Lok Sabha Question No. 1030 (UNSTARRED), answered on 2017-07-21
Subject: Online Frauds
Ministry: FINANCE
Asked by: RAMESH BIDHURI, SUKHBIR SINGH JAUNPURIA, ADVOCATE NARENDRA KESHAV SAWAIKAR, RAMSINH PATALYABHAI RATHWA, RAM TAHAL CHOUDHARY

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UNSTARRED QUESTION NO 1030

TO BE ANSWERED ON THE JULY, 2017 (FRIDAYJ ASHADHA 30, 1939 (SAKA) 21ST

## Online Frauds

1030. SHRI RAMESH BIDHURI:

SHRI SUKHBIR SINGH JAUNAPURIA: SHRI RAMSINH RATHWA:

ADV. NARENDRA KESHAV SAWAIKAR:

SHRI RAM TAHAL CHOUDHARY:

Will the Minister of FINANCE be pleased to state:

- (a) whether the Government has taken cognizance of the increase in the cases of fraudulent embezzlement of money through internetlonline/ATMDebit/Credit Cards;
- (b) if so, the details thereof including number of such cases registered and officials found involved in the cases during the last three years and current year, bank and StatelUnion Territory-wise including Jharkhand;
- (c) whether the Government has drawn a cyber crisis management plan to check cyber frauds in the country and if the details thereof; and SO,
- (d) the steps taken/being taken by the Government to check such frauds and protect customers in this regard?

## ANSWER

## MINISTER OF STATE IN THE MINISTRY OF FINANCE

(SHRI SANTOSH KUMAR GANGWAR)

- (a) & (b): Information provided by Reserve Bank of India (RBI) on frauds related to ATM / Credit Debit cards & Net banking during the last three years and current year; state-wise & bank-wise is given in Annex A to E:
- (c) & (d): Measures initiated by the RBI to prevent cyber related frauds are given below:
- RBI has issued circular on 'Skimming of ATMDebitlCredit Cards' vide take various preventive measures to combat frauds relating to skimming or duplicating of credit cards. The banks, inter alia, were also advised to advise customers not to reveal PIN in response to requests received through e-mail, to periodically verify the transaction history to ensure its correctness and, if any unauthorized transaction was observed it should be immediately reported to the bank and inform the bank if the card is lost or stolen.
- In January 2016, Central Fraud Registry (CFR) has been operationalized at RBI as searchable online central fraud data base for use by the banks in respect of frauds above Rs.1 lakh. The CFR contains critical aspectsl information, including modus operandi in respect of frauds as reported by the banks and select Financial Institutions (Fls). This data base is helpful to the banks not only during credit decisions but also to know about fraud in various areas of banking including frauds, ATMIdebitl credit card and internet banking: cyber
- (iii) Caution advices are also issued by RBI as and when necessary for preventing and controlling frauds. Three caution advices have been issued recently in connection with Fraud in Mobile Application (CA No. 4097) (i) ATMs-Large value cash shortages-Malware attacks (CA No. 4087) and (iii) Fraud-Letter of Comfort -Buyers Credit ~Misuse of SWIFT messaging system (CA No.4094).
- (iv) RBI has reiterated its instructions vide circular DBS.CO.CFMC BC No.6/23.04.001/2016-17 dated September 28, 2016 on funds transfer requirement received through emaillfax messages Banks were advised to strengthen the mechanism in place by them in this regard and also to adhere to it strictly, including contacting the customer over phone at his registered phone number to ensure genuineness of request of the customer: put
- In order to focus more attention on IT related matters , Reserve Bank of India has set up a Cyber Security and IT Examination (CSITE) Cell within its Department of Banking Supervision in 2015. RBI has issued a comprehensive circular on Cyber   Security Framework in Banks on June 2, 2016 covering best practices pertaining to various aspects of cyber security: The banks are required, among other to have cyber-security policy, cyber crisis management plan, gap assessment vis-a-vis the baseline requirements indicated in the circular, monitoring certain risk indicators in the area, report unusual cyber security incidents within 2 to 6 hours, ensure board involvement in the matter and robust vendor risk management. The progress of banks in  scaling up their  cyber  security preparedness is monitored. things,
- (vi) RBI carries out IT Examination of banks separately from the regular financial examination of banks from last year. This report has a special focus on security: The reports have been issued to the banks for remedial action RBI has also set up Cyber Crisis Management Group to address any major incidents reported including suggesting ways to respond to and recover from the incidents. RBI also conducts cyber security preparedness testing among banks on the basis of hypothetical scenarios with the help of  Indian Computer Emergency Response Team (CERT-In). RBI also has set up an IT subsidiary, with a focus, among other on security within RBI as well as in regulated entities. cyber things, cyber

