Banks have sped up their reply times to cybercrime investigators, improving from 15 to 20 days in 2024 to around one week in 2025. Some banks now respond in just three days, said Pronab Mohanty, DGP of Cyber Command Unit. Fast responses help police crack cybercrime cases faster because bank data are key leads. Police credit better cooperation to meetings with bank officials and the appointment of liaison officers, allowing direct issue resolution. Despite this, money recovery in cybercrime cases fell below 10% in 2025. A senior investigator pointed out bigger problems remain, especially with "mule accounts" used to launder stolen money. Lenient KYC checks have made these accounts easy to open. In 2024, over 70,000 mule accounts were detected in Karnataka, just in the first layer. Banks also fail to monitor suspicious transactions properly, missing chances to detect crime early. Another problem is innocent people’s accounts being wrongly frozen after false cybercrime reports. Victims who get recovered funds sometimes face their accounts being frozen again due to links with mule accounts. The Ministry of Home Affairs has drafted rules to fix these problems but has not finalized them. This delay keeps many small businesses and individuals stressed by account freezes and slow procedures.