Lok Sabha Question No. 138 (UNSTARRED), answered on 2019-11-18
Subject: Robberies from Bank ATMs
Ministry: FINANCE
Asked by: Shrirang Appa Barne, Vinayak Bhaurao Raut, DNV Senthilkumar. S.

## GOVERNMENT OF INDIA MINISTRY OF FINANCE

## DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UNSTARRED QUESTION No. 138

Answered on 18 th November, 2019 (Monday) /Kartika 27, 1941 (Saka)

'Robberies from Bank ATMs'

138. SHRI SHRIRANG APPA BARNE: SHRI VINAYAK RAUT:

DR. DNV SENTHILKUMAR S.:

Will the Minister of FINANCE be pleased to state:

(a) whether there has been an increase in the incidents of robberies from Bank ATMs in various parts of the country especially in Maharashtra during each of the last three years and the current year;

(b) if so, the details thereof and the reasons therefor;

(c) the details of number of cases involving fraudulent withdrawal of money from various banks through ATMs during the said period, State/UT-wise and Bankwise;

(d) whether the Government has formulated any policy to check such frauds and prevent it before taking place and if so, the details thereof and if not, the reasons therefor; and

(e) the action taken by the Government to strengthen the security in the Bank ATMs to prevent such incidents in this regard?

## Answer

## The MINISTER OF STATE IN THE MINISTRY OF FINANCE

(SHRI ANURAG SINGH THAKUR)

(a) & (b) As apprised by Reserve Bank of India (RBI), data on incidents of robbery, dacoity, burglary and theft in ATMs for the last two financial years and the current financial year up to the quarter ending September 30, 2019 is at Annex-1 . The above data is available from April 01, 2017.

(c) As informed by Reserve Bank of India (RBI), State-wise and bank-wise data on frauds involving Card/Internet - ATM/Debit Cards based on date of reporting for the last 3 financial years and current financial year up to the quarter ending September 30, 2019 (amount involved ₹ 1 lakh and above) are at Annex -2 and Annex-3 respectively.

(d) & (e) RBI Master Circular on 'Frauds-Classification and Reporting', dated 1.7.2015, advises banks 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.

As per RBI's circular on 'Customer Protection - Limiting Liability of Customers in Unauthorised Electronic Banking Transactions' dated 6.7.2017, in case of unauthorised transactions occurring due to contributory fraud / negligence / deficiency on the part of the bank and due to third party breach with customer notifying the bank within three working days of receiving communication from the bank regarding the unauthorised transaction, the customer is entitled to zero liability.

RBI, circular dated 21.6.2018 on 'Control measures for ATMs - Timeline for compliance', advises banks to initiate immediate action to implement the control measures for ATM, including up-gradation of software in a time bound manner and to closely monitor the compliance.

Further, RBI, vide its circular dated 27.8.2015 on 'Security and Risk Mitigation Measures for Card Present and Electronic Payment Transactions - Issuance of EMV Chip and PIN Cards', has advised banks to ensure that by December 31, 2018 all active cards issued by them are EMV Chip and Pin-based.

Moreover, RBI circular dated 6.7.2017, advises 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.