Break up of Credit cardIATMI Debit card & Internet Banking Frauds during last 4 years (Amount in lakhs)

| Period                   | Credit Cards   | Credit Cards                  | ATMDebit Cards   | ATMDebit Cards                | Internet Banking   | Internet Banking        | No. of frauds   | Amount involved (in Rs_ lakh)   |
|--------------------------|----------------|-------------------------------|------------------|-------------------------------|--------------------|-------------------------|-----------------|---------------------------------|
| Period                   | No. of frauds  | Amount involved (in Rs. lakh) | No. of frauds    | Amount involved (in Rs. lakh) | No. of frauds      | Amount involved (in Rs: | No. of frauds   | Amount involved (in Rs_ lakh)   |
| 2013-14                  | 7890           |                               | 1307             | 823.17                        | 303                | 1495.83                 | 9500            | 7800.59                         |
| 2014-15                  | 10382          | 4231.97                       | 2498             | 1385.98                       | 203                |                         | 13083           | 8063.75                         |
| 2015-16                  | 9849           | 4597.79                       | 6585             | 3126.85                       |                    | 175.31                  | 16468           |                                 |
| 2016-17                  | 681            | 3202.61                       | 6709             |                               | 133                | 198.43                  | 13653           |                                 |
| Qtr Apr 2017 to Jun 2017 | 3153           | 1024.54                       | 1969             | 757.62                        | 27                 | 181.28                  | 5149            | 1963.44                         |
| Grand Total              | 38085          | 18538.50                      | 190681           | 9960.51                       | 700                | 4496.651                | 57853           | 32995.661                       |

