Lok Sabha Question No. 3983 (UNSTARRED), answered on 2020-03-18
Subject: Fraudulent Usage of Credit/Debit Card
Ministry: ELECTRONICS AND INFORMATION TECHNOLOGY
Asked by: Sujay Radhakrishna Vikhepatil, Unmesh Bhaiyyasaheb Patil, Shrikant Eknath Shinde, Hemant Patil, Sambhajirao Mane Dhairyasheel

## GOVERNMENT OF INDIA

## MINISTRY OF ELECTRONICS AND INFORMATION TECHNOLOGY

## LOK SABHA UNSTARRED QUESTION No.

## 3983

TO BE ANSWERED ON: 18.03.2020

## FRAUDULENT USAGE OF CREDIT / DEBIT CARD

## 3983 DR. SUJAY RADHAKRISHNA VIKHE PATIL:  SHRI UNMESH BHAIYYASAHEB PATIL: DR. SHRIKANT EKNATH SHINDE:  SHRI HEMANT SRIRAM PATIL: SHRI DHAIRYASHEEL SAMBHAJIRAO MANE:

Will the Minister of Electronics and Information Technology be pleased to state:

- (a)   the number of reported case of fraudulent usage of debit/credit cards of people by pilferage of their passwords/OTP/pin code during the last three years, State/UT-wise;
- (b)   the steps taken by the Government in this regard; and
- (c)  the steps taken/to be taken by the Government to create awareness as well as further strengthen the security system to ensure maximum internet security to the people?

## ANSWER

## MINISTER OF STATE FOR ELECTRONICS AND INFORMATION TECHNOLOGY (SHRI SANJAY DHOTRE)

- (a): As per the information received from Reserve Bank of India, the  number of cases reported of fraudulent usage of debit/credit cards of people across various states and UTs have been mentioned in Annexure-I.
- (b)  and  (c): Government  of  India  has  taken  several  steps,  that  are  mentioned  in  Annexure-II    to  create  awareness  and strengthen cyber security.  Further, steps taken by Reserve Bank of India (RBI) for digital payments security and awareness are mentioned in Annexure-III.