*****

| Annex-1                                                                                                                                                     | Annex-1                                                                                                                                                     | Annex-1                                                                                                                                                     | Annex-1                                                                                                                                                     |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Annexure as referred in the part (a) &(b) to the Lok Sabha Unstarred Question No. 138 to be answered on 18.11.2019 regarding '' Robberies from Bank ATMs '' | Annexure as referred in the part (a) &(b) to the Lok Sabha Unstarred Question No. 138 to be answered on 18.11.2019 regarding '' Robberies from Bank ATMs '' | Annexure as referred in the part (a) &(b) to the Lok Sabha Unstarred Question No. 138 to be answered on 18.11.2019 regarding '' Robberies from Bank ATMs '' | Annexure as referred in the part (a) &(b) to the Lok Sabha Unstarred Question No. 138 to be answered on 18.11.2019 regarding '' Robberies from Bank ATMs '' |
| Data on Robbery, Dacoity, Burglary and Theft Occurred the quarter State                                                                                     | 2017-18                                                                                                                                                     | in ATMs for the last September 30, 2019 2018-19                                                                                                             | and current year 2019-20                                                                                                                                    |
|                                                                                                                                                             | No. of Incidents                                                                                                                                            | No. of Incidents                                                                                                                                            | No. of Incidents                                                                                                                                            |
| Andhra Pradesh                                                                                                                                              | 2                                                                                                                                                           | 8                                                                                                                                                           | 5                                                                                                                                                           |
| Arunachal Pradesh                                                                                                                                           | 0                                                                                                                                                           |                                                                                                                                                             |                                                                                                                                                             |
|                                                                                                                                                             |                                                                                                                                                             | 2                                                                                                                                                           | 0                                                                                                                                                           |
| Assam                                                                                                                                                       | 1                                                                                                                                                           | 2                                                                                                                                                           | 7                                                                                                                                                           |
| Bihar                                                                                                                                                       | 15                                                                                                                                                          | 23                                                                                                                                                          | 7                                                                                                                                                           |
| Chandigarh                                                                                                                                                  | 0                                                                                                                                                           | 2                                                                                                                                                           | 0                                                                                                                                                           |
| Chhattisgarh                                                                                                                                                | 2                                                                                                                                                           | 6                                                                                                                                                           | 9                                                                                                                                                           |
| Goa                                                                                                                                                         | 4                                                                                                                                                           | 3                                                                                                                                                           | 2                                                                                                                                                           |
| Gujarat                                                                                                                                                     | 21                                                                                                                                                          | 28                                                                                                                                                          | 18                                                                                                                                                          |
| Haryana                                                                                                                                                     | 29                                                                                                                                                          | 51                                                                                                                                                          | 28                                                                                                                                                          |
| Himachal Pradesh                                                                                                                                            | 2                                                                                                                                                           | 4                                                                                                                                                           | 1                                                                                                                                                           |
| Jammu &Kashmir                                                                                                                                              | 18                                                                                                                                                          | 7                                                                                                                                                           | 2                                                                                                                                                           |
| Jharkhand                                                                                                                                                   | 4                                                                                                                                                           | 5                                                                                                                                                           | 1                                                                                                                                                           |
| Karnataka                                                                                                                                                   | 14                                                                                                                                                          | 16                                                                                                                                                          | 8                                                                                                                                                           |
| Kerala                                                                                                                                                      | 4                                                                                                                                                           | 8                                                                                                                                                           | 4                                                                                                                                                           |
| Madhya Pradesh                                                                                                                                              | 16                                                                                                                                                          | 41                                                                                                                                                          | 21                                                                                                                                                          |
| Maharashtra                                                                                                                                                 | 27                                                                                                                                                          | 67                                                                                                                                                          | 34                                                                                                                                                          |
| Mizoram                                                                                                                                                     | 1                                                                                                                                                           | 0                                                                                                                                                           | 0                                                                                                                                                           |
| NCT of Delhi                                                                                                                                                | 26                                                                                                                                                          | 39                                                                                                                                                          | 25                                                                                                                                                          |
| Odisha                                                                                                                                                      | 15                                                                                                                                                          | 20                                                                                                                                                          | 5                                                                                                                                                           |
| Puducherry                                                                                                                                                  | 1                                                                                                                                                           | 1                                                                                                                                                           | 0                                                                                                                                                           |
| Punjab                                                                                                                                                      | 26                                                                                                                                                          | 28                                                                                                                                                          | 17                                                                                                                                                          |
| Rajasthan                                                                                                                                                   | 10                                                                                                                                                          | 65                                                                                                                                                          | 19                                                                                                                                                          |
| Tamil Nadu                                                                                                                                                  | 8                                                                                                                                                           | 10                                                                                                                                                          | 3                                                                                                                                                           |
| Telangana                                                                                                                                                   | 14                                                                                                                                                          | 22                                                                                                                                                          | 7                                                                                                                                                           |
| Uttar Pradesh                                                                                                                                               | 21                                                                                                                                                          | 36                                                                                                                                                          | 9                                                                                                                                                           |
| Uttarakhand                                                                                                                                                 | 5                                                                                                                                                           | 3                                                                                                                                                           | 0                                                                                                                                                           |
| West Bengal                                                                                                                                                 | 17                                                                                                                                                          | 18                                                                                                                                                          | 6                                                                                                                                                           |
| Grand Total                                                                                                                                                 | 303                                                                                                                                                         | 515                                                                                                                                                         | 238                                                                                                                                                         |
| Note - The above data is available from 2017-18 onwards only                                                                                                | Note - The above data is available from 2017-18 onwards only                                                                                                | Note - The above data is available from 2017-18 onwards only                                                                                                | Note - The above data is available from 2017-18 onwards only                                                                                                |

