Lok Sabha Question No. 4142 (UNSTARRED), answered on 2023-03-27
Subject: UPI/Cyber Frauds
Ministry: FINANCE
Asked by: P.P. Chaudhary, Brijbhushan Sharan Singh, Pratap Chandra Sarangi, Ramapati Ram Tripathi, Sangamlal Kadedin Gupta, Anurag Sharma, S. Gnanathiraviam

## GOVERNMENT OF INDIA MINISTRY OF FINANCE

## LOK SABHA UNSTARRED QUESTION NO-4142

ANSWERED ON - 27.3.2023

## UPI/CYBER FRAUDS

4142. SHRI P.P. CHAUDHARY:

SHRI BRIJBHUSHAN SHARAN SINGH:

SHRI PRATAP CHANDRA SARANGI:

DR. RAMAPATI RAM TRIPATHI:

SHRI SANGAM LAL GUPTA:

SHRI ANURAG SHARMA:

SHRI GNANATHIRAVIAM S.:

Will the Minister of FINANCE be pleased to state:

- (a)  whether the Government is aware of the Unified Payments Interface (UPI) frauds that are taking place in the country;
- (b)  if so, the details of UPI/credit/debit card frauds reported pan India during the last three years, State-wise;
- (c) whether the Government has taken any steps to strengthen the current system and prevent the cyber frauds and if so, the details thereof and if not, the reasons therefor; and
- (d)  the other steps taken/proposed to be taken by the Government to check fraudulent use of credit/debit cards and to enhance cyber security in bank transactions?

## ANSWER

## THE MINISTER OF STATE IN THE MINISTRY OF FINANCE

(DR. BHAGWAT KARAD)

(a) and (b) :  State-wise details of frauds reported by Banks to the Reserve Bank of India (RBI) under the category 'Card/Internet- ATM/Debit Card, Credit Card & Internet Banking' for the last three financial years, are placed at Annex.

(c) and (d) : In order to prevent card or online frauds, RBI has issued various instructions pertaining  to  security  arrangements  at  ATMs  of  banks,  skimming  of  ATM/Debit cards/Credit cards, and caution advice issued on SIM Swap Frauds, loan frauds through the mobile application and hacking of customers' information from the bank's server.

Further, RBI issued a comprehensive circular on Cyber Security Framework in Banks on June  2,  2016,  covering  best  practices  pertaining  to  various  aspects  of  cybersecurity, followed  by  advisories  issued  from  time  to  time.  RBI  also  issued  Master  Direction  on Digital  Payment  Security  Controls  on  February  18,  2021,  wherein,  apart  from  other security controls, banks have been advised to implement controls with respect to fraud risk management.

To enhance the cyber security posture of digital payment systems and prevent cyber frauds,  Computer  Emergency  Response  Team  (CERT-In),  the  national  nodal  agency responsible  for  responding  to  computer  security  incidents,  has  undertaken  various measures which include,  inter-alia, issuance of alerts and advisories regarding latest cyber threats/ vulnerabilities and countermeasures to protect computers and networks on an  ongoing basis, tracking and  disabling phishing websites and  facilitating the investigation of fraudulent activities in coordination with service providers, regulators, and law  enforcement agencies, carrying  out  cyber  security  awareness  campaign  with  RBI through the Digital India Platform,  and operation of an automated cyber-threat exchange platform for proactively collecting, analyzing and sharing tailored alerts with organizations across sectors.