## Annex B

|                                                 | Bank-wise break-Up of Credit Cardl ATWDebit Card & Internet Banking for the period of three years 2014-15   | Bank-wise break-Up of Credit Cardl ATWDebit Card & Internet Banking for the period of three years 2014-15   | 2015-16      | 2015-16              | 2016-17      | 2016-17              | Total        | Total                |
|-------------------------------------------------|-------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------|--------------|----------------------|--------------|----------------------|--------------|----------------------|
| Bank Name                                       | No. of Cases                                                                                                | Amt involved in Lakh                                                                                        | No. of Cases | Amt involved in Lakh | No. of Cases | Amt involved in Lakh | No. of Cases | Amt involved in Lakh |
| AB Bank Ltd                                     |                                                                                                             |                                                                                                             |              |                      |              |                      |              |                      |
| Abu Dhabi Commercial Bank PJSC                  |                                                                                                             |                                                                                                             |              |                      |              |                      |              |                      |
| Allahabad Bank                                  |                                                                                                             |                                                                                                             |              |                      |              | 0.24                 |              | 0.24                 |
| American Express Banking Corp:                  | 1184                                                                                                        | 1189.67                                                                                                     | 1023         | 779.91               | 1493         | 810.39               | 3700         | 2779.97              |
| Andhra Bank                                     |                                                                                                             | 1.79                                                                                                        |              |                      |              | 5.36                 | 2            | 7.15                 |
| Australia and Zealand Banking Group Limited New |                                                                                                             |                                                                                                             |              |                      |              |                      |              |                      |
| Axis Bank Ltd.                                  | 364                                                                                                         | 279.46                                                                                                      | 125          | 661.5                | 171          | 447.94               | 660          | 1388.9               |
| Bandhan Bank Ltd_                               |                                                                                                             |                                                                                                             |              | 0.21                 | 2            | 0.85                 | 3            | 1.06                 |
| Bank of America, National Association           |                                                                                                             |                                                                                                             |              |                      |              |                      |              |                      |
| Bank Bahrain & Kuwait BSC                       |                                                                                                             |                                                                                                             |              |                      |              |                      |              |                      |
| Bank of Baroda                                  |                                                                                                             | 1842.7                                                                                                      | 20           | 65.83                |              | 103.19               | 31           | 2011.72              |
| Bank of Ceylon                                  |                                                                                                             |                                                                                                             | 0            | 0                    |              |                      | 0            | 0                    |
| Bank of India                                   |                                                                                                             | 5.04                                                                                                        | 5            | 37.35                | 2            | 2.89                 |              | 45.28                |
| Bank of Maharashtra                             | 2                                                                                                           | 1.95                                                                                                        |              | 3.95                 |              | 4.87                 | 5            | 10.77                |
| Bank of Nova Scotia                             | 0                                                                                                           |                                                                                                             | 0            |                      |              |                      |              |                      |
| Barclays Bank Plc                               | 0                                                                                                           |                                                                                                             | 0            |                      |              | 0.58                 |              | 0.58                 |
| Bharatiya Mahila Bank Ltd.                      |                                                                                                             |                                                                                                             |              |                      |              | 1.17                 |              | 1.17                 |
| BNP Paribas                                     | 0                                                                                                           |                                                                                                             |              |                      |              | 0                    |              | 0                    |
| Canara Bank                                     | 2                                                                                                           | 62.72                                                                                                       | 2            | 1.45                 |              | 453.66               |              | 517.83               |
| Catholic Syrian Bank Ltd.                       |                                                                                                             |                                                                                                             |              | 0.72                 | 5            | 1.69                 |              | 2.41                 |
| Central Bank of India                           | 38                                                                                                          | 81.49                                                                                                       | 42           | 73.49                | 26           | 14.2                 | 106          | 169.18               |
| Citibank NA                                     | 1487                                                                                                        | 523.18                                                                                                      | 1051         | 526.48               | 1252         | 763.75               | 3790         | 1813.41              |
| City Union Bank Ltd                             |                                                                                                             |                                                                                                             | 0            | 0                    | 0            | 0                    | 0            |                      |
| Coastal Local Area Bank Ltd                     |                                                                                                             |                                                                                                             |              |                      |              |                      |              |                      |
| Commonwealth Bank of Australia                  |                                                                                                             |                                                                                                             |              |                      |              |                      |              |                      |
| Cooperatieve Rabobank UA                        |                                                                                                             |                                                                                                             |              |                      |              |                      |              |                      |
| Corporation Bank Credit Agricole                | 41                                                                                                          | 135.97                                                                                                      | 59           | 76.92                | 102          | 61.51                | 202          | 274.4                |
| Corporate and Investment Bank                   |                                                                                                             |                                                                                                             |              |                      |              |                      |              |                      |
| Credit Suisse AG                                |                                                                                                             | 0                                                                                                           | 0            |                      |              |                      | 0            |                      |
|                                                 |                                                                                                             |                                                                                                             |              | 0                    |              |                      |              | 8                    |
| 9BBGeankimited DCB Bank Ltd                     |                                                                                                             |                                                                                                             | 8            |                      |              |                      |              |                      |
|                                                 |                                                                                                             |                                                                                                             |              | 0                    |              |                      |              | 0                    |
| Dena Bank Deutsche Bank Asia                    |                                                                                                             |                                                                                                             |              | 0                    |              |                      |              |                      |
|                                                 |                                                                                                             | 16.98                                                                                                       |              | 1.56                 | 56           | 16.79                |              | 35.33                |
| Dhanlaxmi Bank Limited                          |                                                                                                             | 3.75                                                                                                        |              | 1.46                 | 2            | 0.94                 | 14           | 6.15                 |