Source: Reserve Bank of India (RBI)

|                                                                                                                                                                                                             |                                                                                                                                                                                                             |                                                                                                                                                                                                             |                                                                                                                                                                                                             | Annex-2                                                                                                                                                                                                     |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Annexure as referred in the part (c) to the Lok Sabha Unstarred Question No. 138 to be answered on 18.11.2019 regarding '' Robberies                                                                        | Annexure as referred in the part (c) to the Lok Sabha Unstarred Question No. 138 to be answered on 18.11.2019 regarding '' Robberies                                                                        | Annexure as referred in the part (c) to the Lok Sabha Unstarred Question No. 138 to be answered on 18.11.2019 regarding '' Robberies                                                                        | Annexure as referred in the part (c) to the Lok Sabha Unstarred Question No. 138 to be answered on 18.11.2019 regarding '' Robberies                                                                        | Annexure as referred in the part (c) to the Lok Sabha Unstarred Question No. 138 to be answered on 18.11.2019 regarding '' Robberies                                                                        |
| State-wise data on frauds involving Card/Internet - ATM/Debit Cards based on date of reporting for the last 3 years and current year up to the quarter ending September 30, 2019(Amount Involved >= 1 lakh) | State-wise data on frauds involving Card/Internet - ATM/Debit Cards based on date of reporting for the last 3 years and current year up to the quarter ending September 30, 2019(Amount Involved >= 1 lakh) | State-wise data on frauds involving Card/Internet - ATM/Debit Cards based on date of reporting for the last 3 years and current year up to the quarter ending September 30, 2019(Amount Involved >= 1 lakh) | State-wise data on frauds involving Card/Internet - ATM/Debit Cards based on date of reporting for the last 3 years and current year up to the quarter ending September 30, 2019(Amount Involved >= 1 lakh) | State-wise data on frauds involving Card/Internet - ATM/Debit Cards based on date of reporting for the last 3 years and current year up to the quarter ending September 30, 2019(Amount Involved >= 1 lakh) |
| State                                                                                                                                                                                                       | 2016-17                                                                                                                                                                                                     | 2017-18                                                                                                                                                                                                     | 2018-19                                                                                                                                                                                                     | 2019-20                                                                                                                                                                                                     |
| State                                                                                                                                                                                                       | No.of Frauds                                                                                                                                                                                                | No.of Frauds                                                                                                                                                                                                | No.of Frauds                                                                                                                                                                                                | No.of Frauds                                                                                                                                                                                                |
| Andaman &Nicobar Islands                                                                                                                                                                                    | -                                                                                                                                                                                                           | -                                                                                                                                                                                                           | 4                                                                                                                                                                                                           | 1                                                                                                                                                                                                           |
| Andhra Pradesh                                                                                                                                                                                              | 20                                                                                                                                                                                                          | 3                                                                                                                                                                                                           | 6                                                                                                                                                                                                           | 10                                                                                                                                                                                                          |
| Arunachal Pradesh                                                                                                                                                                                           | -                                                                                                                                                                                                           | 2                                                                                                                                                                                                           | -                                                                                                                                                                                                           | 1                                                                                                                                                                                                           |
| Assam                                                                                                                                                                                                       | 2                                                                                                                                                                                                           | 68                                                                                                                                                                                                          | 20                                                                                                                                                                                                          | 37                                                                                                                                                                                                          |
| Bihar                                                                                                                                                                                                       | 4                                                                                                                                                                                                           | 5                                                                                                                                                                                                           | 15                                                                                                                                                                                                          | 15                                                                                                                                                                                                          |
| Chandigarh                                                                                                                                                                                                  | 6                                                                                                                                                                                                           | 3                                                                                                                                                                                                           | 7                                                                                                                                                                                                           | 4                                                                                                                                                                                                           |
| Chhattisgarh                                                                                                                                                                                                | 1                                                                                                                                                                                                           | 2                                                                                                                                                                                                           | 4                                                                                                                                                                                                           | 6                                                                                                                                                                                                           |
| Goa                                                                                                                                                                                                         | -                                                                                                                                                                                                           | 2                                                                                                                                                                                                           | 9                                                                                                                                                                                                           | 2                                                                                                                                                                                                           |
| Gujarat                                                                                                                                                                                                     | 13                                                                                                                                                                                                          | 16                                                                                                                                                                                                          | 25                                                                                                                                                                                                          | 10                                                                                                                                                                                                          |
| Haryana                                                                                                                                                                                                     | 54                                                                                                                                                                                                          | 45                                                                                                                                                                                                          | 58                                                                                                                                                                                                          | 22                                                                                                                                                                                                          |
| Himachal Pradesh                                                                                                                                                                                            | 1                                                                                                                                                                                                           | 2                                                                                                                                                                                                           | 1                                                                                                                                                                                                           | 5                                                                                                                                                                                                           |
| Jammu &Kashmir                                                                                                                                                                                              | -                                                                                                                                                                                                           | 6                                                                                                                                                                                                           | 1                                                                                                                                                                                                           | -                                                                                                                                                                                                           |
| Jharkhand                                                                                                                                                                                                   | 9                                                                                                                                                                                                           | 2                                                                                                                                                                                                           | 13                                                                                                                                                                                                          | 6                                                                                                                                                                                                           |
| Karnataka                                                                                                                                                                                                   | 94                                                                                                                                                                                                          | 80                                                                                                                                                                                                          | 65                                                                                                                                                                                                          | 67                                                                                                                                                                                                          |
