India continues to face one of the highest levels of digital fraud risk worldwide. TransUnion’s Top Fraud Trends Report indicates that in 2025, 7.1 per cent of consumer digital transactions in the country were flagged as suspected fraud, almost twice the global average of 3.8 per cent.
By industry, logistics recorded the highest suspected digital fraud rate at 16.3 per cent, with telecommunications next at 14.7 per cent and insurance at 11.5 per cent.
TransUnion stated that these sectors are especially at risk because their dependence on real-time interactions, distributed networks, and high-volume transactions opens the door for fraudsters to exploit weaknesses in identity verification and authentication.
The report underscored a wider move toward identity-based fraud, with attackers more frequently focusing on genuine customer accounts.
| Industry | Attempts (%) | Chg % Y-o-Y (by volume) |
| Logistics | 16.3 | 0.31 |
| Telecommunications | 14.7 | 3.08 |
| Insurance | 11.5 | 1.45 |
| Gaming (online sports, poker, etc) | 9.6 | -36 |
| Communities (online dating, forums, etc) | 4.7 | -21 |
| Financial services | 2.6 | -65 |
| Retail | 2.5 | -99 |
| Travel & leisure | 0.5 | -68 |
In contrast to the global trend, where opening a new account is usually the riskiest step in the digital customer journey, India saw the greatest fraud risk at the account login stage, with 3.9 per cent of transactions identified as potentially fraudulent. This was followed by the account creation stage, at 3.1 per cent, and financial transactions, at 1.2 per cent.
The report shows that criminals are increasingly using stolen credentials to take over existing accounts, underscoring the need for businesses to strengthen identity verification and fraud prevention controls at both the onboarding stage and during user logins.