Bank Fraud Cases Decrease, but Value Rises to ₹48,000 Crore in 2025-26: RBI Data

The Reserve Bank of India (RBI) has released data indicating a significant decline in the number of bank fraud cases in 2025-26, yet the total value involved has reached a 3-year high of ₹48,021 crore.  

This increase is primarily attributed to frauds related to loans and advances, with state-owned banks being the most affected. 

Rising Value of Bank Frauds Despite Fewer Cases 

In 2025-26, the banking sector reported frauds worth ₹48,021 crore, marking a 46.4% increase from ₹32,803 crore in 2024-25 and over 4 times the ₹11,013 crore reported in 2023-24.  

Despite this rise in value, the number of fraud cases fell sharply to 10,114 from 23,722 in 2024-25, a 57.4% decline.  

Compared to 35,800 cases in 2023-24, the volume of frauds decreased by 71.7%. 

Public Sector Banks Bear the Brunt 

Public sector banks accounted for the largest share of fraud amounts in 2025-26, reporting frauds worth ₹35,709 crore.  

This represents a 51.2% increase from ₹23,617 crore in 2024-25 and more than 4 times the ₹8,092 crore reported in 2023-24.  

These banks contributed 74.5% of the total fraud amount in 2025-26, up from 72% in 2024-25. 

Advances Category Dominates Fraud Losses 

The advances category, including loans and credit facilities, was the biggest source of fraud losses in 2025-26.  

Frauds related to advances amounted to ₹40,774 crore, up 34.3% from ₹30,367 crore in 2024-25 and 357.5% higher than ₹8,917 crore in 2023-24.  

Advances accounted for 84.9% of the total fraud amount in 2025-26. 

Read More: RBI’s Big May 2026 Moves: Rupee Defence, Liquidity Boost and New Banking Rules Explained! 

Decline in Digital Payment Frauds 

Frauds involving cards, internet banking, and digital payments saw a sharp decline in both value and volume. The number of digital payment frauds fell to 293 in 2025-26 from 13,332 in 2024-25, with the amount involved dropping to ₹29 crore from ₹517 crore. 

Conclusion 

While the number of bank fraud cases has decreased significantly, the total value involved has risen, driven largely by loan-related frauds. Public sector banks remain the most affected, with advances being the primary category of fraud. Digital payment frauds have seen a notable decline, indicating a shift in fraud patterns. 

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