| Doha Bank Qsc                                   |      |            |      |         |      |         |       |         |
|-------------------------------------------------|------|------------|------|---------|------|---------|-------|---------|
| Equitas Small Finance Bank Limited              |      |            |      |         |      |         |       |         |
| EXPORT-IMPORT                                   |      |            |      |         |      | 28.86   | 10    | 39.05   |
| INDIA BANK QF                                   |      | 9.06       |      | 1.13    | 5    | 1.81    |       | 3.71    |
| Federal Bank Ltd:                               |      | 1.9        | 0    | 0       | 2    | 795.7   | 7144  |         |
| FIRSTRAND BANK                                  | 2260 | 708.83     | 2837 | 948.72  |      |         |       |         |
| HDFC Bank Ltd Hongkong                          | 1622 | 331.39     | 1263 | 296.63  | 726  | 241.12  | 3611  | 869.14  |
| Banking Shanghai Corporation Ltd HSBC Bank Oman |      |            |      |         | 2376 | 1434.78 | 11055 | 5280.13 |
| SAO.G ICICI Bank Ltd                            | 3706 | 1572.54    | 4973 | 2272.81 |      | 137.77  | 684   | 347.24  |
|                                                 | 48   | 30.22      | 341  | 179.25  | 295  | 0.75    |       | 0.75    |
| Limited IDBI Bank                               |      |            |      |         |      |         |       |         |
| Bank Limited IDFC                               |      |            |      |         |      | 0       |       | 183.51  |
| IFCI LTD:                                       | 12   | 52.26      |      | 8.64    | 69   | 122.61  | 88    |         |
| Indian Bank Indian                              |      |            |      | 0       |      |         |       | 2.02    |
| Overseas Bank                                   |      | 2.02 15.72 |      | 47.08   | 3    | 33.1    | 10    | 95.9    |
| Induslnd Bank Ltd:                              | 3    |            |      |         |      |         |       |         |
| Industrial and Commercial Bank of China Limited |      | 1.02       |      |         |      |         |       | 1.02    |
|                                                 |      | 28.07      |      |         |      | 9.4     | 2     | 37.47   |
| Jammu & Kashmir Bank Ltd:                       |      |            |      |         |      |         |       |         |
| JP Morgan Chase Bank; National Association      |      |            |      |         |      |         |       |         |
| JSC VTB Bank                                    |      |            |      |         |      |         | 10    | 11.42   |
| Karnataka Bank Ltd                              |      | 10.76      | 2    | 0.66    |      |         |       | 13.26   |
| Karur Vysya Bank                                |      |            |      |         |      | 13.26 0 | 0     |         |
| Ltd.                                            |      |            |      |         |      |         |       |         |
| KBC Bank NV                                     |      |            |      | 0       | 5    | 5.04    | 5     | 5.04    |
| Exchange Korea Bank                             | 654  | 114.41     | 1521 | 569.38  | 2754 | 461.52  | 4929  | 1145.31 |
| Kotak Mahindra Bank Ltd . Krishna Bhima         |      |            |      |         |      |         |       |         |
| Samruddhi Local Area Bank Ltd                   |      |            |      |         |      |         |       |         |
| Krung_Thai Bank pcl                             |      |            |      |         |      |         |       | 9.32    |
| Lakshmi Vilas Bank Ltd_                         |      | 3.05 0     | 12   | 5.21    | 0    | 1.06 0  | 24    |         |
| Mashreq Bank PSC                                |      |            |      | 0       |      |         |       |         |
| Mizuho Corporate Bank Ltd                       |      |            |      |         |      |         |       |         |
| Nainital Bank Ltd                               |      |            |      |         |      |         |       |         |
| National Australia Bank                         |      |            |      |         |      |         |       |         |
| NATIONAL BANK                                   |      |            |      |         |      |         |       |         |
| FOR AGRICULTURE AND RURAL DEVELOPMENT           |      |            |      |         |      |         |       |         |

