Key facts
- India's suspected digital fraud rate was 7.1% in 2025, nearly double the global average of 3.8%.
- The highest risk in India is at the account login stage (3.9%), unlike the global trend where account creation is highest.
- Fraudsters in India are increasingly targeting existing accounts with compromised credentials.
- Sectors with the highest fraud exposure in India are logistics (16.3%), telecommunications (14.7%), and insurance (11.5%).
- The Reserve Bank of India is proposing measures to combat cybercrime, including delays on high-value transfers.
India's suspected digital fraud rate in 2025 stood at 7.1% of all digital transactions, nearly double the global average of 3.8%, according to TransUnion's H1 2026 Top Fraud Trends Report. This widening gap highlights the challenges posed by the country's rapid digitization, which has expanded the attack surface for sophisticated fraudsters.
The nature of fraud risk in India differs from global patterns. While account creation is the highest-risk stage globally (8.3%), in India, the greatest risk is concentrated at the account login stage (3.9%), followed by account creation (3.1%) and financial transactions (1.2%). This suggests a shift towards organized, credential-based attacks exploiting data breaches and phishing, rather than opportunistic fraud.
Fraud exposure varies by sector, with logistics recording the highest suspected digital fraud rate in India at 16.3% in 2025. Telecommunications followed at 14.7%, with insurance at 11.5%. These sectors share characteristics like high transaction volumes and complex authentication environments, making them attractive targets.
These findings come as the Reserve Bank of India has proposed countermeasures to combat a tenfold surge in cybercrime cases. Proposed measures include a mandatory one-hour delay on high-value account-to-account transfers and enhanced authentication for vulnerable groups. Reported cybercrime cases rose from 2.6 lakh in 2021 to 28 lakh in 2025, with the value of fraud increasing significantly over the same period.