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Date : Dec 27, 2023
Appendix Table IV.7: 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
No. Amount No. Amount No. Amount No. Amount No. Amount No. Amount
1 2 3 4 5 6 7 8 9 10 11 12 13
Advances 1,564 672 1,525 1,162 1,734 1,055 1,750 721 1,976 1,388 2,190 1,263
Card/Internet 26 3 144 6 491 11 679 15 1,036 37 1,215 35
Deposits 374 28 325 28 384 49 458 79 599 66 666 195
Off-balance sheet 6 33 7 25 4 4 6 8 9 22 10 370
Foreign exchange transactions 16 14 10 30 28 7 25 30 15 14 16 28
Cash 75 4 89 16 87 7 99 5 141 36 143 14
Cheques/demand drafts, etc. 108 15 110 9 141 10 192 17 234 15 202 17
Inter-branch accounts 31 6 36 7 18 1 22 3 16 5 18 2
Clearing, etc accounts 20 2 23 4 35 12 30 9 52 45 51 7
Non-resident accounts 11 2 9 0 17 1 9 4 26 2 13 2
Others 204 16 148 29 88 51 97 26 146 39 146 64
Grand Total 2,435 795 2,426 1,316 3,027 1,208 3,367 917 4,250 1,669 4,670 1,997

Appendix Table IV.7: Frauds in Various Banking Operations Based on Date of Reporting (Continued)
(Amount in ₹ crore)
Area of Operation 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16
No. Amount No. Amount No. Amount No. Amount No. Amount No. Amount
1 14 15 16 17 18 19 20 21 22 23 24 25
Advances 2,382 2,740 1,953 3,552 2,087 6,530 1,984 7,949 2,254 16,924 2,116 17,181
Card/Internet 763 21 629 23 793 49 978 54 845 52 1,191 40
Deposits 790 583 857 219 791 291 774 331 875 437 759 809
Off-balance sheet 10 212 5 373 18 1,527 15 1,088 10 699 4 132
Foreign exchange transactions 19 148 22 130 10 98 9 144 16 899 16 30
Cash 154 21 173 20 140 23 145 24 153 43 160 22
Cheques/demand drafts, etc. 184 27 172 40 141 22 180 19 254 26 234 25
Inter-branch accounts 10 1 24 8 6 3 7 1 4 0 4 10
Clearing, etc accounts 34 11 38 31 36 7 36 24 29 7 17 87
Non-resident accounts 9 2 11 3 17 3 38 10 23 8 8 9
Others 179 56 207 98 197 112 135 64 179 162 176 146
Grand Total 4,534 3,822 4,091 4,497 4,236 8,665 4,301 9,708 4,642 19,257 4,685 18,491

Appendix Table IV.7: Frauds in Various Banking Operations Based on Date of Reporting (Concluded)
(Amount in ₹ crore)
Area of Operation 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22
No. Amount No. Amount No. Amount No. Amount No. Amount No. Amount
1 26 27 28 29 30 31 32 33 34 35 36 37
Advances 2,316 20,339 2,525 22,558 3,571 55,844 4,497 1,63,178 3,401 1,17,018 3,789 43,512
Card/Internet 1,372 42 2,058 103 1,866 71 2,677 129 2,545 119 3,596 155
Deposits 693 903 691 457 593 148 530 616 504 434 471 493
Off-balance sheet 5 63 20 16288 28 5299 31 2317 23 535 21 1,077
Foreign exchange transactions 16 2,201 9 1426 13 695 8 54 4 129 7 7
Cash 239 37 218 40 274 56 371 63 329 39 649 93
Cheques/demand drafts, etc. 235 40 207 34 189 34 201 39 163 85 201 158
Inter-branch accounts 1 0 6 1 3 0 2 0 2 0 3 2
Clearing, etc accounts 27 6 37 6 24 209 22 7 14 4 16 1
Non-resident accounts 10 3 6 5 3 0 8 1 1 0 1 2
Others 153 77 138 242 197 244 242 172 277 54 299 98
Grand Total 5,067 23,711 5,915 41,160 6,761 62,600 8,589 1,66,576 7,263 1,18,417 9,053 45,598
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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