{"id":164715,"date":"2025-08-04T13:11:01","date_gmt":"2025-08-04T07:41:01","guid":{"rendered":"https:\/\/www.practicemock.com\/blog\/?p=164715"},"modified":"2025-08-04T17:07:01","modified_gmt":"2025-08-04T11:37:01","slug":"vishleshan-for-regulatory-exams-4th-august-2025","status":"publish","type":"post","link":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/","title":{"rendered":"Vishleshan for Regulatory Exams, 4th August 2025:\u00a0Digital Frauds"},"content":{"rendered":"\n<p><a href=\"https:\/\/www.practicemock.com\/blog\/author\/asad-khanpracticemock-com\/\"><\/a><\/p>\n\n\n<div class=\"yoast-breadcrumbs\"><span><span><a href=\"https:\/\/www.practicemock.com\/blog\/\">Home<\/a><\/span> \u00bb <span><a href=\"https:\/\/www.practicemock.com\/blog\/category\/vishleshan\/\">Vishleshan<\/a><\/span> \u00bb <span class=\"breadcrumb_last\" aria-current=\"page\">Digital Frauds in India \u2013 August 2025<\/span><\/span><\/div>\n\n\n<p><\/p>\n\n\n\n<p><strong>Want to get ready for the UPSC, RBI, SEBI, or NABARD exam?<\/strong> If yes, you have to stay updated about key economic and regulatory updates. In today\u2019s edition of&nbsp;Vishleshan, we\u2019ll discuss Digital Frauds. These issues are highly relevant for all the upcoming competitive exams mentioned above. Keep reading to stay ahead with a clear understanding of these current updates.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-cyan-blue-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.practicemock.com\/rbi-grade-b-test-series\/?ref=13851\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Take a Free RBI Grade Mock Test to Boost Your Preparation and Improve Success 10X Faster!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\">Digital Frauds \u2013 A Rapidly Growing Raodblock<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Context<\/strong>: On the one hand, headlines report a significant loss of \u20b922,845 crore in 3.6 million cases in 2024, a 42 per cent rise in the number of incidents. On the other hand, a recent reply in the Lok Sabha claimed a loss of a mere \u20b9580 crore in digital-payment frauds over five years.<\/p>\n<\/blockquote>\n\n\n\n<p><strong>Link to the Article<\/strong>: <a href=\"https:\/\/www.business-standard.com\/opinion\/columns\/india-needs-to-take-a-comprehensive-stance-against-increasing-digital-fraud-125080300590_1.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Business Standard<\/strong><\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>India&#8217;s burgeoning <strong>digital economy<\/strong> is facing a frightening surge in criminal activity, from illegal loan apps to &#8220;digital arrest&#8221; scams. This surge is creating a paradox of convenient financial services juxtaposed with an escalating risk of fraud. The current response to this problem is fragmented and reactive, with the burden of loss falling primarily on the victim. To effectively combat this, a paradigm shift is required, moving away from fragmented efforts to a coordinated national strategy that re-allocates loss, encourages firm-centric vigilance, and fosters collaboration across the financial, online, and security ecosystems.<\/p>\n\n\n\n<p><strong><u>Digital Economy and Components:<\/u><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>What:<\/strong> The digital economy encompasses all economic activities that rely on or are enabled by information and communication technologies (ICTs). It involves the production, exchange, and consumption of goods and services through digital platforms.<\/li>\n\n\n\n<li><strong>Components:<\/strong> Key components include:\n<ul class=\"wp-block-list\">\n<li><strong>Digital Infrastructure:<\/strong> Internet connectivity, mobile networks, data centers.<\/li>\n\n\n\n<li><strong>E-commerce:<\/strong> Online retail, marketplaces, and service platforms.<\/li>\n\n\n\n<li><strong>FinTech:<\/strong> Digital payments, online lending, cryptocurrencies, and mobile banking.<\/li>\n\n\n\n<li><strong>Digital Public Infrastructure (DPI):<\/strong> Systems like Aadhaar (digital identity), UPI (Unified Payments Interface), and ONDC (Open Network for Digital Commerce). The article mentions <strong>UPI<\/strong> in the context of fraud, noting that some may view &#8220;UPI fraud is the fault of the government&#8221;.