## Annexure-I

| State-wise data on frauds reported by SCBs and FIs on the category ''Card/Internet - ATM/Debit Cards, Credit Cards and Internet Banking' for the last 3 Financial Years and period up to the quarter ended December 2019 of current Financial Year based on Reporting ( Rs. in cr.)   | State-wise data on frauds reported by SCBs and FIs on the category ''Card/Internet - ATM/Debit Cards, Credit Cards and Internet Banking' for the last 3 Financial Years and period up to the quarter ended December 2019 of current Financial Year based on Reporting ( Rs. in cr.)   | State-wise data on frauds reported by SCBs and FIs on the category ''Card/Internet - ATM/Debit Cards, Credit Cards and Internet Banking' for the last 3 Financial Years and period up to the quarter ended December 2019 of current Financial Year based on Reporting ( Rs. in cr.)   | State-wise data on frauds reported by SCBs and FIs on the category ''Card/Internet - ATM/Debit Cards, Credit Cards and Internet Banking' for the last 3 Financial Years and period up to the quarter ended December 2019 of current Financial Year based on Reporting ( Rs. in cr.)   | State-wise data on frauds reported by SCBs and FIs on the category ''Card/Internet - ATM/Debit Cards, Credit Cards and Internet Banking' for the last 3 Financial Years and period up to the quarter ended December 2019 of current Financial Year based on Reporting ( Rs. in cr.)   | State-wise data on frauds reported by SCBs and FIs on the category ''Card/Internet - ATM/Debit Cards, Credit Cards and Internet Banking' for the last 3 Financial Years and period up to the quarter ended December 2019 of current Financial Year based on Reporting ( Rs. in cr.)   | State-wise data on frauds reported by SCBs and FIs on the category ''Card/Internet - ATM/Debit Cards, Credit Cards and Internet Banking' for the last 3 Financial Years and period up to the quarter ended December 2019 of current Financial Year based on Reporting ( Rs. in cr.)   | State-wise data on frauds reported by SCBs and FIs on the category ''Card/Internet - ATM/Debit Cards, Credit Cards and Internet Banking' for the last 3 Financial Years and period up to the quarter ended December 2019 of current Financial Year based on Reporting ( Rs. in cr.)   | State-wise data on frauds reported by SCBs and FIs on the category ''Card/Internet - ATM/Debit Cards, Credit Cards and Internet Banking' for the last 3 Financial Years and period up to the quarter ended December 2019 of current Financial Year based on Reporting ( Rs. in cr.)   |
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                                                                                                                                                                                                                       | 2016-17                                                                                                                                                                                                                                                                               | 2016-17                                                                                                                                                                                                                                                                               | 2017-18                                                                                                                                                                                                                                                                               | 2017-18                                                                                                                                                                                                                                                                               | 2018-19                                                                                                                                                                                                                                                                               | 2018-19                                                                                                                                                                                                                                                                               | 2019-20                                                                                                                                                                                                                                                                               | 2019-20                                                                                                                                                                                                                                                                               |
| Name of State                                                                                                                                                                                                                                                                         | No. of frauds                                                                                                                                                                                                                                                                         | Amt. involved                                                                                                                                                                                                                                                                         | No. of frauds                                                                                                                                                                                                                                                                         | Amt. involved                                                                                                                                                                                                                                                                         | No. of frauds                                                                                                                                                                                                                                                                         | Amt. involved                                                                                                                                                                                                                                                                         | No. of frauds                                                                                                                                                                                                                                                                         | Amt. involved                                                                                                                                                                                                                                                                         |
| Andaman &Nicobar Islands                                                                                                                                                                                                                                                              |                                                                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                                                                       | 10                                                                                                                                                                                                                                                                                    | 0.12                                                                                                                                                                                                                                                                                  | 20                                                                                                                                                                                                                                                                                    | 0.09                                                                                                                                                                                                                                                                                  |
| Andhra Pradesh                                                                                                                                                                                                                                                                        | 31                                                                                                                                                                                                                                                                                    | 0.64                                                                                                                                                                                                                                                                                  | 72                                                                                                                                                                                                                                                                                    | 0.27                                                                                                                                                                                                                                                                                  | 181                                                                                                                                                                                                                                                                                   | 0.36                                                                                                                                                                                                                                                                                  | 465                                                                                                                                                                                                                                                                                   | 1.85                                                                                                                                                                                                                                                                                  |
| Arunachal Pradesh                                                                                                                                                                                                                                                                     |                                                                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                                                                       | 11                                                                                                                                                                                                                                                                                    | 0.12                                                                                                                                                                                                                                                                                  | 1                                                                                                                                                                                                                                                                                     | 0.01                                                                                                                                                                                                                                                                                  | 6                                                                                                                                                                                                                                                                                     | 0.05                                                                                                                                                                                                                                                                                  |
| Assam                                                                                                                                                                                                                                                                                 | 3                                                                                                                                                                                                                                                                                     | 0.11                                                                                                                                                                                                                                                                                  | 218                                                                                                                                                                                                                                                                                   | 2.03                                                                                                                                                                                                                                                                                  | 87                                                                                                                                                                                                                                                                                    | 0.85                                                                                                                                                                                                                                                                                  | 423                                                                                                                                                                                                                                                                                   | 2.58                                                                                                                                                                                                                                                                                  |
| Bihar                                                                                                                                                                                                                                                                                 | 4                                                                                                                                                                                                                                                                                     | 0.07                                                                                                                                                                                                                                                                                  | 50                                                                                                                                                                                                                                                                                    | 0.24                                                                                                                                                                                                                                                                                  | 151                                                                                                                                                                                                                                                                                   | 0.61                                                                                                                                                                                                                                                                                  | 260                                                                                                                                                                                                                                                                                   | 1.02                                                                                                                                                                                                                                                                                  |
| Chandigarh                                                                                                                                                                                                                                                                            | 7                                                                                                                                                                                                                                                                                     | 0.19                                                                                                                                                                                                                                                                                  | 90                                                                                                                                                                                                                                                                                    | 0.27                                                                                                                                                                                                                                                                                  | 111                                                                                                                                                                                                                                                                                   | 0.37                                                                                                                                                                                                                                                                                  | 146                                                                                                                                                                                                                                                                                   | 66.67                                                                                                                                                                                                                                                                                 |
| Chhattisgarh                                                                                                                                                                                                                                                                          | 1                                                                                                                                                                                                                                                                                     | 0.01                                                                                                                                                                                                                                                                                  | 46                                                                                                                                                                                                                                                                                    | 0.22                                                                                                                                                                                                                                                                                  | 106                                                                                                                                                                                                                                                                                   | 0.41                                                                                                                                                                                                                                                                                  | 164                                                                                                                                                                                                                                                                                   | 0.57                                                                                                                                                                                                                                                                                  |
| Dadra &Nagar Haveli                                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                                                                       | 10                                                                                                                                                                                                                                                                                    | 0.01                                                                                                                                                                                                                                                                                  | 16                                                                                                                                                                                                                                                                                    | 0.02                                                                                                                                                                                                                                                                                  | 21                                                                                                                                                                                                                                                                                    | 0.03                                                                                                                                                                                                                                                                                  |
| Daman &Diu                                                                                                                                                                                                                                                                            |                                                                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                                                                       | 20                                                                                                                                                                                                                                                                                    | 0.04                                                                                                                                                                                                                                                                                  |
| Goa                                                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                                                                       | 18                                                                                                                                                                                                                                                                                    | 0.08                                                                                                                                                                                                                                                                                  | 114                                                                                                                                                                                                                                                                                   | 0.57                                                                                                                                                                                                                                                                                  | 176                                                                                                                                                                                                                                                                                   | 0.44                                                                                                                                                                                                                                                                                  |