| National Bank of Abu                                         |       |           |      |        |               |         |       |          |
|--------------------------------------------------------------|-------|-----------|------|--------|---------------|---------|-------|----------|
| Dhabi NATIONAL                                               |       |           |      |        |               |         |       | 9.59     |
| HOUSING BANK Oriental Bank of Commerce                       |       |           | 5    | 9.34   |               | 0.25    |       |          |
| PT Bank Maybank                                              |       |           | 0    |        | 0             |         |       |          |
| Indonesia TBK                                                |       |           |      | 0      |               | 0       | 62    | 43.09    |
| Punjab & Sind Bank                                           | 2     | 0. 0      | 56   | 35.21  | 9             |         | 94    | 135.32   |
| National Bank Punjab                                         | 69    | 70.12     | 11   | 43.23  |               |         |       |          |
| SBM Bank (Mauritius)                                         |       |           |      |        | 0             | 2.17    |       | 3.63     |
|                                                              |       |           |      | 1.46   | 5             |         |       |          |
| Shinhan Bank                                                 |       |           |      |        |               |         |       |          |
| Small Finance Bank                                           |       |           |      |        |               |         |       |          |
| SMALL INDUSTRIES DEVELOPMENT BANK QF INDIA Societe Generale_ |       |           |      |        |               |         |       |          |
|                                                              |       |           |      |        |               | 4.01    | 3     | 6.26     |
| South Indian Bank                                            |       | 2.25      |      |        |               |         | 6539  | 2727.78  |
| Chartered Standard Bank                                      | 1483  | 530.78    | 2905 | 1073.6 | 2151          | 1123.4  | 2     | 1.18     |
| State Bank of Bikaner & Jaipur                               |       |           | 2    | 1.18   |               | 0.95    | 12    | 5.15     |
| State Bank of Hyderabad                                      | 10    | 4.2 82.41 |      | 20.13  |               | 29.79   | 13    | 132.33   |
| State Bank of India                                          |       |           | 5    |        |               |         |       |          |
| State Bank of Mysore                                         |       |           |      |        |               |         |       |          |
| State Bank of Patiala                                        |       |           |      |        | 11            | 12.54   |       | 12.54    |
| State Bank of Travancore                                     |       |           |      |        |               |         |       |          |
| Sumitomo Mitsui                                              |       |           |      | 69.6   |               | 4.91    | 122   | 74.51    |
| Syndicate Bank                                               |       |           | 106  |        | 16            |         |       | 49.09    |
| Tamilnadu Mercantile Bank Ltd:                               |       | 19.59     |      | 29.5   |               |         |       |          |
| The Bank of Tokyo Mitsubishi UFJ_Ltd                         |       |           |      |        |               |         | 69    | 46.11    |
| The Royal Bank of Scotland NV                                |       | 21.66     | 57   | 22.75  | 5             | 1.7 0   |       |          |
| UBSAG                                                        |       |           | 0    |        | 3             | 6.06    | 3     | 6.06     |
|                                                              |       |           |      |        |               | 28.74   | 41    | 316.47   |
|                                                              |       | 255.02    | 15   | 32.71  | 13            |         |       | 0.9      |
| Union Bank of India                                          | 13    | 0         |      |        | 0.9 0         | 0       |       |          |
| United Bank of India_                                        | 0     |           |      |        |               |         |       |          |
| United Overseas Bank Limited                                 |       |           |      |        | 5             | 44.45   |       |          |
| Vijaya Bank                                                  |       | 40.79     |      |        |               |         |       |          |
| Westpac Banking                                              |       |           |      |        |               |         |       |          |
| Corporation                                                  |       |           |      |        |               |         | 11    | 10.29    |
| Woori Bank                                                   |       |           |      |        |               | 3 1.85  |       |          |
| Yes Bank Ltd                                                 | 8     | 8.44      |      |        |               | 7267.93 | 43204 | 23231.63 |
| Grand Total                                                  | 13083 | 8063.75   |      | 16468  | 7899.95 13653 |         |       |          |