| Kerala                                                                                                                                                                                                      | 8                                                                                                                                                                                                           | 10                                                                                                                                                                                                          | 15                                                                                                                                                                                                          | 21                                                                                                                                                                                                          |
| Madhya Pradesh                                                                                                                                                                                              | 2                                                                                                                                                                                                           | 10                                                                                                                                                                                                          | 10                                                                                                                                                                                                          | 11                                                                                                                                                                                                          |
| Maharashtra                                                                                                                                                                                                 | 223                                                                                                                                                                                                         | 242                                                                                                                                                                                                         | 233                                                                                                                                                                                                         | 101                                                                                                                                                                                                         |
| Manipur                                                                                                                                                                                                     | -                                                                                                                                                                                                           | -                                                                                                                                                                                                           | 2                                                                                                                                                                                                           | -                                                                                                                                                                                                           |
| Meghalaya                                                                                                                                                                                                   | -                                                                                                                                                                                                           | 1                                                                                                                                                                                                           | 2                                                                                                                                                                                                           | 3                                                                                                                                                                                                           |
| Mizoram                                                                                                                                                                                                     | -                                                                                                                                                                                                           | -                                                                                                                                                                                                           | -                                                                                                                                                                                                           | 2                                                                                                                                                                                                           |
| Nagaland                                                                                                                                                                                                    | -                                                                                                                                                                                                           | 2                                                                                                                                                                                                           | 1                                                                                                                                                                                                           | 1                                                                                                                                                                                                           |
| NCT of Delhi                                                                                                                                                                                                | 115                                                                                                                                                                                                         | 132                                                                                                                                                                                                         | 179                                                                                                                                                                                                         | 84                                                                                                                                                                                                          |
| Orissa                                                                                                                                                                                                      | 1                                                                                                                                                                                                           | 4                                                                                                                                                                                                           | 13                                                                                                                                                                                                          | 19                                                                                                                                                                                                          |
| Puducherry                                                                                                                                                                                                  | 2                                                                                                                                                                                                           | 1                                                                                                                                                                                                           | 1                                                                                                                                                                                                           | 1                                                                                                                                                                                                           |
| Punjab                                                                                                                                                                                                      | 2                                                                                                                                                                                                           | 23                                                                                                                                                                                                          | 17                                                                                                                                                                                                          | 10                                                                                                                                                                                                          |
| Rajasthan                                                                                                                                                                                                   | 8                                                                                                                                                                                                           | 12                                                                                                                                                                                                          | 20                                                                                                                                                                                                          | 18                                                                                                                                                                                                          |
| Tamil Nadu                                                                                                                                                                                                  | 102                                                                                                                                                                                                         | 131                                                                                                                                                                                                         | 147                                                                                                                                                                                                         | 50                                                                                                                                                                                                          |
| Telangana                                                                                                                                                                                                   | -                                                                                                                                                                                                           | 31                                                                                                                                                                                                          | 21                                                                                                                                                                                                          | 10                                                                                                                                                                                                          |
| Tripura                                                                                                                                                                                                     | -                                                                                                                                                                                                           | 1                                                                                                                                                                                                           | -                                                                                                                                                                                                           | 1                                                                                                                                                                                                           |
| Uttar Pradesh                                                                                                                                                                                               | 31                                                                                                                                                                                                          | 37                                                                                                                                                                                                          | 54                                                                                                                                                                                                          | 38                                                                                                                                                                                                          |
| Uttarakhand                                                                                                                                                                                                 | 5                                                                                                                                                                                                           | 10                                                                                                                                                                                                          | 11                                                                                                                                                                                                          | 3                                                                                                                                                                                                           |
| West Bengal                                                                                                                                                                                                 | 15                                                                                                                                                                                                          | 20                                                                                                                                                                                                          | 21                                                                                                                                                                                                          | 27                                                                                                                                                                                                          |
| Overseas                                                                                                                                                                                                    | 6                                                                                                                                                                                                           | 8                                                                                                                                                                                                           | 5                                                                                                                                                                                                           | -                                                                                                                                                                                                           |
| Grand Total                                                                                                                                                                                                 | 724                                                                                                                                                                                                         | 911                                                                                                                                                                                                         | 980                                                                                                                                                                                                         | 586                                                                                                                                                                                                         |

