didn't you report it to the police? Don't you know you need to report it? Look, if someone else
finds your lost Aadhar Card and misuses it, and you don't have a cover report in hand, the crime c
ontinues, who do you think the police will be searching for?
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(Customer explaining)
OK. Now I have some serious questions to ask you.
I want to know, do you provided your personal information like Aadhar Card, pan card or passport
to your relatives, friends or agencies for applying for loan, credit card application, insurance purch
ase or membership card application
or any other stores?
(If customer says "Yes") So to whom you provided? When? For what purpose? Do you cross dou
ble lines or make any special tagline on the photocopy of your Aadhaar card?

If customer says "I forgot"or " Not", so you have to blame the customer) No?
Why are you so careless?
How many times Indian Police Department and Government tell citizens on social media and TV h
ow to protect their personal information by drawing double cross or make any special tagline on ph
otocopies of their Aadhar Cards?

If you don't, you can imagine if you go to a shop and they have a copy of your Aadhaar Card on ha
nd. After you leave the shop, those with criminal intent take your Aadhar Card copy and make 100
copies with a photo printer, then sell it to every illegal company all over India, what will happens?
(Customer explaining)

Maybe they can rent a car that registered under your name and send drugs or doing some other ill
egal activities? i can tell you Mr *, if something like this happens, the police will only come after yo
u, and you are the one who needs to take full responsibility. Because of your mistakes and careles
s, you are giving criminals the opportunity to steal your personal Aadhar Card and misuse it for ille
gal activities.And Mr *. Have you ever provided your personal Aadhar Card or information through
any social media such as Whatsapp, Facebook or Instagram other than photocopies? Or upload to
any agency such as a job application or by applying for jobs with other companies online.
(If customer says "Yes") Have you edited and watermarked the image you provided?

Example, for job applications, you should add a watermark and state "For job application use only.
(If customer says they didn't do this, blame them again)

So Mr *, there are so many possibilities for your personal information to be misused. So now I will
ask you some questions about your privacy and the people around you so that we can investigate
this case for you more easily,understand?
Now, Mr *.What is your current job? (Customer explaining)
What are your working hours? (Customer explaining)
Have you ever given your Aadhaar card or personal information to your boss or any friend at work?
(Customer explaining)
Have you ever had an argument with a co-worker before, or do you think anyone in your workplac
e is envious and jealous of your work performance? (Customer explaining)

I'm asking this because I suspect that maybe someone in your company might be targeting you sin
ce you spend almost most of your time in the workplace. (Customer explaining)

What is your position in this company? Do you suspect someone is doing this behind your back?
(Customer explaining)

4
Today, you reported a case of someone misused your personal information, registered a mobile n
umber using your name without your authorization and sent a lot of illegal advertising and harassin
g text messages. Is it? OK. Mr * So how is your income, is it stable? How long have you been wor
king for this company? What is your estimated monthly salary? So is that your salary enough to co
ver your monthly expenses? OK. I will note it down in your report.

 How many people are in the house? (Customer explaining) (Note down who lives with custom
er, job, working hours)
 Is there any other people visited your home before? like friends or cousins? (Customer explain
ing)
 Has anyone living with you asked or borrowed your Aadhar Card or any personal documents b
efore?
OK, now that the report is almost complete, do you have anything to add? (Customer explaining)
Because the more information you provide, the more easier for the police to investigate the case.
Like you doubt-anyone? Or have you been to a department before, which makes you suspect that
the process doesn't require any information from you, but they force you to provide your personal i
nformation? (Customer explaining)

Have you ever made a police report before? Like a robbery, an accident or people's fighting?
So do you have any criminal record in our country? (Customer explaining)

OK. Now because your personal information has been leaked, in order to prevent this from happe
ning again. I will ask the Cyber Information Security to cooperate with checking your Aadhar Card
records. Please pay attention and listen properly, if i misread your Aadhar Card number, just let m
e know, do you understand? (Customer explaining)