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p><strong><u>Digital Frauds and Various Ways of Frauds:<\/u><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Digital frauds are deceptive practices in the digital realm to illegally obtain money, data, or personal information. The article mentions a &#8220;frightening surge in criminal activity, from <strong>illegal loan apps to \u201cdigital arrest\u201d scams<\/strong>&#8220;.<\/li>\n\n\n\n<li><strong>&#8220;Digital arrest&#8221;<\/strong> is a specific fraud category mentioned in Bengaluru&#8217;s fraud data.<\/li>\n\n\n\n<li><strong>&#8220;Investment fraud&#8221;<\/strong> is another major category highlighted.<\/li>\n\n\n\n<li>Other common methods of fraud include <strong>phishing<\/strong> (impersonating a legitimate entity to steal data), <strong>OTP-based scams<\/strong> (tricking victims into sharing a one-time password), and scams related to cards and payment accounts. The article mentions that the &#8220;choke points are transactions across payment accounts in sending and receiving institutions&#8221; and that the problem is more than just a card or an OTP.<\/li>\n<\/ul>\n\n\n\n<p><strong>How do these frauds affect the economy?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Financial Loss:<\/strong> The most direct impact is a significant financial loss to individuals, businesses, and the economy as a whole.<\/li>\n\n\n\n<li><strong>Erosion of Trust:<\/strong> A surge in fraud erodes public trust in the digital economy and formal financial systems, potentially discouraging individuals and businesses from adopting digital payments and services.<\/li>\n\n\n\n<li><strong>Reduced Economic Dynamism:<\/strong> The article warns against government micro-management, which can &#8220;interfere in economic dynamism&#8221;.<\/li>\n\n\n\n<li><strong>Negative Externalities:<\/strong> As Ross Anderson, a security economics expert, points out, &#8220;internet security has elements of a public good. One insecure machine can create costs for others (the market failure of negative externalities)&#8221;.<\/li>\n\n\n\n<li><strong>Strained Law Enforcement and Regulatory Resources:<\/strong> Law enforcement, regulators, and financial institutions have to divert resources to combat fraud, which could be used for other productive purposes.<\/li>\n<\/ul>\n\n\n\n<p><strong>Credible Datapoints on Digital Frauds in India:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>One headline reports a significant loss of <strong>\u20b922,845 crore in 3.6 million cases in 2024<\/strong>, a <strong>42% rise in the number of incidents<\/strong>.<\/li>\n\n\n\n<li>However, a &#8220;recent reply in the Lok Sabha claimed a loss of a mere <strong>\u20b9580 crore in digital-payment frauds over five years<\/strong>&#8220;.<\/li>\n\n\n\n<li>This <strong>&#8220;mismatch in figures&#8221;<\/strong> highlights a <strong>&#8220;lack of clarity and a proper taxonomy for the fraud problem,&#8221;<\/strong> leading to ambiguity and understating the full scale of the problem.<\/li>\n<\/ul>\n\n\n\n<p><strong><u>Analysis of the Article: Decoding the Digital Fraud Problem and a Coordinated Way Forward<\/u><\/strong><\/p>\n\n\n\n<p>The article argues that India&#8217;s current, fragmented approach to digital fraud is inadequate and advocates for a coordinated national strategy based on three key ingredients.<\/p>\n\n\n\n<p><strong>1. The Problem with the Current Response:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Reactive and Fragmented:<\/strong> The current response is <strong>&#8220;reactive and fragmented&#8221;<\/strong>. The burden of loss falls primarily on the victim.<\/li>\n\n\n\n<li><strong>Stakeholder Inaction:<\/strong> There is a mismatch between what an individual can do and the complexity of the attacks.\n<ul class=\"wp-block-list\">\n<li><strong>Victim:<\/strong> The victim is left to manage the financial and emotional impact alone.<\/li>\n\n\n\n<li><strong>Regulators:<\/strong> May view the problem as less severe.<\/li>\n\n\n\n<li><strong>Banks:<\/strong> Often direct customers to the <strong>1930 helpline<\/strong>.