*****

## Annex

| State- wise details of frauds reported by Banks to Reserve Bank of India (RBI) under the category 'Card/Internet - ATM/Debit Card, Credit Card &Internet Banking'   | State- wise details of frauds reported by Banks to Reserve Bank of India (RBI) under the category 'Card/Internet - ATM/Debit Card, Credit Card &Internet Banking'   | State- wise details of frauds reported by Banks to Reserve Bank of India (RBI) under the category 'Card/Internet - ATM/Debit Card, Credit Card &Internet Banking'   | State- wise details of frauds reported by Banks to Reserve Bank of India (RBI) under the category 'Card/Internet - ATM/Debit Card, Credit Card &Internet Banking'   | State- wise details of frauds reported by Banks to Reserve Bank of India (RBI) under the category 'Card/Internet - ATM/Debit Card, Credit Card &Internet Banking'   | State- wise details of frauds reported by Banks to Reserve Bank of India (RBI) under the category 'Card/Internet - ATM/Debit Card, Credit Card &Internet Banking'   | State- wise details of frauds reported by Banks to Reserve Bank of India (RBI) under the category 'Card/Internet - ATM/Debit Card, Credit Card &Internet Banking'   |
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                                                                                                     | 2019-20                                                                                                                                                             | 2019-20                                                                                                                                                             | 2020-21                                                                                                                                                             | 2020-21                                                                                                                                                             | 2021-22                                                                                                                                                             | 2021-22                                                                                                                                                             |
|                                                                                                                                                                     | Number of Frauds                                                                                                                                                    | Amount involved(₹ in crore)                                                                                                                                         | Number of Frauds                                                                                                                                                    | Amount involved(₹ in crore)                                                                                                                                         | Number of Frauds                                                                                                                                                    | Amount involved(₹ in crore)                                                                                                                                         |
| Name of the state                                                                                                                                                   |                                                                                                                                                                     |                                                                                                                                                                     |                                                                                                                                                                     |                                                                                                                                                                     |                                                                                                                                                                     |                                                                                                                                                                     |
| Andaman& Nicobar Islands                                                                                                                                            | 21                                                                                                                                                                  | 0.09                                                                                                                                                                | 3                                                                                                                                                                   | 0.01                                                                                                                                                                | 1                                                                                                                                                                   | 0.01                                                                                                                                                                |
| Andhra Pradesh                                                                                                                                                      | 631                                                                                                                                                                 | 2.15                                                                                                                                                                | 733                                                                                                                                                                 | 1.96                                                                                                                                                                | 521                                                                                                                                                                 | 1.58                                                                                                                                                                |
| Arunachal Pradesh                                                                                                                                                   | 25                                                                                                                                                                  | 0.12                                                                                                                                                                | 71                                                                                                                                                                  | 0.38                                                                                                                                                                | 4                                                                                                                                                                   | 0.00                                                                                                                                                                |
| Assam                                                                                                                                                               | 583                                                                                                                                                                 | 3.33                                                                                                                                                                | 377                                                                                                                                                                 | 1.88                                                                                                                                                                | 160                                                                                                                                                                 | 1.54                                                                                                                                                                |
| Bihar                                                                                                                                                               | 438                                                                                                                                                                 | 1.58                                                                                                                                                                | 871                                                                                                                                                                 | 2.44                                                                                                                                                                | 1015                                                                                                                                                                | 4.01                                                                                                                                                                |
| Chandigarh                                                                                                                                                          | 194                                                                                                                                                                 | 0.56                                                                                                                                                                | 268                                                                                                                                                                 | 0.74                                                                                                                                                                | 247                                                                                                                                                                 | 1.21                                                                                                                                                                |
| Chhattisgarh                                                                                                                                                        | 234                                                                                                                                                                 | 0.73                                                                                                                                                                | 222                                                                                                                                                                 | 0.54                                                                                                                                                                | 180                                                                                                                                                                 | 4.79                                                                                                                                                                |
| Dadra and Nagar Haveli and Daman and Diu                                                                                                                            | 52                                                                                                                                                                  | 0.08                                                                                                                                                                | 65                                                                                                                                                                  | 0.15                                                                                                                                                                | 69                                                                                                                                                                  | 0.20                                                                                                                                                                |
| Goa                                                                                                                                                                 | 231                                                                                                                                                                 | 0.60                                                                                                                                                                | 190                                                                                                                                                                 | 0.58                                                                                                                                                                | 221                                                                                                                                                                 | 0.82                                                                                                                                                                |
| Gujarat                                                                                                                                                             | 2719                                                                                                                                                                | 6.53                                                                                                                                                                | 4746                                                                                                                                                                | 12.37                                                                                                                                                               | 3015                                                                                                                                                                | 9.45                                                                                                                                                                |
| Haryana                                                                                                                                                             | 6782                                                                                                                                                                | 24.01                                                                                                                                                               | 5991                                                                                                                                                                | 25.54                                                                                                                                                               | 5800                                                                                                                                                                | 17.93                                                                                                                                                               |
| Himachal Pradesh                                                                                                                                                    | 190                                                                                                                                                                 | 0.81                                                                                                                                                                | 256                                                                                                                                                                 | 0.84                                                                                                                                                                | 174                                                                                                                                                                 | 0.91                                                                                                                                                                |
| Jammu &Kashmir                                                                                                                                                      | 109                                                                                                                                                                 | 0.32                                                                                                                                                                | 105                                                                                                                                                                 | 0.49                                                                                                                                                                | 76                                                                                                                                                                  | 0.37                                                                                                                                                                |
| Jharkhand                                                                                                                                                           | 207                                                                                                                                                                 | 0.69                                                                                                                                                                | 261                                                                                                                                                                 | 1.74                                                                                                                                                                | 263                                                                                                                                                                 | 0.95                                                                                                                                                                |
| Karnataka                                                                                                                                                           | 3974                                                                                                                                                                | 24.54                                                                                                                                                               | 4371                                                                                                                                                                | 14.81                                                                                                                                                               | 3571                                                                                                                                                                | 21.40                                                                                                                                                               |
| Kerala                                                                                                                                                              | 991                                                                                                                                                                 | 4.66                                                                                                                                                                | 956                                                                                                                                                                 | 4.11                                                                                                                                                                | 618                                                                                                                                                                 | 2.43                                                                                                                                                                |
| Ladakh                                                                                                                                                              | 3                                                                                                                                                                   | 0.03                                                                                                                                                                | 13                                                                                                                                                                  | 0.07                                                                                                                                                                | 4                                                                                                                                                                   | 0.03                                                                                                                                                                |