CIS (Cyber and Information Security)

CIS CIS, I am calling from IPS Delhi, please respond. Over

IPS Delhi, IPS Delhi. This is the response from CIS. Please talk. Over
CIS. Please check the person with Aadhaar Card number (*****). I repeat, CIS please check the p
erson with Aadhar Card number (*****), today he came to make a police report about his personal i
nformation has been misued, causing someone registered a mobile number using his name illegall
y and sent a lot of illegal advertising and harassing text messages, check if there is any other case
against this person.
IPS Delhi needs to check if the person's with Aadhaar card number (*****) is correct. Over
Yes, it is all correct. Over.
IPS Delhi, please just a moment, we will check it for you immediately Sir. Over.
OK Mr *, the report is almost done. I will make 3 copies of the report. I will send the first copy of th
e report to Telecom Department for your clarification. And I'll leave the second report at the station
for the record. So the third copy of the record, i will send to your home address. So provide me yo
ur latest home address so it will be easier for us to process.
IPS Delhi! IPS Delhi! This is a call from CIS, please respond. Over (Suddenly)
CIS, I am IPS Delhi 287 here. Please respond. Over
The person with Aadhar Card number (*****), (Customer's Name) searched in records believes tha
t there is a Canara Bank, registered under the owner, (Customer's name), opened in Delhi, involve

5
d in money laundering and investment fraud. Investigating officers will be execute the arrest warra
nts and freezing orders against suspects. Over
Mr*****, you opened a Canara Bank account in Delhi before? No?
Are you sure? (Customer explaining) OK. I will reply again to the Cyber Information Security. Hold
on. (After 5 second)
CIS, do you confirmed that there is a Canara Bank account registered under the owner, (Customer
name) involved in a money laundering and investment fraud case and the Investigating officer will
be execute the both warrants against
him? Over
Yes, correct, the Investigating officer will freeze the accounts belonging to the suspect (Customer
names) and execute the arrest warrants for being involved in money laundering cases, I repeat, th
e Investigating officer will freeze the accounts belonging to the suspect and execute the arrest war
rants to the suspect immediately. And, If you feel any suspicious about this suspect, please arrest
the suspect immediately. Over. I Repeat, If you feel any suspicious about
this suspect, please arrest the suspect immediately. Over
OK. CIS please send case file and complete information of suspect to Delhi IPS office 112. Sir Sa
ndeep Rao is speaking here. Over
Order has been accepted, Sir. Sending is in process now. Over
Wait a second, I am receiving your document. (Wait 15 seconds, make fax sound)

Mr*****. Why your situation is getting worse? Anything else you did not tell me? Are you hiding so
mething from me?
No? But why I got a reply from CIS saying your name is involved in Naresh Goyal money launderi
ng and investment
fraud case? (Customer explaining)
After Walki Taki

Look Mr *, now I will ask you some questions for the investigation purpose based on the document
s that I have received.Answer my every question honestly! Do you understand? (Customer explain
ing)
First, you know what is money laundering and investment fraud? (Customer explaining)
(Send 3 pictures to customer and let customer read it out and describe to customer)
First one, look closely, do you know this guy? (Customer explaining)
He is the main suspect Naresh Goyal. (Describe the paper)
You don't know? (Customer explaining) OK.
The second one as you see is the bank card we found. You can read the last 4 digits of the card n
umber. We found that it was registered under your name. So I asked you last time, did you open th
is bank account? (Describe the paper)
No? Now you say that's not you. But don't let me investigate and find out that you opened this acc
ount and provided it to criminals, later I will make you suffer, you understand?
OK. Mr *. Now i will tell you. Listen properly, first sit properly! The main suspect Naresh Goyal is J
et Airways Founder in India. He abused his position and power, colluded with Canara Bank manag
ers to doing this money laundering and fraud activities.
Their main targets are mostly the old people who need more money before pension and innocent
young people who want to earn more money for their future. Do you understand? (Customer expl
aining) (Customer explaining)