<\/li>\n\n\n\n<li><strong>Law Enforcement:<\/strong> Have resource limitations and a hard time dedicating significant bandwidth to these cases.<\/li>\n\n\n\n<li><strong>Telecom Companies:<\/strong> May justify low effort due to low average revenue per user (ARPU).<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Ineffective Central Planning:<\/strong> The alternative of government micro-management through intricate regulations is a poor approach for a field as &#8220;complex and dynamic&#8221; as cybersecurity, and encourages the private sector to &#8220;shrug off responsibility&#8221;.<\/li>\n<\/ul>\n\n\n\n<p><strong>2. The Way Forward: Three Ingredients for a National Strategy:<\/strong><\/p>\n\n\n\n<p><strong>Ingredient 1: Clarity on Loss Allocation (Shifting the Burden):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Rationale:<\/strong> When the victim bears the loss, other stakeholders have a low incentive to improve the system. Firms are &#8220;best-placed to understand the emerging threat environment, to continuously innovate on precisely how security will be done&#8221;.<\/li>\n\n\n\n<li><strong>RBI&#8217;s Framework (Complex):<\/strong> While RBI\u2019s framework for limiting customer liability is a step in the right direction, its complexity and &#8220;de facto reliance on customers to prove their innocence often undermines its intent&#8221;.<\/li>\n\n\n\n<li><strong>Lessons from Abroad (Singapore &amp; UK):<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Singapore&#8217;s &#8220;waterfall&#8221; model:<\/strong> Assigns responsibility to the party best-positioned to handle it, with the <strong>financial service provider (FSP)<\/strong> as the primary custodian. If the FSP fails its duties (e.g., not providing transaction notifications), it pays up. If not, the responsibility shifts to the telecom company.<\/li>\n\n\n\n<li><strong>UK&#8217;s &#8220;Authorised Push Payment&#8221;:<\/strong> Mandates a <strong>50:50 reimbursement split<\/strong> between the sending and receiving payment service providers, ensuring the victim is reimbursed promptly and encouraging both ends of the transaction chain to be proactive.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p><strong>Ingredient 2: Coordinated State Action (Addressing Fragmentation):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The Problem:<\/strong> The issue involves the &#8220;economics complex (the finance ministry and the RBI), the online ecosystem (the telecom regulator, telcos, and payment platforms), and the security complex (police, cyber cells, etc)&#8221; with <strong>low coordination<\/strong>.<\/li>\n\n\n\n<li><strong>The Solution:<\/strong> A well-coordinated response would include <strong>clear work allocation and cooperation<\/strong>. This would facilitate real-time information sharing, building analytics to identify threats, and launching &#8220;coordinated and targeted law-enforcement efforts&#8221;.<\/li>\n\n\n\n<li><strong>Need for Taxonomy:<\/strong> Without a <strong>&#8220;clear taxonomy&#8221;<\/strong> (standardized definitions), participants cannot effectively share intelligence or accurately measure new threats.<\/li>\n<\/ul>\n\n\n\n<p><strong>Ingredient 3: An Expert Group<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>To implement these changes, the article proposes setting up an <strong>&#8220;expert group&#8230; to form a national strategy on digital fraud&#8221;<\/strong>.<\/li>\n\n\n\n<li><strong>Objectives of the Expert Group:<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Define a National Strategy:<\/strong> Including a clear taxonomy, data-sharing protocols, and necessary legal and organizational changes.<\/li>\n\n\n\n<li><strong>Design Coordination Mechanisms:<\/strong> Assign clear responsibilities between the economics and security complexes.<\/li>\n\n\n\n<li><strong>Provide a Project Plan:<\/strong> With specific timelines and milestones for the coming two years.