| Madhya Pradesh                                                                                                                                                      | 865                                                                                                                                                                 | 2.72                                                                                                                                                                | 979                                                                                                                                                                 | 3.48                                                                                                                                                                | 824                                                                                                                                                                 | 3.68                                                                                                                                                                |
| Maharashtra                                                                                                                                                         | 30546                                                                                                                                                               | 83.60                                                                                                                                                               | 27449                                                                                                                                                               | 70.46                                                                                                                                                               | 25979                                                                                                                                                               | 86.32                                                                                                                                                               |
| Manipur                                                                                                                                                             | 8                                                                                                                                                                   | 0.03                                                                                                                                                                | 25                                                                                                                                                                  | 0.09                                                                                                                                                                | 5                                                                                                                                                                   | 0.03                                                                                                                                                                |
| Meghalaya                                                                                                                                                           | 31                                                                                                                                                                  | 0.16                                                                                                                                                                | 23                                                                                                                                                                  | 0.11                                                                                                                                                                | 12                                                                                                                                                                  | 0.07                                                                                                                                                                |
| Mizoram                                                                                                                                                             | 9                                                                                                                                                                   | 0.07                                                                                                                                                                | -                                                                                                                                                                   | -                                                                                                                                                                   | 2                                                                                                                                                                   | 0.01                                                                                                                                                                |
| Nagaland                                                                                                                                                            | 32                                                                                                                                                                  | 0.18                                                                                                                                                                | 21                                                                                                                                                                  | 0.09                                                                                                                                                                | 5                                                                                                                                                                   | 0.04                                                                                                                                                                |
| NCT of Delhi                                                                                                                                                        | -                                                                                                                                                                   | -                                                                                                                                                                   | 8435                                                                                                                                                                | 21.20                                                                                                                                                               | 6716                                                                                                                                                                | 27.85                                                                                                                                                               |
| New Delhi                                                                                                                                                           | 7928                                                                                                                                                                | 23.01                                                                                                                                                               | -                                                                                                                                                                   | -                                                                                                                                                                   | -                                                                                                                                                                   | -                                                                                                                                                                   |
| Odisha                                                                                                                                                              | 581                                                                                                                                                                 | 3.10                                                                                                                                                                | 300                                                                                                                                                                 | 1.39                                                                                                                                                                | 337                                                                                                                                                                 | 6.03                                                                                                                                                                |
| Overseas                                                                                                                                                            | 16                                                                                                                                                                  | 0.15                                                                                                                                                                | 6                                                                                                                                                                   | 0.04                                                                                                                                                                | -                                                                                                                                                                   | -                                                                                                                                                                   |
| Puducherry                                                                                                                                                          | 20                                                                                                                                                                  | 0.06                                                                                                                                                                | 26                                                                                                                                                                  | 0.04                                                                                                                                                                | 14                                                                                                                                                                  | 0.02                                                                                                                                                                |
| Punjab                                                                                                                                                              | 752                                                                                                                                                                 | 2.88                                                                                                                                                                | 1226                                                                                                                                                                | 3.68                                                                                                                                                                | 1115                                                                                                                                                                | 5.45                                                                                                                                                                |
| Rajasthan                                                                                                                                                           | 1033                                                                                                                                                                | 9.89                                                                                                                                                                | 1574                                                                                                                                                                | 5.12                                                                                                                                                                | 1020                                                                                                                                                                | 6.14                                                                                                                                                                |
| Sikkim                                                                                                                                                              | 20                                                                                                                                                                  | 0.08                                                                                                                                                                | 17                                                                                                                                                                  | 0.04                                                                                                                                                                | 8                                                                                                                                                                   | 0.03                                                                                                                                                                |
| Tamil Nadu                                                                                                                                                          | 7443                                                                                                                                                                | 24.63                                                                                                                                                               | 5585                                                                                                                                                                | 24.14                                                                                                                                                               | 5953                                                                                                                                                                | 21.02                                                                                                                                                               |
| Telangana                                                                                                                                                           | 1853                                                                                                                                                                | 3.82                                                                                                                                                                | 2918                                                                                                                                                                | 7.14                                                                                                                                                                | 2129                                                                                                                                                                | 10.80                                                                                                                                                               |
| Tripura                                                                                                                                                             | 121                                                                                                                                                                 | 0.40                                                                                                                                                                | 53                                                                                                                                                                  | 0.13                                                                                                                                                                | 9                                                                                                                                                                   | 0.02                                                                                                                                                                |
| Uttar Pradesh                                                                                                                                                       | 3197                                                                                                                                                                | 13.54                                                                                                                                                               | 4130                                                                                                                                                                | 11.67                                                                                                                                                               | 4223                                                                                                                                                                | 16.30                                                                                                                                                               |
| Uttarakhand                                                                                                                                                         | 206                                                                                                                                                                 | 0.87                                                                                                                                                                | 251                                                                                                                                                                 | 1.68                                                                                                                                                                | 261                                                                                                                                                                 | 0.90                                                                                                                                                                |
| Grand Total                                                                                                                                                         | 73386                                                                                                                                                               | 244.01                                                                                                                                                              | 73988                                                                                                                                                               | 228.65                                                                                                                                                              | 65893                                                                                                                                                               | 258.61                                                                                                                                                              |

Source: RBI