## June 30,2017

| SI: No.   | Bank name                               | No. of Frauds   | Amount Involved (Rs. Lakh)   |
|-----------|-----------------------------------------|-----------------|------------------------------|
|           | AMERICAN EXPRESS BANKING CORP .         | 1086            | 263.67                       |
| 2         | AXIS BANK LIMITED                       | 48              | 59.73                        |
| 3         | BANK OF BARODA                          | 2               | 13.65                        |
|           | CANARA BANK                             | 4               | 32.10                        |
| 5         | CENTRAL BANK OF INDIA                   | 2               | 62.76                        |
| 6         | CITIBANK NA                             | 403             | 175.13                       |
|           | CORPORATION BANK                        | 5               | 0.80                         |
| 8         | DBS BANK LTD.                           | 3               | 1,.25                        |
|           | DEUTSCHE BANK AG                        | 3               | 1.95                         |
| 10        | HDFC BANK LTD.                          | 777             | 430.88                       |
| 11        | HONGKONG AND SHANGHAI BANKING CORPNLTD: | 463             | 115.31                       |
| 12        | ICICI BANK LIMITED                      | 515             | 315.91                       |
| 13        | IDBI BANK LIMITED                       | 115             | 79.51                        |
| 14        | INDIAN BANK                             | 7               | 3.57                         |
| 15        | INDUSIND BANK LTD                       | 2               | 93.50                        |
| 16        | KOTAK MAHINDRA BANK LTD:                | 1528            | 238.53                       |
| 17        | PUNJAB NATIONAL BANK                    | 8               | 2.71                         |
| 18        | RBL BANK LIMITED                        | 9               | 5.00                         |
| 19        | STANDARD CHARTERED BANK                 | 148             | 60.12                        |
| 20        | STATE BANK OF INDIA                     | 15              | 5.93                         |
| 21        | SYNDICATE BANK                          |                 | 0.20                         |
| 22        | UNION BANK OF INDIA                     |                 | 1.13                         |
|           | YES BANK LTD.                           |                 | 0.10                         |
|           | Grand Total                             | 5149            | 1963.44                      |

