India recorded a 7.1% suspected digital fraud rate across consumer transactions in 2025, according to the TransUnion H1 2026 Top Fraud Trends Report. This is significantly higher than the global average of 3.8%, highlighting the growing cybersecurity challenges accompanying India’s rapid digital adoption.
India’s Digital Fraud Snapshot
Metric India Global Average
Suspected Digital Fraud Rate (2025) 7.1% 3.8%
The report measures the percentage of digital consumer transactions flagged as suspected fraudulent across various online platforms.
Existing Users Face Higher Risk
Unlike many global markets, fraud in India is increasingly targeting existing customer accounts rather than new account creation.
Fraud Risk by Transaction Type
Transaction Type Suspected Fraud Rate
Account Login 3.9%
Account Creation 3.1%
Financial Transactions 1.2%
This indicates that account logins have become the most vulnerable stage of the digital customer journey, reflecting a shift toward account takeover attacks.
Most Affected Industries
The report identified the sectors experiencing the highest levels of suspected digital fraud:
Sector Suspected Fraud Rate
Logistics 16.3%
Telecommunications 14.7%
Insurance 11.5%
These industries process large volumes of digital transactions and customer interactions, making them attractive targets for cybercriminals.
Fraud Techniques Are Changing
According to the report, cybercriminals are increasingly focusing on compromising legitimate customer accounts rather than creating fake identities.
Common techniques include:
Credential theft
Phishing attacks
Exploiting passwords leaked in previous data breaches
Account takeover attempts using stolen login information
This shift reflects a growing emphasis on exploiting existing digital identities instead of opening fraudulent new accounts.
Conclusion
The findings suggest that as India’s digital economy continues to expand, the nature of online fraud is evolving. With login credentials becoming a primary target, organisations may need to strengthen identity verification, multi-factor authentication, and account security measures to better protect users and reduce fraud risks across digital platforms.
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