In India, fraud patterns suggest pressure is driven more by severity than scale. The suspected digital fraud rate fell to 7.1% in 2025, yet remained almost double the global average of 3.8%, indicating persistent vulnerability.

This report gives fraud, risk, identity and authentication leaders in India fresh intelligence to evaluate fraud prevention tactics and adjust strategies with confidence. It draws on two sources: a global consumer survey across 18 countries and regions, and billions of transactions within TransUnion’s proprietary global intelligence network. Together, these perspectives offer a holistic data-driven view of today’s fast-changing threat landscape.

More than half (59%) of Indian consumers reported being targeted by digital fraud from August to December 2025, with phishing the most reported scheme

Account login was the highest-risk consumer lifecycle stage at 3.9% of transactions suspected of digital fraud — followed by account creation (3.1%) and financial transactions (1.2%), with all stages tracking below global benchmarks

Confidence in personal data security was cited as very important by more than two-thirds (67%) of Indian consumers when choosing whom to transact with online, though this remains slightly below global benchmarks

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