ANNEX D

| Details of Credit Card, ATM Debit Card & Internet Banking frauds for Amount One lakh and above-Statewise   | Details of Credit Card, ATM Debit Card & Internet Banking frauds for Amount One lakh and above-Statewise   | Details of Credit Card, ATM Debit Card & Internet Banking frauds for Amount One lakh and above-Statewise   | Details of Credit Card, ATM Debit Card & Internet Banking frauds for Amount One lakh and above-Statewise   | Details of Credit Card, ATM Debit Card & Internet Banking frauds for Amount One lakh and above-Statewise   | Details of Credit Card, ATM Debit Card & Internet Banking frauds for Amount One lakh and above-Statewise   | Details of Credit Card, ATM Debit Card & Internet Banking frauds for Amount One lakh and above-Statewise   | Details of Credit Card, ATM Debit Card & Internet Banking frauds for Amount One lakh and above-Statewise   | Details of Credit Card, ATM Debit Card & Internet Banking frauds for Amount One lakh and above-Statewise   |
|------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------|
| State Name                                                                                                 | 2014-15                                                                                                    | 2014-15                                                                                                    | 2015-16                                                                                                    | 2015-16                                                                                                    | 2016-17                                                                                                    | 2016-17                                                                                                    | Total                                                                                                      | Total                                                                                                      |
| State Name                                                                                                 | No. of Cases                                                                                               | Amt involved in Lakh                                                                                       | No. of Cases                                                                                               | Amt involved in Lakh                                                                                       | No. of Cases                                                                                               | Amt involved in Lakh                                                                                       | of Cases No.                                                                                               | Amt involved in Lakh                                                                                       |
| Andhra Pradesh                                                                                             | 14                                                                                                         | 35.18                                                                                                      | 35                                                                                                         | 173.26                                                                                                     | 31                                                                                                         | 64.17                                                                                                      | 80                                                                                                         | 272.61                                                                                                     |
| Assam                                                                                                      | 0                                                                                                          |                                                                                                            |                                                                                                            | 5.98                                                                                                       | 3                                                                                                          | 10.63                                                                                                      |                                                                                                            | 16.61                                                                                                      |
| Bihar                                                                                                      | 0                                                                                                          | 0                                                                                                          | 4                                                                                                          | 16.46                                                                                                      | 4                                                                                                          | 6.5                                                                                                        | 8                                                                                                          | 22.96                                                                                                      |
| Chandigarh                                                                                                 | 3                                                                                                          | 31.22                                                                                                      | 3                                                                                                          | 16.19                                                                                                      |                                                                                                            | 18.88                                                                                                      | 13                                                                                                         | 66.29                                                                                                      |
| Chhattisgarh                                                                                               | 1                                                                                                          |                                                                                                            | 4                                                                                                          | 20.78                                                                                                      |                                                                                                            | 1.33                                                                                                       | 6                                                                                                          | 23.31                                                                                                      |
| Delhi                                                                                                      | 35                                                                                                         | 114.27                                                                                                     | 74                                                                                                         | 226.33                                                                                                     | 156                                                                                                        | 343.61                                                                                                     | 265                                                                                                        | 684.21                                                                                                     |
| Goa                                                                                                        | 3                                                                                                          | 8.43                                                                                                       | 8                                                                                                          | 62.94                                                                                                      | 0                                                                                                          | 0                                                                                                          | 11                                                                                                         | 71.37                                                                                                      |
| Gujarat                                                                                                    | 11                                                                                                         | 275.86                                                                                                     | 26                                                                                                         | 70.83                                                                                                      | 16                                                                                                         | 53.32                                                                                                      | 53                                                                                                         | 400.01                                                                                                     |
| Haryana                                                                                                    | 187                                                                                                        | 1132.17                                                                                                    | 194                                                                                                        | 684.93                                                                                                     | 238                                                                                                        | 827.65                                                                                                     | 619                                                                                                        | 2644.75                                                                                                    |
| Himachal Pradesh                                                                                           |                                                                                                            |                                                                                                            |                                                                                                            | 1.1                                                                                                        |                                                                                                            | 1.5                                                                                                        | 2                                                                                                          | 2.6                                                                                                        |
| Jammu & Kashmir                                                                                            | 2                                                                                                          | 32.53                                                                                                      | 0                                                                                                          | 0                                                                                                          |                                                                                                            | 9.4                                                                                                        | 3                                                                                                          | 41.93                                                                                                      |
| Jharkhand                                                                                                  | 0                                                                                                          |                                                                                                            | 2                                                                                                          | 2.95                                                                                                       | 9                                                                                                          | 12.05                                                                                                      | 11                                                                                                         | 15                                                                                                         |
| Karnataka                                                                                                  | 91                                                                                                         | 433.28                                                                                                     | 179                                                                                                        | 477.28                                                                                                     | 221                                                                                                        | 916.47                                                                                                     | 491                                                                                                        |                                                                                                            |
| Kerala                                                                                                     | 8                                                                                                          | 22.36                                                                                                      | 2                                                                                                          | 2.5                                                                                                        | 9                                                                                                          | 45.92                                                                                                      | 19                                                                                                         | 70.78                                                                                                      |
| Madhya Pradesh                                                                                             | 0                                                                                                          |                                                                                                            | 5                                                                                                          | 12.14                                                                                                      |                                                                                                            | 9.68                                                                                                       | 9                                                                                                          | 21.82                                                                                                      |
| Maharashtra                                                                                                | 255                                                                                                        | 675.13                                                                                                     | 368                                                                                                        | 1589.63                                                                                                    | 379                                                                                                        | 1209.88                                                                                                    | 1002                                                                                                       | 3474.64                                                                                                    |
| Orissa                                                                                                     |                                                                                                            | 9.8                                                                                                        | 6                                                                                                          | 7.67                                                                                                       |                                                                                                            | 6.13                                                                                                       | 10                                                                                                         | 23.6                                                                                                       |
| Pondicherry                                                                                                |                                                                                                            | 2.75                                                                                                       |                                                                                                            | 2.54                                                                                                       | 2                                                                                                          | 4.52                                                                                                       | 4                                                                                                          | 9.81                                                                                                       |
| Punjab                                                                                                     | 2                                                                                                          |                                                                                                            | 3                                                                                                          | 12.52                                                                                                      | 3                                                                                                          | 26.69                                                                                                      | 8                                                                                                          | 47.04                                                                                                      |
| Rajasthan                                                                                                  | 2                                                                                                          | 8.61                                                                                                       |                                                                                                            |                                                                                                            | 10                                                                                                         | 16.35                                                                                                      | 16                                                                                                         | 33.5                                                                                                       |
| Sikkim                                                                                                     | 2                                                                                                          | 3.05                                                                                                       | 0                                                                                                          | 0                                                                                                          | 0                                                                                                          | 0                                                                                                          | 2                                                                                                          | 3.05                                                                                                       |
| Tamil Nadu                                                                                                 | 175                                                                                                        | 354.26                                                                                                     | 201                                                                                                        | 373.23                                                                                                     | 208                                                                                                        | 438.54                                                                                                     | 584                                                                                                        | 1166.03                                                                                                    |
| Uttar Pradesh                                                                                              | 20                                                                                                         | 46.36                                                                                                      | 39                                                                                                         | 93.24                                                                                                      | 37                                                                                                         | 104.3                                                                                                      | 96                                                                                                         | 243.9                                                                                                      |
| Uttaranchal                                                                                                |                                                                                                            | 1                                                                                                          | 3                                                                                                          | 26.1                                                                                                       | 5                                                                                                          | 13.31                                                                                                      | 9                                                                                                          | 40.41                                                                                                      |
| West Bengal                                                                                                | 24                                                                                                         | 51.33                                                                                                      | 15                                                                                                         | 62.12                                                                                                      | 19                                                                                                         | 66.6                                                                                                       | 58                                                                                                         | 180.05                                                                                                     |
| Overseas                                                                                                   | 5                                                                                                          | 1922.38                                                                                                    | 13                                                                                                         | 70.86                                                                                                      |                                                                                                            | 21.68                                                                                                      | 25                                                                                                         | 2014.92                                                                                                    |
| Grand Total                                                                                                | 845                                                                                                        | 5169                                                                                                       | 1191                                                                                                       | 4020.12                                                                                                    | 1372                                                                                                       | 4229.11                                                                                                    | 3408                                                                                                       | 13418.23                                                                                                   |