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>In conclusion, India&#8217;s digital economy is under threat from an alarming rise in fraud, a problem currently exacerbated by a fragmented and reactive response. The article argues that a fundamental shift is needed, away from blaming victims and towards a national, coordinated strategy. By re-allocating the financial burden to firms, implementing a clear fraud taxonomy, and establishing an expert group to lead this effort, India can build a collective, proactive defence that leverages market incentives and strengthens its digital security infrastructure.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><strong>Are you preparing for the RBI Grade B exam 2025? If so, it&#8217;s ideal time to start and accelerate your exam preparation. The notification can be out anytime soon! <\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><strong><a href=\"https:\/\/www.practicemock.com\/?next=https%3A%2F%2Fwww.practicemock.com%2Fs1pricing%2Findex.php%3Fc%3Drbi25&amp;ref=13851\" target=\"_blank\" rel=\"noreferrer noopener\">Start preparing with the course that best suits you below!<\/a><\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.practicemock.com\/?next=https%3A%2F%2Fwww.practicemock.com%2Fs1pricing%2Findex.php%3Fc%3Drbi25&amp;ref=13851\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1141\" height=\"620\" src=\"https:\/\/www.practicemock.com\/blog\/wp-content\/uploads\/2025\/06\/How-to-Make-RBI-Grade-B-2025-Exam-Preparation-Notes-for-Phase-1-and-Phase-2.png\" alt=\"\" class=\"wp-image-154760\"\/><\/a><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">FAQs<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1754292715714\"><strong class=\"schema-faq-question\">What are digital frauds?<\/strong> <p class=\"schema-faq-answer\">Ans: Scams using digital platforms to steal money or data.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1754292716650\"><strong class=\"schema-faq-question\">\u0921\u093f\u091c\u093f\u091f\u0932 \u092b\u094d\u0930\u0949\u0921 \u0915\u094d\u092f\u093e \u0939\u094b\u0924\u0947 \u0939\u0948\u0902?<\/strong> <p class=\"schema-faq-answer\">\u0909\u0924\u094d\u0924\u0930: \u0911\u0928\u0932\u093e\u0907\u0928 \u0924\u0930\u0940\u0915\u094b\u0902 \u0938\u0947 \u092a\u0948\u0938\u0947 \u092f\u093e \u0921\u0947\u091f\u093e \u091a\u0941\u0930\u093e\u0928\u0947 \u0915\u0940 \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940\u0964<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1754292717942\"><strong class=\"schema-faq-question\">How much loss did India face due to digital frauds in 2024?<\/strong> <p class=\"schema-faq-answer\">Ans: India has lost Rs 22,845 crore in 3.6 million cases.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1754292718542\"><strong class=\"schema-faq-question\">2024 \u092e\u0947\u0902 \u092d\u093e\u0930\u0924 \u0915\u094b \u0921\u093f\u091c\u093f\u091f\u0932 \u092b\u094d\u0930\u0949\u0921 \u0938\u0947 \u0915\u093f\u0924\u0928\u093e \u0928\u0941\u0915\u0938\u093e\u0928 \u0939\u0941\u0906?<\/strong> <p class=\"schema-faq-answer\">\u0909\u0924\u094d\u0924\u0930: \u20b922,845 \u0915\u0930\u094b\u0921\u093c, 36 \u0932\u093e\u0916 \u092e\u093e\u092e\u0932\u094b\u0902 \u092e\u0947\u0902\u0964<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1754292815102\"><strong class=\"schema-faq-question\">What is a \u201cdigital arrest\u201d scam?<\/strong> <p class=\"schema-faq-answer\">Ans: Fake police or officials threaten arrest and demand money online.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1754292816510\"><strong class=\"schema-faq-question\">&#8220;\u0921\u093f\u091c\u093f\u091f\u0932 \u0905\u0930\u0947\u0938\u094d\u091f&#8221; \u0938\u094d\u0915\u0948\u092e \u0915\u094d\u092f\u093e \u0939\u0948?<\/strong> <p class=\"schema-faq-answer\">\u0909\u0924\u094d\u0924\u0930: \u0928\u0915\u0932\u0940 \u0905\u0927\u093f\u0915\u093e\u0930\u0940 \u0911\u0928\u0932\u093e\u0907\u0928 \u0927\u092e\u0915\u093e\u0915\u0930 \u092a\u0948\u0938\u0947 \u092e\u093e\u0902\u0917\u0924\u0947 \u0939\u0948\u0902\u0964<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1754292842727\"><strong class=\"schema-faq-question\">Who bears the loss in most digital frauds?<\/strong> <p class=\"schema-faq-answer\">Ans: Usually, the victim bears the full loss.