Source: Reserve Bank of India (RBI)

Annex-3

Annexure as referred in the part (c) to the Lok Sabha Unstarred Question No. 138 to be answered on 18.11.2019 regarding '' Robberies from Bank ATMs ''

Bank-wise data on frauds involving Card/Internet - ATM/Debit Cards based on date of reporting for the last 3 years and current year up to the quarter ending September 30, 2019 (Amount Involved >= 1 lakh)

|                                          | 2016-17       | 2017-18       | 2018-19       | 2019-20       |
|------------------------------------------|---------------|---------------|---------------|---------------|
| Bank Name                                | No. of Frauds | No. of Frauds | No. of Frauds | No. of Frauds |
| Allahabad Bank                           | -             | -             | 1             | -             |
| Andhra Bank                              | 1             | -             | -             | -             |
| Au Small Finance Bank Limited            | -             | -             | 3             | -             |
| Axis Bank Limited                        | 31            | 53            | 63            | 28            |
| Bandhan Bank Limited                     | -             | -             | 2             | 3             |
| Bank Of Baroda                           | 3             | 3             | 2             | -             |
| Bank Of India                            | -             | 2             | 3             | 1             |
| Bank Of Maharashtra                      | 1             | -             | -             | 1             |
| Bharatiya Mahila Bank Ltd.               | 1             | -             | -             | -             |
| Canara Bank                              | 1             | 3             | 8             | 8             |
| Central Bank Of India                    | 1             | 4             | 29            | 6             |
| Citibank N.A                             | 40            | 51            | 59            | 35            |
| City Union Bank Limited                  | -             | 1             | -             | 3             |
| Corporation Bank                         | 18            | 1             | 8             | 4             |
| Dcb Bank Limited                         | -             | 1             | 4             | 5             |
| Dena Bank                                | 1             | 2             | -             | -             |
| Deutsche Bank Ag                         | -             | 5             | 6             | 2             |
| Esaf Small Finance Bank Limited          | -             | -             | 2             | -             |
| Federal Bank Ltd                         | 2             | 9             | 4             | 14            |
| Fincare Small Finance Bank Limited       | -             | -             | 6             | -             |
| Firstrand Bank Ltd                       | 1             | -             | -             | -             |
| Hdfc Bank Ltd.                           | 52            | 94            | 116           | 37            |
| Hongkong And Shanghai Banking Corpn.Ltd. | 22            | 21            | 51            | 19            |
| Icici Bank Limited                       | 215           | 348           | 107           | 65            |
| Idbi Bank Limited                        | 30            | 23            | 49            | 32            |
| Idfc Bank Limited                        | -             | 1             | 2             | 2             |
| Indian Bank                              | 24            | 4             | 11            | 8             |
| Indusind Bank Ltd                        | -             | 11            | 34            | 18            |
| Karnataka Bank Ltd                       | -             | 2             | 2             | -             |
| Keb Hana Bank                            | 1             | -             | -             | -             |
| Kotak Mahindra Bank Ltd.                 | 44            | 71            | 133           | 57            |
| Lakshmi Vilas Bank Ltd                   | 1             | 2             | 1             | -             |
| Oriental Bank Of Commerce                | -             | -             | 2             | 2             |
| Punjab National Bank                     | 1             | 2             | 2             | -             |
| Rbl Bank Limited                         | 1             | 6             | 5             | 5             |
| South Indian Bank Ltd                    | 1             | 1             | 7             | 8             |
| Standard Chartered Bank                  | 219           | 37            | 28            | 33            |
| State Bank Of India                      | 6             | 144           | 206           | 183           |
| Syndicate Bank                           | -             | -             | 3             | -             |
| Tamilnad Mercantile Bank Ltd             | -             | 1             | 2             | 1             |
| The Royal Bank Of Scotland Plc           | 1             | -             | -             | -             |
| Uco Bank                                 | 2             | -             | 4             | -             |
| Ujjivan S F Bank Limited                 | -             | -             | -             | 1             |
| Union Bank Of India                      | 3             | 3             | 7             | 2             |
| United Bank Of India                     | -             | 3             | 1             | 1             |
| Utkarsh S F Bank Limited                 | -             | -             | 1             | -             |
| Yes Bank Ltd.                            | -             | 1             | 5             | 2             |
| Grand Total                              |               |               |               |               |
|                                          | 724           | 911           | 980           | 586           |

Source: Reserve Bank of India (RBI)