RBI Bank Fraud Report 2026: A significant increase in the amount of fraud has been seen in the Indian banking sector. According to the annual report of the Reserve Bank of India, the amount involved in bank fraud increased by 46% to ₹ 48,021 crore in the financial year 2025-26. This figure was ₹32,803 crore last year. However, it is a matter of relief that the number of fraud cases has decreased.
Fraud cases decreased, but the amount increased
According to the RBI report, a total of 10,114 fraud cases were reported in 2025-26, whereas a year ago this number was 23,722. This means that the number of cases decreased, but high-value frauds increased.
The report said that the amount of fraud in public sector banks reached ₹35,709 crore, whereas last year it was ₹23,617 crore. In private banks this figure increased from ₹8,927 crore to ₹11,399 crore.
Old cases also came to light
RBI said that this year’s data also includes 314 cases totaling ₹30,199 crore. These cases were from the previous financial year, but were reported after re-examination after the Supreme Court’s decision of March 27, 2023. According to RBI, fraud often happens in the beginning, but is detected later. Therefore, the year in which an incident is reported may not necessarily be a fraud.
Loan fraud is highest
According to the report, maximum frauds occurred in bank loan or advance category. During this period, 8,640 cases worth ₹40,774 crore were detected, while last year the figure was ₹30,367 crore. Experts believe that frauds related to big corporate loans and frauds committed using forged documents remain the biggest challenge for the banking system. Reduction in digital payment fraud
While big bank frauds have increased, card and digital payment frauds have decreased significantly. The total amount of such cases was only ₹29 crore in 2025-26, whereas it was ₹517 crore last year. The number of cases also decreased from 13,332 to only 293. RBI says that such frauds have reduced due to digital security measures and better monitoring.
Kill switch system will be launched soon
To prevent digital fraud, the Reserve Bank of India is working on introducing a kill switch feature. This system will allow customers to immediately stop all transactions from their bank account in case of emergency. Additionally, RBI plans to further strengthen the on-off switch feature, giving customers more control over their cards and digital payments.
Focus on cyber security
RBI has also taken the initiative to launch a secure domain name, .bank.in. India has become the first country in the world to take such a step. It is believed that this will strengthen cyber security and help in preventing online banking fraud.
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