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1754292874792\"><strong class=\"schema-faq-question\">\u0921\u093f\u091c\u093f\u091f\u0932 \u092b\u094d\u0930\u0949\u0921 \u092e\u0947\u0902 \u0928\u0941\u0915\u0938\u093e\u0928 \u0915\u093f\u0938\u0947 \u0909\u0920\u093e\u0928\u093e \u092a\u0921\u093c\u0924\u093e \u0939\u0948?<\/strong> <p class=\"schema-faq-answer\">\u0909\u0924\u094d\u0924\u0930: \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u092a\u0940\u0921\u093c\u093f\u0924 \u0915\u094b \u0939\u0940 \u0938\u093e\u0930\u093e \u0928\u0941\u0915\u0938\u093e\u0928 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1754292892534\"><strong class=\"schema-faq-question\">What is the government\u2019s response?<\/strong> <p class=\"schema-faq-answer\">Ans: India&#8217;s fight against digital fraud is not well organized. Many tools exist, like 1930 and Sanchar Saathi, but they don\u2019t work together. Experts say India needs one national plan to stop and catch frauds faster.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1754292910263\"><strong class=\"schema-faq-question\">\u0938\u0930\u0915\u093e\u0930 \u0915\u0940 \u092a\u094d\u0930\u0924\u093f\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u094d\u092f\u093e \u0939\u0948?<\/strong> <p class=\"schema-faq-answer\">\u0909\u0924\u094d\u0924\u0930: \u092d\u093e\u0930\u0924 \u0915\u0940 \u0921\u093f\u091c\u093f\u091f\u0932 \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 \u0915\u0947 \u0916\u093f\u0932\u093e\u092b \u0932\u0921\u093c\u093e\u0908 \u0905\u091a\u094d\u091b\u0940 \u0924\u0930\u0939 \u0938\u0947 \u0938\u0902\u0917\u0920\u093f\u0924 \u0928\u0939\u0940\u0902 \u0939\u0948\u0964 1930 \u0914\u0930 \u0938\u0902\u091a\u093e\u0930 \u0938\u093e\u0925\u0940 \u091c\u0948\u0938\u0947 \u0915\u0908 \u091f\u0942\u0932 \u0939\u0948\u0902, \u0932\u0947\u0915\u093f\u0928 \u0935\u0947 \u090f\u0915\u0938\u093e\u0925 \u0915\u093e\u092e \u0928\u0939\u0940\u0902 \u0915\u0930\u0924\u0947\u0964 \u0935\u093f\u0936\u0947\u0937\u091c\u094d\u091e \u0915\u0939\u0924\u0947 \u0939\u0948\u0902 \u0915\u093f \u092d\u093e\u0930\u0924 \u0915\u094b \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 \u0930\u094b\u0915\u0928\u0947 \u0914\u0930 \u092a\u0915\u0921\u093c\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u092f\u094b\u091c\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1754292927230\"><strong class=\"schema-faq-question\">How can digital frauds be reduced?<\/strong> <p class=\"schema-faq-answer\">Ans: By sharing responsibility between banks, telcos, and law enforcement.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1754292948989\"><strong class=\"schema-faq-question\">\u0921\u093f\u091c\u093f\u091f\u0932 \u092b\u094d\u0930\u0949\u0921 \u0915\u0948\u0938\u0947 \u0918\u091f\u093e\u090f \u091c\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902?<\/strong> <p class=\"schema-faq-answer\">\u0909\u0924\u094d\u0924\u0930: \u092c\u0948\u0902\u0915, \u091f\u0947\u0932\u093f\u0915\u0949\u092e \u0914\u0930 \u092a\u0941\u0932\u093f\u0938 \u0915\u094b \u092e\u093f\u0932\u0915\u0930 \u0915\u093e\u092e \u0915\u0930\u0928\u093e \u0939\u094b\u0917\u093e\u0964<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1754292959287\"><strong class=\"schema-faq-question\">Is UPI safe from digital frauds?<\/strong> <p class=\"schema-faq-answer\">Ans: UPI is secure, but fraud happens if users share OTPs or click fake links.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1754292975975\"><strong class=\"schema-faq-question\">\u0915\u094d\u092f\u093e UPI \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0939\u0948?<\/strong> <p class=\"schema-faq-answer\">\u0909\u0924\u094d\u0924\u0930: \u0939\u093e\u0902, \u0932\u0947\u0915\u093f\u0928 OTP \u092f\u093e \u0932\u093f\u0902\u0915 \u0936\u0947\u092f\u0930 \u0915\u0930\u0928\u0947 \u0938\u0947 \u092b\u094d\u0930\u0949\u0921 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>India saw \u20b922,845 crore lost to digital frauds in 2024. This blog explains the problem, the weak response, and what a strong national strategy should include.