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Date : Dec 27, 2022
Appendix Table IV.16: Frauds in Various Banking Operations Based on Date of Reporting
(Amount in ₹ crore)
Area of Operation 2004-05 2005-06 2006-07 2007-08 2008-09 2009-10 2010-11
No. Amount No. Amount No. Amount No. Amount No. Amount No. Amount No. Amount
Advances 1,564 672 1,525 1,162 1,734 1,055 1,750 721 1,976 1,388 2,190 1,263 2,382 2,740
Card/Internet 26 3 144 6 491 11 679 15 1,036 37 1,215 35 763 21
Deposits 374 28 325 28 384 49 458 79 599 66 666 195 790 583
Off-balance sheet 6 33 7 25 4 4 6 8 9 22 10 370 10 212
Foreign exchange transactions 16 14 10 30 28 7 25 30 15 14 16 28 19 148
Cash 75 4 89 16 87 7 99 5 141 36 143 14 154 21
Cheques /demand drafts, etc. 108 15 110 9 141 10 192 17 234 15 202 17 184 27
Inter-branch accounts 31 6 36 7 18 1 22 3 16 5 18 2 10 1
Clearing, etc accounts 20 2 23 4 35 12 30 9 52 45 51 7 34 11
Non-resident accounts 11 2 9 0 17 1 9 4 26 2 13 2 9 2
Others 204 16 148 29 88 51 97 26 146 39 146 64 179 56
Grand Total 2,435 795 2,426 1,316 3,027 1,208 3,367 917 4,250 1,669 4,670 1,997 4,534 3,822

Appendix Table IV.16: Frauds in Various Banking Operations Based on Date of Reporting (Continued)
(Amount in ₹ crore)
Area of Operation 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17
No. Amount No. Amount No. Amount No. Amount No. Amount No. Amount
Advances 1,953 3,552 2,087 6,530 1,985 8,334 2,256 17,123 2,120 17,367 2,320 20,556
Card/Internet 629 23 793 49 978 54 845 52 1,191 40 1,372 42
Deposits 857 219 791 291 774 331 875 437 759 809 693 903
Off-balance sheet 5 373 18 1,527 15 1,088 10 699 4 132 5 63
Foreign exchange transactions 22 130 10 98 9 144 16 899 17 51 16 2,201
Cash 173 20 140 23 145 24 153 43 160 22 239 37
Cheques/demand drafts, etc. 172 40 141 22 180 19 254 26 234 25 235 40
Inter-branch accounts 24 8 6 3 7 1 4 0 4 10 1 0
Clearing, etc accounts 38 31 36 7 36 24 29 7 17 87 27 6
Non-resident accounts 11 3 17 3 38 10 23 8 8 9 10 3
Others 207 98 197 112 135 64 179 162 176 146 153 77
Grand Total 4,091 4,497 4,236 8,665 4,302 10,093 4,644 19,456 4,690 18,698 5,071 23,928

Appendix Table IV.16: Frauds in Various Banking Operations Based on Date of Reporting (Concluded)
(Amount in ₹ crore)
Area of Operation 2017-18 2018-19 2019-20 2020-21
No. Amount No. Amount No. Amount No. Amount
Advances 2,525 22,558 3,602 64,508 4,607 1,81,865 3,496 1,36,429
Card/Internet 2,059 110 1,866 71 2,677 129 2,545 119
Deposits 691 457 593 148 530 616 504 434
Off-balance sheet 20 16288 33 5538 34 2445 23 535
Foreign exchange transactions 9 1426 13 695 8 54 4 129
Cash 218 40 274 56 371 63 329 39
Cheques/demand drafts, etc. 207 34 189 34 201 39 163 85
Inter-branch accounts 6 1 3 0 2 0 2 0
Clearing, etc accounts 37 6 24 209 22 7 14 4
Non-resident accounts 6 5 3 0 8 1 1 0
Others 138 242 197 244 242 172 277 54
Grand Total 5,916 41,167 6,797 71,503 8,702 1,85,391 7,358 1,37,828
Notes: 1. Refers to frauds of ₹1 lakh and above.
2. The figures reported by banks and financial institutions are subject to change based on revisions filed by them.
3. Frauds reported in a year could have occurred several years prior to year of reporting.
4. Amounts involved are as reported and do not reflect the amount of loss incurred. Depending on recoveries, the loss incurred gets reduced. Further, the entire amount involved in loan accounts is not necessarily diverted.
Source: RBI.

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