Lok Sabha Question No. 1661 (UNSTARRED), answered on 2018-07-27
Subject: Fraudulent e-Transactions
Ministry: FINANCE
Asked by: NISHIKANT  DUBEY, RAVINDRA KUMAR PANDEY

## GOVT. OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

LOK SABHA UNSTARRED QUESTION No 1661

TO BE ANSWERED ON THE 27 th  JULY, 2018 (FRIDAY) / SHRAVANA 5, 1940 (SAKA)

## 'Fraudulent e-Transactions'

## 1661. SHRI NISHIKANT DUBEY: SHRI RAVINDRA KUMAR PANDEY:

Will the Minister of FINANCE be pleased to state:

(a)  whether  cyber  crimes  pertaining  to  fraudulent  e-transactions  in  public  and  private sector banks have registered an increase in the recent years; and

(b)  if  so,  the  details  thereof  in  each  of  the  last  three  years  and  the  current  year, Bank/State/UT-wise including Jharkhand?

## ANSWER

## (MINISTER OF STATE IN THE MINISTRY OF FINANCE)

## (SHRI SHIV PRATAP SHUKLA)

(a)  &  (b):  As  per  RBI,  details  of  fraudulent  e-transactions  where  the  amount  involved  is Rs. 1 lakh and above Bank-wise and State-wise including Jharkhand, during last three years FY 2015-16, FY 2016-17, FY 2017-18 and quarter up to June 2018  is given in Annexure-1 & Annexure-2, respectively.

*****

Source: RBI.