<\/p>\n","protected":false},"author":6,"featured_media":164728,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[4022],"tags":[],"class_list":["post-164715","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vishleshan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Vishleshan for Regulatory Exams, 4th August 2025:\u00a0Digital Frauds<\/title>\n<meta name=\"description\" content=\"Learn about rising digital frauds in India, key stats, 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for Regulatory Exams, 1st August 2025\u00a0Digital Frauds"},{"@type":"BreadcrumbList","@id":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.practicemock.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Vishleshan","item":"https:\/\/www.practicemock.com\/blog\/category\/vishleshan\/"},{"@type":"ListItem","position":3,"name":"Digital Frauds in India \u2013 August 2025"}]},{"@type":"WebSite","@id":"https:\/\/www.practicemock.com\/blog\/#website","url":"https:\/\/www.practicemock.com\/blog\/","name":"Practicemock","description":"Practice | Analyse | Excel","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.practicemock.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.practicemock.com\/blog\/#\/schema\/person\/e4111a7164b53ee316016677ed682e00","name":"Asad Yar Khan","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.practicemock.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/1766f8d3c0644953da6c63e1ec69ea6432922e3d3f6cfe6ad3d7fc532ce4a66a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/1766f8d3c0644953da6c63e1ec69ea6432922e3d3f6cfe6ad3d7fc532ce4a66a?s=96&d=mm&r=g","caption":"Asad Yar Khan"},"description":"Asad specializes in penning and overseeing blogs on study strategies, exam techniques, and key strategies for SSC, banking, regulatory body, engineering, and other competitive exams. During his 3+ years' stint at PracticeMock, he has helped thousands of aspirants gain the confidence to achieve top results. In his free time, he either transforms into a sleep lover, devours books, or becomes an outdoor enthusiast.","url":"https:\/\/www.practicemock.com\/blog\/author\/asad-khanpracticemock-com\/"},{"@type":"Question","@id":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292715714","position":1,"url":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292715714","name":"What are digital frauds?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ans: Scams using digital platforms to steal money or data.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292716650","position":2,"url":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292716650","name":"\u0921\u093f\u091c\u093f\u091f\u0932 \u092b\u094d\u0930\u0949\u0921 \u0915\u094d\u092f\u093e \u0939\u094b\u0924\u0947 \u0939\u0948\u0902?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"\u0909\u0924\u094d\u0924\u0930: \u0911\u0928\u0932\u093e\u0907\u0928 \u0924\u0930\u0940\u0915\u094b\u0902 \u0938\u0947 \u092a\u0948\u0938\u0947 \u092f\u093e \u0921\u0947\u091f\u093e \u091a\u0941\u0930\u093e\u0928\u0947 \u0915\u0940 \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940\u0964","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292717942","position":3,"url":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292717942","name":"How much loss did India face due to digital frauds in 2024?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ans: India has lost Rs 22,845 crore in 3.6 million cases.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292718542","position":4,"url":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292718542","name":"2024 \u092e\u0947\u0902 \u092d\u093e\u0930\u0924 \u0915\u094b \u0921\u093f\u091c\u093f\u091f\u0932 \u092b\u094d\u0930\u0949\u0921 \u0938\u0947 \u0915\u093f\u0924\u0928\u093e \u0928\u0941\u0915\u0938\u093e\u0928 \u0939\u0941\u0906?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"\u0909\u0924\u094d\u0924\u0930: \u20b922,845 \u0915\u0930\u094b\u0921\u093c, 36 \u0932\u093e\u0916 \u092e\u093e\u092e\u0932\u094b\u0902 \u092e\u0947\u0902\u0964","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292815102","position":5,"url":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292815102","name":"What is a \u201cdigital arrest\u201d scam?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ans: Fake police or officials threaten arrest and demand money online.