The Court held that the telecommunication services provider was liable for its negligent issuance of a duplicate SIM card leading to SIM-Swap fraud, and Central Bank of India cannot be fully absolved of their auxiliary liability as they failed to perform the physical release and remittance of the contractually frozen amount back to the complainant even after an interim order, thereby unlawfully disrupting the velocity of the complainant’s capital despite the clear judicial intervention of the Court.