| Gujarat                                                                                                                                                                                                                                                                               | 16                                                                                                                                                                                                                                                                                    | 0.53                                                                                                                                                                                                                                                                                  | 563                                                                                                                                                                                                                                                                                   | 9.41                                                                                                                                                                                                                                                                                  | 1135                                                                                                                                                                                                                                                                                  | 2.23                                                                                                                                                                                                                                                                                  | 1788                                                                                                                                                                                                                                                                                  | 4.79                                                                                                                                                                                                                                                                                  |
| Haryana                                                                                                                                                                                                                                                                               | 238                                                                                                                                                                                                                                                                                   | 8.28                                                                                                                                                                                                                                                                                  | 8444                                                                                                                                                                                                                                                                                  | 24.05                                                                                                                                                                                                                                                                                 | 8983                                                                                                                                                                                                                                                                                  | 21.20                                                                                                                                                                                                                                                                                 | 5083                                                                                                                                                                                                                                                                                  | 17.52                                                                                                                                                                                                                                                                                 |
| Himachal Pradesh                                                                                                                                                                                                                                                                      | 1                                                                                                                                                                                                                                                                                     | 0.02                                                                                                                                                                                                                                                                                  | 26                                                                                                                                                                                                                                                                                    | 0.16                                                                                                                                                                                                                                                                                  | 47                                                                                                                                                                                                                                                                                    | 0.17                                                                                                                                                                                                                                                                                  | 125                                                                                                                                                                                                                                                                                   | 0.58                                                                                                                                                                                                                                                                                  |
| Jammu &Kashmir                                                                                                                                                                                                                                                                        | 1                                                                                                                                                                                                                                                                                     | 0.09                                                                                                                                                                                                                                                                                  | 53                                                                                                                                                                                                                                                                                    | 0.38                                                                                                                                                                                                                                                                                  | 27                                                                                                                                                                                                                                                                                    | 0.07                                                                                                                                                                                                                                                                                  | 71                                                                                                                                                                                                                                                                                    | 0.20                                                                                                                                                                                                                                                                                  |
| Jharkhand                                                                                                                                                                                                                                                                             | 9                                                                                                                                                                                                                                                                                     | 0.12                                                                                                                                                                                                                                                                                  | 40                                                                                                                                                                                                                                                                                    | 0.15                                                                                                                                                                                                                                                                                  | 109                                                                                                                                                                                                                                                                                   | 0.61                                                                                                                                                                                                                                                                                  | 155                                                                                                                                                                                                                                                                                   | 0.53                                                                                                                                                                                                                                                                                  |
| Karnataka                                                                                                                                                                                                                                                                             | 221                                                                                                                                                                                                                                                                                   | 9.16                                                                                                                                                                                                                                                                                  | 1573                                                                                                                                                                                                                                                                                  | 10.59                                                                                                                                                                                                                                                                                 | 1886                                                                                                                                                                                                                                                                                  | 5.17                                                                                                                                                                                                                                                                                  | 2845                                                                                                                                                                                                                                                                                  | 17.57                                                                                                                                                                                                                                                                                 |
| Kerala                                                                                                                                                                                                                                                                                | 9                                                                                                                                                                                                                                                                                     | 0.46                                                                                                                                                                                                                                                                                  | 120                                                                                                                                                                                                                                                                                   | 0.64                                                                                                                                                                                                                                                                                  | 212                                                                                                                                                                                                                                                                                   | 1.46                                                                                                                                                                                                                                                                                  | 745                                                                                                                                                                                                                                                                                   | 3.75                                                                                                                                                                                                                                                                                  |
| Madhya Pradesh                                                                                                                                                                                                                                                                        | 4                                                                                                                                                                                                                                                                                     | 0.10                                                                                                                                                                                                                                                                                  | 104                                                                                                                                                                                                                                                                                   | 0.83                                                                                                                                                                                                                                                                                  | 212                                                                                                                                                                                                                                                                                   | 0.62                                                                                                                                                                                                                                                                                  | 515                                                                                                                                                                                                                                                                                   | 1.72                                                                                                                                                                                                                                                                                  |
| Maharashtra                                                                                                                                                                                                                                                                           | 379                                                                                                                                                                                                                                                                                   | 12.10                                                                                                                                                                                                                                                                                 | 15629                                                                                                                                                                                                                                                                                 | 43.44                                                                                                                                                                                                                                                                                 | 21673                                                                                                                                                                                                                                                                                 | 42.35                                                                                                                                                                                                                                                                                 | 21897                                                                                                                                                                                                                                                                                 | 44.99                                                                                                                                                                                                                                                                                 |
| Manipur                                                                                                                                                                                                                                                                               |                                                                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                                                                       | 1                                                                                                                                                                                                                                                                                     | 0.00                                                                                                                                                                                                                                                                                  | 8                                                                                                                                                                                                                                                                                     | 0.07                                                                                                                                                                                                                                                                                  | 5                                                                                                                                                                                                                                                                                     | 0.02                                                                                                                                                                                                                                                                                  |
| Meghalaya                                                                                                                                                                                                                                                                             |                                                                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                                                                       | 8                                                                                                                                                                                                                                                                                     | 0.03                                                                                                                                                                                                                                                                                  | 12                                                                                                                                                                                                                                                                                    | 0.05                                                                                                                                                                                                                                                                                  | 20                                                                                                                                                                                                                                                                                    | 0.13                                                                                                                                                                                                                                                                                  |
| Mizoram                                                                                                                                                                                                                                                                               |                                                                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                                                                       | 5                                                                                                                                                                                                                                                                                     | 0.01                                                                                                                                                                                                                                                                                  | 8                                                                                                                                                                                                                                                                                     | 0.06                                                                                                                                                                                                                                                                                  |

