Lok Sabha Question No. 1213 (UNSTARRED), answered on 2025-12-08
Subject: Cyber Frauds
Ministry: FINANCE
Asked by: Smt. June Maliah

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UNSTARRED QUESTION NO:1213

ANSWERED ON THE MONDAY, DECEMBER 8, 2025/AGRAHAYANA 17, 1947 (SAKA)

## Cyber Frauds

1213. SMT. JUNE MALIAH:

Will the Minister of FINANCE be pleased to state:

- (a) the number of complaints received with amount lost due to cyber frauds during the last five years;
- (b) the number of cyber fraud cases tackled by the Government with the amount that has been recovered/saved and returned to the victims during the last five years;
- (c)  the  major  financial  instruments  used  for  cyber  frauds  and  the  number  of  cases reported during the last five years;
- (d) whether a financial fraud through the Aadhaar Enabled Payment System is likely to put an individual's sensitive private information at risk, if so, the details thereof; and
- (e) the details of number of cases and amount of financial fraud committed through the Aadhaar Enabled Payment System in the country since inception, year-wise?

## ANSWER

THE MINISTER OF STATE IN THE MINISTRY OF FINANCE

(SHRI PANKAJ CHAUDHARY)

- (a) to (c): With increasing digital payment transactions in the country, incidence of cyber frauds including digital payment frauds have also gone up in the last few years. As per Reserve Bank of India (RBI), the details of digital payment frauds reported by banks and financial institutions, during FY 2021-22 to 2025-26 (till Sept '25) are as under:

| Area of Operation                 | Number of frauds   |   Amount involved (in ₹ crore) |   Amount Recovered (in ₹ crore) |
|-----------------------------------|--------------------|--------------------------------|---------------------------------|
| Credit cards                      | 2,43,849           |                        1447.27 |                          177.78 |
| Debit/ATM Cards                   | 94,991             |                         401.17 |                           34.91 |
| Internet Banking                  | 2,42,562           |                        1730.14 |                           24.83 |
| UPI                               | 457                |                           2.13 |                            0.05 |
| Wallet/ Prepaid cards             | 13                 |                           0.02 |                            0    |
| IMPS/NEFT/RTGS                    | 57                 |                           4.8  |                            0.34 |
| AePS/Other Aadhaar related frauds | 1,346              |                           1.06 |                            0.76 |
| Other                             | 16                 |                           1.63 |                            0.16 |
| Grand Total                       | 5,83,291           |                        3588.22 |                          238.83 |

(d)  &  (e):    RBI  has  informed  that  financial  fraud  through  Aadhaar  Enabled  Payment System (AePS) since its launch in 2016 was captured under the category of 'internet banking'.  However,  from  November  2024,  such  frauds  are  being  reported  under  the category 'Digital Payments - AePS / other Aadhaar-related frauds'. The data pertaining to this category is as under:

| FY          | Number of Frauds   |   Amount involved (in ₹ Crore) |
|-------------|--------------------|--------------------------------|
| 2024-25     | 366                |                           0.32 |
| 2025-26     | 980                |                           0.74 |
| Grand Total | 1,346              |                           1.06 |

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