6
And they ask the victims to invest in the stock market with the promise of high dividends. They usu
ally let their victims make 10% profit within the first or second week. But when the victim invests m
ore and more amounts, the agencies and agents then just take all the money and disappear. This i
s how Naresh Goyal commits this crime activities.
Now you understand what is going on Mr *? (Customer explaining)

The black money will all be deposited into the banks of 247 suspects. The funds will then be transf
erred to another account overseas. And last, those money will be returned back to Indian accounts
as clean funds to avoid detection of illegal funds and activities by law enforcement.

OK. So here is the problem, according to statistics, about 24 victims came to the police station wit
h 40 bank transaction receipts, and they want to sue you in public court, because they and their fa
milies have transferred their hard earned money to the Canara Bank account, which is register un
der your name, and your name appeared on the transaction receipt.

Now answer me, what is your relationship with Naresh Goyal? (Customer explaining)
Don't know? If you don't know him, why when the Force Police and CBI raided his property, we fou
nd a Canara ATM card that registered under your name? An estimated Rs 2 crore was laundered f
rom this card. So this Rs 2 crore to you? Ah Mr *! Where did you hide the money? (Customer expl
aining)
If you tell me that you have nothing to do with this account, how can this account exist?
So now I ask you, what is the procedure for opening a bank account in our country? (Customer tell
ing)

Yes Mr *, we need a biometric scan. We need to go to the bank in person, to show our personal d
etails, only then the banker will allow to proceed. Do you agree!? Is it possible if i take your person
al information and go to the bank and open a bank account for you? (Customer explaining)

Now I'm just standing in the middle of this case and all Police officer are equal. Whether you have
do it or not, you know better yourself. If you are indeed a victim, you should cooperate with us and
let us investigate you. And Mr* this is also your last chance to prove your innocence in this case.
We don't blame any good citizens, but, we will not let any criminals go unpunished. You understan
d? (Customer explaining)

Now the problem is, we don't have evidence to prove that you are innocence. Do you agree? So I
can't make any decisions about this case without any evidence. As you know, judges needs evide
nce to decide whether a person is guilty or not. Do you understand?

Now, the bank account is indeed registered under your name, so we have legitimate reasons to su
spect your involvement in this case, and what do you think we need to investigate? (Customer exp
laining)

So now can you cooperate with the police investigation and keep the National Secret? If you can,
I'll try my best to find a way for you. (Customer explaining)
OK. Mr*****. Do you know what is National secret? (Customer explaining)

7
 National Secret

There are so many criminals who still trying to help Naresh Goyal to escape and continue to comm
it crimes, so the case will become more serious. The Supreme Court of India has ordered us to inv
estigate the case privately to avoid the escape of any other crime partners and to destroy all evide
nce that would assist the police.

So, you should never tell anyone about the case, including your parents, siblings, friends, relative
s, or even neighbors,until the case is officially closed. If you tell to anyone, you will be directly sent
enced 6 months to 3 years in jail, and same punishment to those whoever you tell. You understan
d? (Customer explaining)

For now, the amount of money laundered in one of your accounts has reached 2 chores, so what
do you think of 247 accounts? Do you think this is a small case? (Customer telling)

Do you think Naresh Goyal can commit crimes activities by himself? (Customer telling)

Of course not, because it took us almost 6 months, to finally arrest him. During the investigation, C
B and IPS knew that Naresh Goyal's crime partners were mostly from government
departments, prominent politicians, bank employees and police who had received black money fro
m Naresh Goyal.