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292816510","position":6,"url":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292816510","name":"\"\u0921\u093f\u091c\u093f\u091f\u0932 \u0905\u0930\u0947\u0938\u094d\u091f\" \u0938\u094d\u0915\u0948\u092e \u0915\u094d\u092f\u093e \u0939\u0948?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"\u0909\u0924\u094d\u0924\u0930: \u0928\u0915\u0932\u0940 \u0905\u0927\u093f\u0915\u093e\u0930\u0940 \u0911\u0928\u0932\u093e\u0907\u0928 \u0927\u092e\u0915\u093e\u0915\u0930 \u092a\u0948\u0938\u0947 \u092e\u093e\u0902\u0917\u0924\u0947 \u0939\u0948\u0902\u0964","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292842727","position":7,"url":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292842727","name":"Who bears the loss in most digital frauds?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ans: Usually, the victim bears the full loss.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292874792","position":8,"url":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292874792","name":"\u0921\u093f\u091c\u093f\u091f\u0932 \u092b\u094d\u0930\u0949\u0921 \u092e\u0947\u0902 \u0928\u0941\u0915\u0938\u093e\u0928 \u0915\u093f\u0938\u0947 \u0909\u0920\u093e\u0928\u093e \u092a\u0921\u093c\u0924\u093e \u0939\u0948?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"\u0909\u0924\u094d\u0924\u0930: \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u092a\u0940\u0921\u093c\u093f\u0924 \u0915\u094b \u0939\u0940 \u0938\u093e\u0930\u093e \u0928\u0941\u0915\u0938\u093e\u0928 \u0939\u094b\u0924\u093e \u0939\u0948\u0964","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292892534","position":9,"url":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292892534","name":"What is the government\u2019s response?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ans: India's fight against digital fraud is not well organized. Many tools exist, like 1930 and Sanchar Saathi, but they don\u2019t work together. Experts say India needs one national plan to stop and catch frauds faster.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292910263","position":10,"url":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292910263","name":"\u0938\u0930\u0915\u093e\u0930 \u0915\u0940 \u092a\u094d\u0930\u0924\u093f\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u094d\u092f\u093e \u0939\u0948?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"\u0909\u0924\u094d\u0924\u0930: \u092d\u093e\u0930\u0924 \u0915\u0940 \u0921\u093f\u091c\u093f\u091f\u0932 \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 \u0915\u0947 \u0916\u093f\u0932\u093e\u092b \u0932\u0921\u093c\u093e\u0908 \u0905\u091a\u094d\u091b\u0940 \u0924\u0930\u0939 \u0938\u0947 \u0938\u0902\u0917\u0920\u093f\u0924 \u0928\u0939\u0940\u0902 \u0939\u0948\u0964 1930 \u0914\u0930 \u0938\u0902\u091a\u093e\u0930 \u0938\u093e\u0925\u0940 \u091c\u0948\u0938\u0947 \u0915\u0908 \u091f\u0942\u0932 \u0939\u0948\u0902, \u0932\u0947\u0915\u093f\u0928 \u0935\u0947 \u090f\u0915\u0938\u093e\u0925 \u0915\u093e\u092e \u0928\u0939\u0940\u0902 \u0915\u0930\u0924\u0947\u0964 \u0935\u093f\u0936\u0947\u0937\u091c\u094d\u091e \u0915\u0939\u0924\u0947 \u0939\u0948\u0902 \u0915\u093f \u092d\u093e\u0930\u0924 \u0915\u094b \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 \u0930\u094b\u0915\u0928\u0947 \u0914\u0930 \u092a\u0915\u0921\u093c\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u092f\u094b\u091c\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292927230","position":11,"url":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292927230","name":"How can digital frauds be reduced?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ans: By sharing responsibility between banks, telcos, and law enforcement.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292948989","position":12,"url":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292948989","name":"\u0921\u093f\u091c\u093f\u091f\u0932 \u092b\u094d\u0930\u0949\u0921 \u0915\u0948\u0938\u0947 \u0918\u091f\u093e\u090f \u091c\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"\u0909\u0924\u094d\u0924\u0930: \u092c\u0948\u0902\u0915, \u091f\u0947\u0932\u093f\u0915\u0949\u092e \u0914\u0930 \u092a\u0941\u0932\u093f\u0938 \u0915\u094b \u092e\u093f\u0932\u0915\u0930 \u0915\u093e\u092e \u0915\u0930\u0928\u093e \u0939\u094b\u0917\u093e\u0964","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292959287","position":13,"url":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292959287","name":"Is UPI safe from digital frauds?