## Annexure-1 to LSUSQ-1661

| Bank Name                                           | Cards &Internet Banking for last three 2015-16   | Cards &Internet Banking for last three 2015-16   | years-Bank-wise. 2016-17   | years-Bank-wise. 2016-17   | 2017-18       | 2017-18                 | 1.00 Lakh) reported April 2018 to June   | 1.00 Lakh) reported April 2018 to June   |
|-----------------------------------------------------|--------------------------------------------------|--------------------------------------------------|----------------------------|----------------------------|---------------|-------------------------|------------------------------------------|------------------------------------------|
|                                                     | No. of Frauds                                    | Amount involved in Lakh                          | No. of Frauds              | Amount involved in Lakh    | No. of Frauds | Amount involved in Lakh | No. of Frauds                            | 2018 Amount involved in Lakh             |
| American Express Banking Corp.                      | 154                                              | 575.86                                           | 164                        | 552.46                     | 349           | 1175.62                 | 51                                       | 117.3                                    |
| AUSmall Finance Bank                                |                                                  |                                                  |                            |                            |               |                         | 1                                        | 3.53                                     |
| Andhra Bank                                         | 0                                                | 0                                                | 1                          | 5.36                       |               |                         |                                          |                                          |
| Axis Bank Ltd.                                      | 86                                               | 603.63                                           | 64                         | 381.25                     | 73            | 238.44                  | 17                                       | 24.84                                    |
| Bank of America                                     |                                                  |                                                  |                            |                            | 16            | 35.23                   | 4                                        | 8.48                                     |
| Bank of Baroda                                      | 13                                               | 61.77                                            | 4                          | 103.02                     | 3             | 16.76                   |                                          |                                          |
| Bank of India                                       | 4                                                | 37.1                                             | 1                          | 2.11                       | 2             | 9.03                    | 2                                        | 41.02                                    |
| Bank of Maharashtra                                 | 1                                                | 3.57                                             | 1                          | 1.65                       |               |                         |                                          |                                          |
| Bharatiya Mahila Bank Ltd.                          | 0                                                | 0                                                | 1                          | 1.17                       |               |                         |                                          |                                          |
| Canara Bank                                         | 1                                                | 1.12                                             | 1                          | 453.66                     | 3             | 31.8                    | 4                                        | 94.82                                    |
| Central Bank of India                               | 11                                               | 64.31                                            | 3                          | 6.09                       | 8             | 297.79                  | 6                                        | 9.16                                     |
| Citibank N.A.                                       | 106                                              | 253.62                                           | 161                        | 419.68                     | 203           | 1149.15                 | 40                                       | 125.54                                   |
| City Union Bank                                     |                                                  |                                                  |                            |                            | 1             | 3155.92                 |                                          |                                          |
| Corporation Bank                                    | 8                                                | 57.98                                            | 21                         | 32.68                      | 1             | 1                       | 1                                        | 2                                        |
| DBS Bank                                            |                                                  |                                                  |                            | 1                          | 2             |                         | 1                                        | 1                                        |
| Dena Bank Deutsche Bank ( Asia )                    | 0 1                                              | 0 1.5                                            | 1                          |                            | 5             | 4.98 9.56               | 4                                        | 4.3                                      |
| Dhanlaxmi Bank Limited                              | 0                                                | 0                                                |                            |                            |               |                         |                                          |                                          |
| Development Credit Bank                             |                                                  |                                                  |                            |                            | 1             | 2.82                    |                                          |                                          |
| ESAF Small Finance Bank                             | 0                                                | 0                                                | 2                          | 27.44                      | 10            | 192.49                  | 1                                        | 2.79                                     |
| Federal Bank Ltd. Fincare Small Finance Bank        |                                                  |                                                  |                            |                            |               |                         | 6                                        | 9.97                                     |
| FIRSTRAND BANK HDFC Bank Ltd.                       | 0                                                | 0                                                | 1                          | 1.67                       | 159           |                         |                                          |                                          |
|                                                     | 164                                              | 350.61                                           | 140                        | 254.66                     |               | 500.51                  | 31                                       | 88.42                                    |
| Hongkong &Shanghai Banking Corporation Ltd.         | 35                                               | 81.03                                            | 48                         | 99.13                      | 272           | 508.08                  | 61                                       | 106.97                                   |
| ICICI Bank Ltd.                                     | 340                                              | 921.51                                           | 273                        | 784.23                     | 393           | 826.40                  | 29                                       | 56.32                                    |
| IDBI Bank Limited                                   | 52                                               | 77.73                                            | 30                         | 56.28                      | 39            | 250.16                  | 3                                        | 4.41                                     |
| IDFC Ltd                                            | 3                                                | 6.96                                             | 28                         | 106.85                     | 1             | 1.98                    | 3                                        | 3.76                                     |
| Indian Bank Indian Overseas Bank IndusInd Bank Ltd. | 0                                                | 0                                                |                            |                            | 7             | 29.76                   |                                          |                                          |
|                                                     | 4                                                | 47.08                                            | 3                          | 33.1                       | 14            | 160.82                  | 5                                        | 24.25                                    |
| Jammu &Kashmir Bank Ltd.                            | 0                                                | 0                                                | 1                          | 9.4                        |               |                         |                                          |                                          |
| Karnataka Bank Ltd.                                 |                                                  |                                                  |                            |                            | 2             | 24.24                   | 1                                        | 1.6                                      |
| Karur Vysya Bank Ltd.                               | 0 0                                              | 0 0                                              | 2                          | 13.26 1.28                 |               |                         |                                          |                                          |
| Korea Exchange Bank                                 | 0                                                | 0                                                | 1                          |                            |               |                         |                                          |                                          |
| Kotak Mahindra Bank Ltd.                            | 42                                               | 416.56                                           | 75                         | 143.4 1.06                 | 239           | 506.93                  | 88                                       | 170.27                                   |
| Lakshmi Vilas Bank Ltd. Oriental Bank of Commerce   | 1                                                | 2.4                                              | 1                          |                            | 2             | 355.15                  |                                          | 1559.42                                  |
| Punjab National Bank                                | 5 3                                              | 9.34                                             | 1                          | 6.13                       | 4             | 6.56                    | 2                                        |                                          |
| RBL Bank Ltd.                                       | 6                                                | 10.16                                            |                            | 19.37                      | 13            |                         |                                          | 4.88                                     |
| Shinhan Bank                                        | 1                                                | 39.74                                            | 8 1                        | 1                          |               | 220.4                   | 2                                        |                                          |
| South Indian Bank                                   | 0                                                | 1.46 0                                           |                            | 4.01                       | 1             | 2.23                    | 1                                        | 1.21                                     |
| Ltd. Standard Chartered Bank                        | 122                                              |                                                  | 1                          | 590.73                     | 80            | 158.2                   |                                          | 23.31                                    |
| State Bank of India                                 | 5                                                | 269.88                                           | 314 6                      | 119.16                     | 574           |                         | 18 270                                   | 911.44                                   |
| State Bank of Travancore                            | 0                                                | 20.13 0                                          | 2                          | 9.16                       |               | 5029.72                 |                                          |                                          |
| Syndicate Bank                                      | 9                                                |                                                  | 1                          | 1.58                       | 1             | 30                      | 1                                        | 2.2                                      |
| Tamilnad Mercantile Bank                            | 1                                                | 34.85                                            |                            |                            |               |                         |                                          |                                          |
| Ltd. The Royal Bank of Scotland N.V.                | 7                                                | 29.5 11.04                                       |                            |                            | 1             | 2.52                    |                                          |                                          |
|                                                     |                                                  | 0                                                | 2                          | 5.31                       |               |                         |                                          |                                          |
| UCO Bank Union Bank of India                        | 0                                                |                                                  |                            |                            |               |                         |                                          | 8.7                                      |
| United Bank of India                                | 6                                                | 29.68                                            | 3                          | 25.69                      | 3             | 11.73                   | 4                                        |                                          |
|                                                     |                                                  |                                                  |                            |                            | 4             | 11.03                   |                                          | 18.03                                    |
| Vijaya Bank                                         | 0                                                | 0                                                | 5                          | 44.45                      | 1             | 4.54                    | 1                                        | 6.9                                      |
| Yes Bank Ltd                                        | 0                                                | 0                                                |                            |                            | 1             | 1                       | 3                                        |                                          |
| Grand Total                                         | 1191                                             | 4020.12                                          | 1372                       | 4318.48                    | 2488          | 14962.6                 | 661                                      | 3436.84                                  |