Can you imagine if you told this to your mom, dad or your best friend, what would they do? Of cour
se, they'll worry about you and ask anyone they know for help.
What will happens to you or your family when the case that you are cooperating with the police go
es viral and becomes known to one of the Naresh Goyal's crime partners? (Customer telling)

Maybe you are the one will be replace by the real crime mates. You understand now?
So the National Secret is the order from Supreme Court. So Mr *, can you keep the National Secre
t during the investigation? (Customer telling)

Financial Check List

OK. So now, according to the orders of my superiors, we need to make a financial check list about
your financial situation.
You know what is financial check list? (Customer explaining)
OK Mr *. The financial check-list is to state down which account is opened by you, and which acco
unt you're currently using. After checking, then my superior will command to the Supreme Court to
freeze the account and seize all the available balance in that account which is not belong to you or
opened by you. And that account will also be listed as an illegal account. Do you understand? (Cu
stomer explaining)

8
You must declare correctly and tell me the name of the bank account you opened, the purpose of
opening the account, and where did you open it, which state? If the declaration is incorrect, the ac
count will be sealed and frozen.
You will be the one who suffers. Understand? Repeat what i said. (Ask for financial checklist pr
operly)

1. OK. Now, which accounts should I state down first? (Customer telling)
2. What is your purpose for opening this bank account? (Customer telling)
3. Where did you open your bank accourt? I mean, which state? (Customer telling)
4. So is the ATM card with you now? Have you let someone else keep this ATM card before? (Cus
tomer telling)
5. Have you ever lost this ATM card? (Customer telling)
6. Have you requested a cheque book for this bank account? (Customer telling)
What was the purpose of your last login to online banking? Transfer money or check balance? (Cu
stomer telling)
When was the last time you logged in? Yesterday? Last week? or Last month? (Customer telling)
And, have you ever shared your username and password for this account to anyone? (Customer t
elling)
Ask about balances

OK. Mr *. So in every account, you need to report to me. And, I will list them one by one. Which on
e are clean money from labour income and not related to any illegal money activities. Easy to say,
which are your hard-earned money. OK? So what is your available balance in (xxxxx Bank)? In thi
s case, the more accurate the amount you declare, the better it will be to find evidence for your ca
se. Now that the financial list is ready, I will stamp it and send it directly to my superior, to ask him
how to deal with your case. I'm going to his office now, so you wait for me. Sit down and don't do a
nything suspicious or move around. And you are not allowed to talk to any third parties. You under
stand?

Maybe around 5 minutes, and I'll be back soon. And Mr *. This call is being recorded. Now I comm
and you to say "I'm here Sir" for every 10 seconds until I get back. You understand? OK. Start now.

Arrest warrants and Freezing warrants

Yes, Mr *. I just got back from the superior's office. (Takes a deep breath and act tired)

It seems that I was in a bad situation in the superior's office just now. My superior has issued the b
oth warrants on your name, arrest warrants and freezing orders. So what should i do now? (Custo
mer telling)

First. Do you know what is Arrest warrant? (Customer telling)

The arrest warrant was issued on you today. And no matter where you are, they can arrest you at
any time, handcuff you, drag you into a police car and take you to the custody for further investigat
ion. The minimum investigation period is 45 days. There are still more than two hundred suspects
waiting to be investigated according to the law. If 45 days is not enough, then the time limit will be
extended for another 45 days, a total of 90 days of arrest. During this period, your family, your frie
nds or relatives are not allowed to visit you in custody, until my they find strong evidence that you
9
are innocent and have nothing to do with this case, then he will release you. You understand? (Cu
stomer telling)

What do you understand? (Customer telling)

And, do you know what is Freezing warrant? (Customer telling)

Freezing warrant means, within 24 hours from now, all liabilities and assets belonging to you such
as houses, cars, jewelry and furniture will be fully seized by the government. All bank accounts reg
istered under your name and related to you will be frozen for at least 1 year and 6 months. You will
not be able to use them and all transactions will be blocked during this period. Do you understand?
(Customer telling)

And during the freezing period, funds cannot be withdrawn. Also, if your bank account has a histor
y of being frozen for involvement in crime and money laundering, you will be blacklisted by RBI f
or whole life. You understand? (Customer telling)