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ans: UPI is secure, but fraud happens if users share OTPs or click fake links.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292975975","position":14,"url":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-4th-august-2025\/#faq-question-1754292975975","name":"\u0915\u094d\u092f\u093e UPI \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0939\u0948?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"\u0909\u0924\u094d\u0924\u0930: \u0939\u093e\u0902, \u0932\u0947\u0915\u093f\u0928 OTP \u092f\u093e \u0932\u093f\u0902\u0915 \u0936\u0947\u092f\u0930 \u0915\u0930\u0928\u0947 \u0938\u0947 \u092b\u094d\u0930\u0949\u0921 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"uagb_featured_image_src":{"full":["https:\/\/www.practicemock.com\/blog\/wp-content\/uploads\/2025\/08\/Vishleshan-for-Regulatory-Exams-1st-August-2025-Digital-Frauds.png",1200,675,false],"thumbnail":["https:\/\/www.practicemock.com\/blog\/wp-content\/uploads\/2025\/08\/Vishleshan-for-Regulatory-Exams-1st-August-2025-Digital-Frauds.png",150,84,false],"medium":["https:\/\/www.practicemock.com\/blog\/wp-content\/uploads\/2025\/08\/Vishleshan-for-Regulatory-Exams-1st-August-2025-Digital-Frauds.png",300,169,false],"medium_large":["https:\/\/www.practicemock.com\/blog\/wp-content\/uploads\/2025\/08\/Vishleshan-for-Regulatory-Exams-1st-August-2025-Digital-Frauds.png",640,360,false],"large":["https:\/\/www.practicemock.com\/blog\/wp-content\/uploads\/2025\/08\/Vishleshan-for-Regulatory-Exams-1st-August-2025-Digital-Frauds.png",640,360,false],"1536x1536":["https:\/\/www.practicemock.com\/blog\/wp-content\/uploads\/2025\/08\/Vishleshan-for-Regulatory-Exams-1st-August-2025-Digital-Frauds.png",1200,675,false],"2048x2048":["https:\/\/www.practicemock.com\/blog\/wp-content\/uploads\/2025\/08\/Vishleshan-for-Regulatory-Exams-1st-August-2025-Digital-Frauds.png",1200,675,false],"web-stories-poster-portrait":["https:\/\/www.practicemock.com\/blog\/wp-content\/uploads\/2025\/08\/Vishleshan-for-Regulatory-Exams-1st-August-2025-Digital-Frauds.png",640,360,false],"web-stories-publisher-logo":["https:\/\/www.practicemock.com\/blog\/wp-content\/uploads\/2025\/08\/Vishleshan-for-Regulatory-Exams-1st-August-2025-Digital-Frauds.png",96,54,false],"web-stories-thumbnail":["https:\/\/www.practicemock.com\/blog\/wp-content\/uploads\/2025\/08\/Vishleshan-for-Regulatory-Exams-1st-August-2025-Digital-Frauds.png",150,84,false]},"uagb_author_info":{"display_name":"Asad Yar Khan","author_link":"https:\/\/www.practicemock.com\/blog\/author\/asad-khanpracticemock-com\/"},"uagb_comment_info":0,"uagb_excerpt":"India saw \u20b922,845 crore lost to digital frauds in 2024. This blog explains the problem, the weak response, and what a strong national strategy should include.","_links":{"self":[{"href":"https:\/\/www.practicemock.com\/blog\/wp-json\/wp\/v2\/posts\/164715","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.practicemock.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.practicemock.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.practicemock.com\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.practicemock.com\/blog\/wp-json\/wp\/v2\/comments?post=164715"}],"version-history":[{"count":0,"href":"https:\/\/www.practicemock.com\/blog\/wp-json\/wp\/v2\/posts\/164715\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.practicemock.com\/blog\/wp-json\/wp\/v2\/media\/164728"}],"wp:attachment":[{"href":"https:\/\/www.practicemock.com\/blog\/wp-json\/wp\/v2\/media?parent=164715"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.practicemock.com\/blog\/wp-json\/wp\/v2\/categories?post=164715"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.practicemock.com\/blog\/wp-json\/wp\/v2\/tags?post=164715"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}