| Nagaland      |      |       | 9     | 0.04   | 3     | 0.02   | 9     | 0.07   |
|---------------|------|-------|-------|--------|-------|--------|-------|--------|
| New Delhi     | 156  | 3.44  | 1697  | 13.37  | 4191  | 15.76  | 5499  | 15.37  |
| Odisha        | 1    | 0.06  | 51    | 0.35   | 115   | 0.53   | 456   | 2.55   |
| Overseas      | 7    | 0.22  | 27    | 0.16   | 27    | 0.29   | 12    | 0.09   |
| Puducherry    | 2    | 0.05  | 9     | 0.04   | 6     | 0.05   | 12    | 0.05   |
| Punjab        | 3    | 0.27  | 214   | 0.99   | 288   | 0.92   | 501   | 2.14   |
| Rajasthan     | 10   | 0.16  | 132   | 1.18   | 374   | 1.47   | 755   | 9.17   |
| Sikkim        |      |       | 2     | 0.01   | 4     | 0.00   | 15    | 0.06   |
| Tamil Nadu    | 208  | 4.39  | 3855  | 50.36  | 5497  | 24.06  | 5258  | 17.03  |
| Telangana     |      |       | 586   | 4.30   | 974   | 2.61   | 1284  | 2.75   |
| Tripura       |      |       | 6     | 0.04   | 9     | 0.03   | 25    | 0.10   |
| Uttar Pradesh | 37   | 1.04  | 763   | 3.16   | 5109  | 7.80   | 2130  | 10.57  |
| Uttarakhand   |      |       | 119   | 0.57   | 128   | 0.53   | 141   | 0.44   |
| Uttaranchal   | 5    | 0.13  |       |        |       |        |       |        |
| West Bengal   | 19   | 0.67  | 245   | 1.50   | 493   | 17.99  | 951   | 2.86   |
| Grand Total   | 1372 | 42.29 | 34791 | 168.99 | 52304 | 149.42 | 52006 | 228.44 |

