| (Amount in ₹ crore) | | Area of Operations | 2004-05 | 2005-06 | 2006-07 | 2007-08 | 2008-09 | 2009-10 | 2010-11 | | No. | Amount | No. | Amount | No. | Amount | No. | Amount | No. | Amount | No. | Amount | No. | Amount | | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | | Advances | 1,564 | 672 | 1,523 | 1,161 | 1,734 | 1,055 | 1,750 | 721 | 1,976 | 1,388 | 2,190 | 1,263 | 2,382 | 2,740 | | Card/Internet | 26 | 3 | 144 | 6 | 491 | 11 | 679 | 15 | 1,036 | 37 | 1,215 | 35 | 763 | 21 | | Cash | 75 | 4 | 89 | 16 | 87 | 7 | 99 | 5 | 141 | 36 | 143 | 14 | 154 | 21 | | Cheques/DDs, etc. | 108 | 15 | 110 | 9 | 141 | 10 | 192 | 17 | 234 | 15 | 202 | 17 | 184 | 27 | | Clearing Accounts, etc. | 20 | 2 | 23 | 4 | 35 | 12 | 30 | 9 | 52 | 45 | 51 | 7 | 34 | 11 | | Deposits | 374 | 28 | 325 | 28 | 384 | 49 | 458 | 79 | 599 | 66 | 666 | 195 | 790 | 583 | | Forex Transactions | 16 | 14 | 10 | 31 | 28 | 7 | 25 | 30 | 15 | 14 | 16 | 28 | 19 | 148 | | Inter-Branch Accounts | 31 | 6 | 36 | 7 | 18 | 1 | 22 | 3 | 16 | 5 | 18 | 2 | 10 | 1 | | Non-resident accounts | 11 | 2 | 9 | 0 | 17 | 1 | 9 | 4 | 26 | 2 | 13 | 2 | 9 | 2 | | Off-balance Sheet | 6 | 33 | 7 | 25 | 4 | 4 | 6 | 8 | 9 | 22 | 10 | 370 | 10 | 212 | | Others | 204 | 16 | 148 | 29 | 88 | 51 | 97 | 26 | 146 | 39 | 146 | 64 | 179 | 56 | | Total | 2,435 | 795 | 2,424 | 1,315 | 3,027 | 1,208 | 3,367 | 917 | 4,250 | 1,669 | 4,670 | 1,997 | 4,534 | 3,822 | Notes: 1. Refers to frauds of ₹1 lakh and above.
2. The figures reported by banks and financial institutions are subject to change based on revisions filed by them.
3. Frauds reported in a year could have occurred several years prior to year of reporting.
4. Amounts involved are as reported and do not reflect the amount of loss incurred. Depending on recoveries, the loss incurred gets reduced. Further, the entire amount involved in loan accounts is not necessarily diverted.
5. As on September 30, 2025, 942 frauds amounting to ₹1,28,031 crore were withdrawn by banks and financial institutions due to non-compliance with the principles of natural justice as per the judgment of the Hon’ble Supreme Court of India dated March 27, 2023.
6. Data pertaining to 2024-25 includes fraud classification in 122 cases amounting to ₹18,336 crore, pertaining to previous financial years, reported afresh during the financial year 2024-25 after re-examination and ensuring compliance with the judgement of the Hon’ble Supreme Court of India, dated March 27, 2023.
7. Constituent items may not add up to the total due to rounding off.
8. Directions on Fraud Risk Management dated July 15, 2024, the banks are reporting only those payment system related transactions which are concluded as fraud committed on bank(s).
Source: RBI. |
| Appendix Table IV.7: Frauds in Various Banking Operations Based on Date of Reporting (Continued) | | (Amount in ₹ crore) | | Area of Operations | 2011-12 | 2012-13 | 2013-14 | 2014-15 | 2015-16 | 2016-17 | 2017-18 | | No. | Amount | No. | Amount | No. | Amount | No. | Amount | No. | Amount | No. | Amount | No. | Amount | | 1 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | | Advances | 1,953 | 3,552 | 2,087 | 6,530 | 1,977 | 7,885 | 2,244 | 16,652 | 2,111 | 17,051 | 2,306 | 20,120 | 2,513 | 22,276 | | Card/Internet | 629 | 23 | 793 | 49 | 978 | 54 | 845 | 52 | 1,191 | 40 | 1,372 | 42 | 2,058 | 102 | | Cash | 173 | 20 | 140 | 23 | 145 | 24 | 153 | 43 | 160 | 22 | 239 | 37 | 218 | 40 | | Cheques/DDs, etc. | 172 | 40 | 141 | 22 | 180 | 19 | 254 | 26 | 234 | 25 | 235 | 40 | 207 | 34 | | Clearing Accounts, etc. | 38 | 31 | 36 | 7 | 36 | 24 | 29 | 7 | 17 | 87 | 27 | 6 | 37 | 6 | | Deposits | 857 | 219 | 791 | 291 | 773 | 331 | 875 | 437 | 759 | 809 | 693 | 903 | 691 | 457 | | Forex Transactions | 22 | 130 | 10 | 98 | 9 | 144 | 13 | 787 | 16 | 31 | 16 | 2,201 | 9 | 1,426 | | Inter-Branch Accounts | 24 | 8 | 6 | 3 | 7 | 1 | 4 | 0 | 4 | 10 | 1 | 0 | 6 | 1 | | Non-resident accounts | 11 | 3 | 17 | 3 | 38 | 10 | 23 | 8 | 8 | 9 | 10 | 3 | 6 | 6 | | Off-balance Sheet | 5 | 373 | 18 | 1,527 | 15 | 1,088 | 10 | 699 | 4 | 132 | 5 | 63 | 20 | 16,288 | | Others | 207 | 98 | 197 | 112 | 135 | 64 | 179 | 162 | 176 | 146 | 153 | 77 | 138 | 242 | | Total | 4,091 | 4,497 | 4,236 | 8,665 | 4,293 | 9,644 | 4,629 | 18,873 | 4,680 | 18,362 | 5,057 | 23,492 | 5,903 | 40,877 | Notes: 1. Refers to frauds of ₹1 lakh and above.