| SI: No.   | State                | No. of frauds   | Amount involved (in Rs: Lakh)   |
|-----------|----------------------|-----------------|---------------------------------|
|           | ANDHRA PRADESH       | 9               | 1.82                            |
| 2         | ASSAM                | 2               | 0.44                            |
| 3         | BIHAR                | 3               | 1.21                            |
| 4         | CHANDIGARH           | 13              | 3.09                            |
|           | CHHATTISGARH         | 5               | 2.81                            |
| 6         | DADRA & NAGAR HAVELI | 5               | 0.17                            |
|           | GOA                  | 1               |                                 |
| 8         | GUJARAT              | 97              | 110.19                          |
| 9         | HARYANA              | 1285            |                                 |
| 10        | JAMMU & KASHMIR      | 13              | 15.40                           |
| 11        | JHARKHAND            | 3               | 0.69                            |
| 12        | KARNATAKA            | 310             | 103.12                          |
| 13        | KERALA               | 30              | 11.56                           |
| 14        | MADHYA PRADESH       | 18              |                                 |
| 15        | MAHARASHTRA          | 1812            | 524.98                          |
| 16        | NCT OF DELHI         | 309             | 171.12                          |
| 17        | ODISHA               | 10              | 4.04                            |
| 18        | PUDUCHERRY           |                 | 1.16                            |
| 19        | PUNJAB               | 25              | 7.18                            |
| 20        | RAJASTHAN            | 18              | 5.53                            |
| 21        | SIKKIM               |                 | 0.22                            |
| 22        | TAMIL NADU           | 884             | 312.89                          |
| 23        | TELANGANA            | 96              | 195.94                          |
| 24        | UTTAR PRADESH        | 145             | 87.52                           |
| 25        | UTTARAKHAND          | 9               | 6.76                            |
| 26        | WEST BENGAL          | 41              | 16.15                           |
| 27        | QVERSEAS             |                 | 0.79                            |
|           | Grand Total          | 5149            | 1963.44                         |