Notes: It may be noted that fraud cases below Rs. 1 lakh were not required to be reported to RBI prior to April 1, 2017.

## Annexure-II

## Initiatives by the Government of India

- i. The  Indian  Computer  Emergency  Response  Team  (CERT-In)  issues  alerts  and  advisories  regarding  latest  cyber  threats  and countermeasures on regular basis to ensure safe usage of digital technologies. Regarding securing digital payments, 35 advisories have been issued for users and institutions.
- ii. All authorised entities/ banks issuing PPIs in the country have been advised by CERT-In through Reserve bank of India to carry out special  audit  by  empanelled  auditors  of  CERT-In  on  a  priority  basis  and  to  take  immediate  steps  thereafter  to  comply  with  the findings of the audit report and ensure implementation of security best practices.
- iii. Government has issued guidelines for Chief Information Security Officers (CISOs) regarding their key roles and responsibilities for securing applications / infrastructure and compliance.
- iv. Government has empanelled 90 security auditing organisations to support and audit implementation of Information Security Best Practices.
- v. Government has formulated Crisis Management Plan for countering cyber attacks and cyber terrorism for implementation by all Ministries/ Departments of Central Government, State Governments and their organizations and critical sectors.
- vi. Cyber  security  mock  drills  are  being  conducted  regularly  to  enable  assessment  of  cyber  security  posture  and  preparedness  of organisations in Government and critical sectors. 44 such drills have so far been conducted by CERT-In where 265 organisations from different States and sectors such as Finance, Defence, Power, Telecom, Transport, Energy, Space, IT/ITeS, etc participated. Out of these drills, 9 drills were conducted in coordination with the Reserve Bank of India and The Institute for Development and Research in Banking Technology for financial sector organisations.
- vii. CERT-In  conducts  regular  training  programmes  for  network  /  system  administrators  and  Chief  Information  Security  Officers (CISOs) of Government and critical sector organisations regarding securing the IT infrastructure and mitigating cyber attacks.
- viii. Government has launched the Cyber Swachhta Kendra (Botnet Cleaning and Malware Analysis Centre). The centre is providing detection of malicious programs and free tools to remove the same.
- ix. Under the Information Security Education and Awareness (ISEA) Project Phase-I (2005-2014), more than 44,000 candidates were trained in various formal/non-formal courses in Information Security through 40 institutions. Around 100 Government officials were trained as Master Trainers in the area of Information Security.

## Annexure-III

## Steps taken by RBI

1. Securing Card Transactions: (i) Banks have been advised to provide online alerts for all card transactions, vide, RBI circular dated March 29, 2011. (ii) RBI has also issued circulars dated September 22, 2011, February 28, 2013 and June 24, 2013 for securing electronic transactions  advising  banks  to  introduce  additional  security  measures. (iii) RBI  has  directed  banks  to  mandatorily  put  in  place  an Additional Factor of Authentication for all Card not present transaction w.e.f. 01.05.2013 failing which the issuer bank shall reimburse the loss to customer without demur. (iv) All authorised card payment networks are permitted to offer card tokenisation services to any token requestor, subject to certain conditions.
2.  Securing  Payments  through  Internet  Banking  /  Electronic  Payments: RBI has issued  circular  on  'Security  and  Risk  Mitigation Measures for Electronic Payment Transactions' (DPSS.CO.PD No.1462 /02.14.003 /2012-13) dated February 28, 2013.
3.  Prepaid  Payment  Instruments  (PPIs): RBI  has  issued  'Master  Direction  on  Issuance  and  Operation  of  PPIs'  (MD  on  PPIs) (DPSS.CO. PD. No.1164/02.14.006/2017-18) dated October 11, 2017 (updated as on December 29, 2017).  As per para 15.3 of MD on PPI issuers  were instructed to put in place a framework to address the safety and security concerns, and for risk mitigation  and fraud prevention.
4.  Limiting  Customer  Liability  on  Unauthorized  Electronic  Banking  Transactions: RBI  has  issued  circular  no.  DBR.No. Leg.BC.78/09.07.005/2017-18 dated July 06, 2017 limiting the liability of customers on unauthorized electronic banking transactions.

5. Limiting Customer Liability in Unauthorized Electronic Banking Transactions in PPIs issued by Authorised Non-banks: RBI has  issued  circular  no.  DPSS.CO.PD.No.1417/02.14.006/2018-19  dated  January  04,  2019  limiting  the  liability  of  customers  in unauthorized electronic banking transactions in PPIs issued by Authorised Non-banks. 6.  Enhancing Security of Card Transactions: RBI has issued circular no. DPSS.CO.PD No.1343/02.14.003/2019-20dated January 15, 2020on further enhancing security of card transactions. 7.  Ombudsman Scheme for Digital Transactions: RBI has launched a scheme 'Ombudsman Scheme for Digital Transactions, 2019' on January 31, 2019 to provide for a  mechanism of Ombudsman for redressal of complaints against deficiency in  services related to digital transactions. The Scheme came into force on January 31, 2019. And the system participants defined under the scheme are to be complied with the provisions of the scheme. The scheme is available at the following path on RBI website: https://rbidocs.rbi.org.in/rdocs/Content/PDFs/OSDT31012019.pdf 8. For the purpose of creating awareness RBI is holding e-BAAT program at various locations wherein audience are sensitized about safe digital payments.Also, a campaign named 'RBI Kehta Hai' is undertaken through print and electronic media to create awareness in this

- regard.

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