<h1>Retired banker duped into liquidating savings, Rs 23 crore extorted via impersonation, forgery and layering under IPC 420, PMLA</h1> A retired banker was targeted in a month-long impersonation and extortion scheme in which fraudsters posing as telecom, police, ED/CBI and RBI officials coerced him into liquidating savings and transferring Rs 23 crore through layered bank accounts. The perpetrators used threats of terror-funding charges, forged RBI certificates and directives allegedly from higher courts to obtain compliance. Police cyber-crime specialists are investigating; investigators have frozen about Rs 2.67 crore and traced funds moved through over 4,000 accounts, indicating deliberate layering consistent with money-laundering. Potential offences include cheating, criminal intimidation, impersonation, forgery and money-laundering under applicable laws.