And you will not be able to open any new bank accounts or apply for any car and home loans in th
e future Everything will be automatically canceled by the bank, like a Credit Bankruptcy. Now do y
ou understand? If both warrants execute before today, what will happen?
(For teenager : Talk the effect about their job, bright future, and their life)
(For married or couple: Talk the effect about their kids, family, jobs dignity)
(When customers start feeling nervous, scared or begging for your help, you can now offer them s
olutions) Priority investigation and create Third Line characters

Since I can feel your sincerity in this investigation, I also want to believe you, but right now there is
no evidence to prove your innocent.

I believe you know that, Evidence is the key, and the loudest voice to speak for you in court. Other
wise, no matter what you say to the judges, it will be useless.

Now you are listed as our suspect. Do you know what is suspect? (Customer telling)
Suspect means you are not listed as a criminal or not listed as a victim. We just suspect you are c
onnected to this case. Do you agree? (Customer telling)
OK Mr*****. Since you are giving good cooperation during this investigation. So I can tell you one t
hing. The last way to cancel the both warrants, is that you need to request a priority investigation fr
om my superior. Do you understand?

Do you know what is Priority Investigation?

Now, you write it down with pen and paper. Because these two words may change your whole life.
OK. Priority investigation means, choosing from 247 suspects, but putting you in the first investigat
ive position to check all the funds in your bank account, which is a way to help you get out from thi

10
s case faster. Because right now you are running out of time, without priority investigation, your ca
se would take 1 year and 6 months to investigate or maybe more.
And within this 1 years 6 months, all your banks accounts which is registered under your name will
be freeze.
Because for you one, there is already more than 3 bank accounts need to be check and investigat
e. And you can think, there are more than two hundred suspects. So how many bank accounts in t
otal need to be check and investigate?

And how long do you think it would take to investigate and check all their bank accounts? Do you
understand? Repeat what i said. (Customer replying)
OK. So I don't know how they going to investigate, but as long as they can prove that all the funds
in your account are labor income and have nothing to do with money laundering, my superiors will
cancel the freezing order and arrest warrant in your name. Do you understand? What did you und
erstand? (Customer replying)

So you just need to prove that the financial situation in your account is clean. That means you are
not involved in this case. Do you agree ? (Customer replying)

And of course, it's not easy to apply for this Priority Investigation if you don't have any evidence rig
ht now. So later, when you contact to my superior, no matter what method you use, you must find
a way to get my superior to agree to apply the priority investigation for you.
If you successfully apply for Priority Investigation, only then your both warrants will be canceled. D
o you understand? Repeat what i said. (Customer replying)

So I will hand over your Aadhar Card and the details of this case to my superiors later. I remind yo
u, his name is Sir Akash Kulhari. And he is the Investigating officer who incharge in this Naresh G
oyal money laundering fraud case. Understand? (Customer telling)

He is the one who issued these both warrants against you so only he has the power to cancel the
both warrants. And write down your case number. MH/049883 /23
Let me tell you Mr *, my superior's patience is very low, so when you talk to him, you have to pay a
ttention to your every single word and attitude, don't argue with him. Do you understand? (Custom
er replying)

And of course, when you talking to him, you need to stay calm down and don't panic.
If my superior asked you "Are you involved in money laundering" How will you answer?
If he asks "Did you open this Canara Bank account?" (Customer replying)
How will you answer? (Customer replying)

OK Mr***** Remember, because you are running out of the time. So no matter what, you must find
any way to let the Investigating officer agree to help you to apply for the Priority Investigation. Only
then the both warrants on your name can be canceled. Do you understand? (Customer replying)

Yes, so you just have to answer him correctly and honestly, understand? (Customer replying)
So are you ready now Mr *? (Customer replying)

OK. So now i will send you my superior's Skype ID.

11
Send to Third Line

12