Lok Sabha Question No. 279 (UNSTARRED), answered on 2019-06-24
Subject: ATM Fraud Cases
Ministry: FINANCE
Asked by: Dharambir Singh

## GOVERNMENT OF INDIA

## MINISTRY OF FINANCE

## DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA

## UNSTARRED QUESTION No. 279

TO BE ANSWERED ON MONDAY, JUNE 24, 2019/ ASHADHA 3, 1941 (SAKA)

## ATM Fraud Cases

## 279. SHRI DHARAMBIR SINGH:

Will the Minister of FINANCE be pleased to state:

(a) whether the Government has taken note of the recent rise in the number of ATM fraud cases in the country;

- (b) if so, the details thereof, State/UT-wise including Haryana;
- (c) whether the Government has taken any concrete steps to check such fraud; and
- (d) if so, the details thereof?

## Answer

## THE FINANCE MINISTER

## (SHRIMATI  NIRMALA SITHARAMAN)

(a)  to  (d)  As  apprised  by  Reserve  Bank  of  India  (RBI),  State/UT-wise  data  on  'ATM/Debit  Card' frauds (Amount involving Rs.1 lakh and above) during the last two years 2017-18 and 2018-19 is Annexed.

In this regard, RBI has also issued circulars/ guidelines from time to time, for preventing bank frauds and suitably protecting the interest of the customers which inter-alia includes:

1. Banks  have  been  directed  to  examine  the  fraud  cases  and  report  them  to  law  enforcement agencies, examine  staff accountability, complete proceedings against the erring staff expeditiously,  take  steps  to  recover  the  amount  involved  in  the  fraud,  claim  insurance wherever applicable and streamline the system as also the procedures so that frauds do not recur.
2. The customers will have zero liability in case of unauthorised transactions occurring due to contributory  fraud  /  negligence  /  deficiency  on  the  part  of  the  bank  and  due  to  third  party breach,  provided,  they  notify  the  bank  regarding  the  unauthorised  transactions  within  three working days of receiving the communication from the bank regarding this transaction.
3. Banks to provide customers with 24x7 access through multiple channels (at a minimum via website,   phone  banking,  SMS,  e-mail  ,  IVR  ,  a  dedicated  toll-free   helpline,   reporting  to

home branch, etc.) for reporting unauthorised transactions that have taken place and/ or loss or theft of payment instrument, such as, card, etc.

4. RBI is running the awareness campaign under the banner of 'RBI Kehta Hai' on safe digital banking  which inter-alia include:
2.  Not to share password/pin/OTP received through SMS.
3.  Act swiftly on alerts received on transactions, which customer have not initiated or not authorized.
4.  Practicing  safe  mobile  banking,  such  as,  awareness  on  benefits  of  registering  mobile number with bank for instant alerts.
5.  Not storing important banking data in mobile.
6.  Use only verified, secure and trusted website.
7.  Avoid banking transactions on free networks,
8.  Change PIN regularly.
9.  Blocking ATM card, Credit Card and prepaid card immediately if it is lost or stolen.

*****

## Annexure as referred in the part (b) to the Lok Sabha Unstarred Question No. 279 to be answered on 24.6.2019 regarding "ATM Fraud Cases"

State-wise data on frauds reported under "ATM/Debit Card" by Scheduled Commercial Banks and selected FIs based on Date of Reporting (amount involving Rs. 1 lakh and above)

| State                     | 2017-18      | 2017-18                        | 2018-19      | 2018-19                        |
|---------------------------|--------------|--------------------------------|--------------|--------------------------------|
|                           | No.of Frauds | Amount involved (Rs. In Crore) | No.of Frauds | Amount involved (Rs. In Crore) |
| Andaman & Nicobar Islands | 0            | 0                              | 4            | 0.09                           |
| Andhra Pradesh            | 3            | 0.13                           | 6            | 0.13                           |
| Arunachal Pradesh         | 2            | 0.08                           | 0            | 0                              |
| Assam                     | 68           | 1.37                           | 20           | 0.49                           |
| Bihar                     | 5            | 0.13                           | 15           | 0.25                           |
| Chandigarh                | 3            | 0.04                           | 7            | 0.1                            |
| Chhattisgarh              | 2            | 0.04                           | 4            | 0.12                           |
| Goa                       | 2            | 0.04                           | 9            | 0.24                           |
| Gujarat                   | 16           | 7.45                           | 25           | 0.39                           |
| Haryana                   | 45           | 0.67                           | 58           | 1.13                           |
| HIMACHAL PRADESH          | 2            | 0.03                           | 1            | 0.01                           |
| Jammu & Kashmir           | 6            | 0.19                           | 1            | 0.03                           |
| JHARKHAND                 | 2            | 0.03                           | 13           | 0.33                           |
| KARNATAKA                 | 80           | 5.68                           | 65           | 1.35                           |
| Kerala                    | 10           | 0.15                           | 15           | 0.4                            |
| MADHYA PRADESH            | 10           | 0.49                           | 10           | 0.15                           |
| Maharashtra               | 242          | 5.19                           | 233          | 4.81                           |
| MANIPUR                   | 0            | 0                              | 2            | 0.05                           |
| Meghalaya                 | 1            | 0.02                           | 2            | 0.03                           |
| Nagaland                  | 2            | 0.03                           | 1            | 0.01                           |
| NCT of Delhi              | 132          | 2.81                           | 179          | 2.87                           |
| Odisha                    | 4            | 0.12                           | 13           | 0.27                           |
| Puducherry                | 1            | 0.02                           | 1            | 0.03                           |
| Punjab                    | 23           | 0.46                           | 17           | 0.37                           |
| Rajasthan                 | 12           | 0.21                           | 20           | 0.82                           |
| Sikkim                    | 0            | 0                              | 0            | 0                              |
| Tamil Nadu                | 131          | 37.55                          | 147          | 3.63                           |
| TELANGANA                 | 31           | 0.71                           | 21           | 0.61                           |
| Tripura                   | 1            | 0.02                           | 0            | 0                              |
| UTTAR PRADESH             | 37           | 0.84                           | 54           | 1.21                           |
| UTTARAKHAND               | 10           | 0.15                           | 11           | 0.18                           |
| West Bengal               | 20           | 0.5                            | 21           | 0.98                           |
| Overseas                  | 8            | 0.13                           | 5            | 0.26                           |
| Grand Total               | 911          | 65.26                          | 980          | 21.36                          |

Source:RBI