| State             | reported 2015-16   | reported 2015-16            | 2016-17       | 2016-17                     | 2017-18 No. of   | 2017-18 No. of          | April 2018 2018   | April 2018 2018         |
|-------------------|--------------------|-----------------------------|---------------|-----------------------------|------------------|-------------------------|-------------------|-------------------------|
| State             | No. of Frauds      | Amount Involved in Lakhs Rs | No. of Frauds | Amount Involved in Lakhs Rs | Frauds           | Amount involved in Lakh | No. of Frauds     | Amount involved in Lakh |
| Andhra Pradesh    | 35                 | 173.26                      | 31            | 64.17                       | 8                | 51.27                   | 3                 | 12.69                   |
| Arunachal Pradesh |                    |                             |               |                             | 10               | 48.84                   |                   |                         |
| Assam             | 1                  | 5.98                        | 3             | 16.06                       | 166              | 754.92                  | 28                | 68.92                   |
| Bihar             | 4                  | 16.46                       | 4             | 6.5                         | 6                | 28.6                    |                   |                         |
| Chandigarh        | 3                  | 16.19                       | 7             | 18.88                       | 9                | 27.97                   | 8                 | 16.96                   |
| Chhattisgarh      | 4                  | 20.78                       | 1             | 1.33                        | 4                | 16.38                   | 2                 | 7.68                    |
| Goa               | 8                  | 62.94                       |               |                             | 2                | 3.54                    | 3                 | 4.4                     |
| Gujarat           | 26                 | 70.83                       | 16            | 53.32                       | 24               | 3010.78                 | 12                | 18.39                   |
| Haryana           | 194                | 684.93                      | 238           | 827.65                      | 419              | 1306.04                 | 90                | 190.73                  |
| Himachal Pradesh  | 1                  | 1.1                         | 1             | 1.5                         | 21               | 52.74                   | 9                 | 22.68                   |
| Jammu &Kashmir    | 0                  | 0                           | 1             | 9.4                         | 34               | 99.48                   | 1                 | 10.28                   |
| Jharkhand         | 2                  | 2.95                        | 9             | 12.05                       | 5                | 7.19                    | 6                 | 27.32                   |
| Karnataka         | 179                | 477.28                      | 221           | 968.88                      | 160              | 769.56                  | 33                | 95.7                    |
| Kerala            | 2                  | 2.5                         | 9             | 45.92                       | 23               | 60.28                   | 13                | 40.44                   |
| Madhya Pradesh    | 5                  | 12.14                       | 4             | 9.68                        | 22               | 137.35                  | 4                 | 11.32                   |
| Maharashtra       | 368                | 1589.63                     | 379           | 1209.88                     | 784              | 2133.071                | 234               | 600.39                  |
| MANIPUR           |                    |                             |               |                             |                  |                         | 4                 | 22.36                   |
| Meghalaya         |                    |                             |               |                             | 4                | 11.44                   | 1                 | 7.8                     |
| MIZORAM           |                    |                             |               |                             |                  |                         | 1                 | 1.6                     |
| Nagaland          |                    |                             |               |                             | 4                | 9.55                    | 2                 | 8.84                    |
| Delhi             | 74                 | 226.33                      | 156           | 349.64                      | 257              | 1158.25                 | 87                | 271.81                  |
| Odisha            | 6                  | 7.67                        | 1             | 6.13                        | 15               | 57.41                   | 2                 | 7.16                    |
| Pondicherry       | 1                  | 2.54                        | 2             | 4.52                        | 1                | 1.81                    | 1                 | 3.39                    |
| Punjab            | 3                  | 12.52                       | 3             | 26.69                       | 42               | 128.64                  | 11                | 32.5                    |
| Rajasthan         | 4                  | 8.54                        | 10            | 16.35                       | 19               | 101.01                  | 3                 | 10.17                   |
| Sikkim            | 0                  | 0                           |               |                             |                  |                         |                   |                         |
| Tamil Nadu        | 201                | 373.23                      | 208           | 438.54                      | 222              | 4085.31                 | 39                | 148.78                  |
| Telangana         |                    |                             |               |                             | 55               | 336.36                  | 11                | 28.45                   |
| Tripura           |                    |                             |               |                             | 5                | 15.16                   |                   |                         |
| Uttar Pradesh     | 39                 | 93.24                       | 37            | 104.3                       | 75               | 231.02                  | 32                | 145.16                  |
| Uttarakhand       | 3                  | 26.1                        | 5             | 13.31                       | 52               | 139.47                  | 12                | 31.28                   |
| West Bengal       | 15                 | 62.12                       | 19            | 66.6                        | 29               | 128.16                  | 6                 | 1581.64                 |
| Others            | 13                 | 70.86                       | 7             | 47.18                       | 11               | 50.95                   | 3                 | 8                       |
| Grand Total       | 1191               | 4020.12                     | 1372          | 4318.48                     | 2488             | 14962.55                | 661               | 3436.84                 |

Source: RBI.