2. The figures reported by banks and financial institutions are subject to change based on revisions filed by them.
3. Frauds reported in a year could have occurred several years prior to year of reporting.
4. Amounts involved are as reported and do not reflect the amount of loss incurred. Depending on recoveries, the loss incurred gets reduced. Further, the entire amount involved in loan accounts is not necessarily diverted.
5. As on September 30, 2025, 942 frauds amounting to ₹1,28,031 crore were withdrawn by banks and financial institutions due to non-compliance with the principles of natural justice as per the judgment of the Hon’ble Supreme Court of India dated March 27, 2023.
6. Data pertaining to 2024-25 includes fraud classification in 122 cases amounting to ₹18,336 crore, pertaining to previous financial years, reported afresh during the financial year 2024-25 after re-examination and ensuring compliance with the judgement of the Hon’ble Supreme Court of India, dated March 27, 2023.
7. Constituent items may not add up to the total due to rounding off.
8. Directions on Fraud Risk Management dated July 15, 2024, the banks are reporting only those payment system related transactions which are concluded as fraud committed on bank(s).
Source: RBI. |
| Appendix Table IV.7: Frauds in Various Banking Operations Based on Date of Reporting (Concluded) | | (Amount in ₹ crore) | | Area of Operations | 2018-19 | 2019-20 | 2020-21 | 2021-22 | 2022-23 | 2023-24 | 2024-25 | 2025-26
(till September 2025) | | No. | Amount | No. | Amount | No. | Amount | No. | Amount | No. | Amount | No. | Amount | No. | Amount | No. | Amount | | 1 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | | Advances | 3,520 | 51,299 | 4,384 | 1,50,865 | 3,276 | 1,02,759 | 3,677 | 34,532 | 3,989 | 15,065 | 4,113 | 9,160 | 7,934 | 31,911 | 4,255 | 17,501 | | Card/Internet | 1,866 | 71 | 2,677 | 129 | 2,545 | 119 | 3,596 | 155 | 6,699 | 277 | 29,080 | 1,457 | 13,469 | 520 | 195 | 14 | | Cash | 272 | 56 | 371 | 63 | 329 | 39 | 649 | 93 | 1,485 | 159 | 484 | 78 | 306 | 39 | 116 | 27 | | Cheques/DDs, etc. | 189 | 34 | 201 | 39 | 163 | 84 | 201 | 158 | 118 | 25 | 127 | 42 | 122 | 74 | 51 | 8 | | Clearing Accounts, etc. | 24 | 209 | 22 | 7 | 14 | 4 | 16 | 1 | 18 | 3 | 17 | 2 | 6 | 2 | 2 | 6 | | Deposits | 593 | 148 | 530 | 616 | 502 | 403 | 471 | 493 | 652 | 259 | 2,002 | 240 | 1,207 | 521 | 222 | 131 | | Forex Transactions | 13 | 695 | 8 | 54 | 4 | 129 | 7 | 7 | 13 | 12 | 19 | 38 | 23 | 16 | 21 | 124 | | Inter-Branch Accounts | 3 | 0 | 2 | 0 | 2 | 0 | 3 | 2 | 3 | 0 | 29 | 10 | 14 | 26 | 19 | 19 | | Non-resident accounts | 3 | 0 | 8 | 1 | 1 | 0 | 1 | 2 | 2 | 1 | 6 | 2 | 1 | 1 | - | - | | Off-balance Sheet | 26 | 5,214 | 25 | 2,149 | 22 | 520 | 21 | 1,077 | 13 | 280 | 10 | 199 | 8 | 270 | 3 | 1 | | Others | 197 | 244 | 242 | 172 | 277 | 54 | 299 | 98 | 470 | 421 | 165 | 33 | 789 | 1,391 | 208 | 3,684 | | Total | 6,706 | 57,970 | 8,470 | 1,54,096 | 7,135 | 1,04,111 | 8,941 | 36,617 | 13,462 | 16,502 | 36,052 | 11,261 | 23,879 | 34,771 | 5,092 | 21,515 | -: Nil.
Notes: 1. Refers to frauds of ₹1 lakh and above.
2. The figures reported by banks and financial institutions are subject to change based on revisions filed by them.
3. Frauds reported in a year could have occurred several years prior to year of reporting.
4. Amounts involved are as reported and do not reflect the amount of loss incurred. Depending on recoveries, the loss incurred gets reduced. Further, the entire amount involved in loan accounts is not necessarily diverted.
5. As on September 30, 2025, 942 frauds amounting to ₹1,28,031 crore were withdrawn by banks and financial institutions due to non-compliance with the principles of natural justice as per the judgment of the Hon’ble Supreme Court of India dated March 27, 2023.
6. Data pertaining to 2024-25 includes fraud classification in 122 cases amounting to ₹18,336 crore, pertaining to previous financial years, reported afresh during the financial year 2024-25 after re-examination and ensuring compliance with the judgement of the Hon’ble Supreme Court of India, dated March 27, 2023.
7. Constituent items may not add up to the total due to rounding off.
8. Directions on Fraud Risk Management dated July 15, 2024, the banks are reporting only those payment system related transactions which are concluded as fraud committed on bank(s).
Source: RBI. | |