India's Consumer Digital Fraud Rate Doubles Global Average

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Consumer digital fraud attempt rates in India reached 7.1 percent in 2025, surpassing double the global average according to the TransUnion H1 2026 Top Fraud Trends Report.

Key Findings from the Report

The findings reveal a growing complexity in cyber threats, with malicious actors prioritizing tactics that exploit vulnerabilities during the account login process for digital consumers. The report highlights distinct patterns in India’s fraud landscape compared to global trends.

India’s Fraud Landscape

While account creation remains the most critical risk stage worldwide, with 8.3 percent of attempts flagged as fraudulent in 2025, India’s primary vulnerability lies in the login phase at 3.9 percent. This shift indicates a strategic focus on compromising existing accounts using stolen credentials rather than targeting new user registrations.

Industry-Specific Fraud Rates

Account creation risks followed at 3.1 percent, while financial transactions accounted for 1.2 percent of fraud attempts. Industries with high digital interaction and transaction volumes face disproportionate exposure. The logistics sector reported the highest suspected fraud rate at 16.3 percent, trailed by telecommunications at 14.7 percent. The insurance industry also experienced elevated attack rates, though specific figures were not disclosed.

Quote from TransUnion Executive

Anurag Anand, head of fraud solutions at TransUnion India Data Analytics Solutions, noted that cybercriminals are increasingly targeting upstream stages to mask identity manipulation tactics. This approach enables fraudsters to bypass traditional rules-based systems designed for older threat models.

Recommendations for Organizations

The report emphasizes that organizations must implement intelligence-driven, proactive measures to detect and mitigate identity risks during initial user registration.