The insights, revealed in the company’s H1 2026 Top Fraud Trends Report, show that the nature of fraud in India is shifting from traditional payment scams to identity-driven attacks, with criminals seeking to compromise legitimate user credentials.
In contrast to global trends where account creation is the riskiest stage in the digital consumer journey, India experienced the highest fraud risk during account logins. Approximately 3.9% of account login transactions in India in 2025 were deemed potentially fraudulent, compared to 3.1% for account creation and 1.2% for financial transactions.
This trend indicates that cybercriminals are increasingly concentrating on accessing existing accounts with stolen or compromised credentials rather than generating new fraudulent accounts.
“Fraudsters are leveraging both consumer trust and emerging technologies,” remarked Natarajan Ramani, Head of TransUnion India Data Analytics Solutions (INDAS).
He emphasized that the scale and sophistication of fraudulent activities are escalating rapidly, necessitating businesses to implement more advanced, identity-centric fraud prevention tools.
When examined by industry, logistics emerged as the most susceptible sector in India, with 16.3% of transactions suspected to be attempts at digital fraud in 2025. The telecommunications sector followed closely with a fraud rate of 14.7%, while insurance faced an 11.5% rate.
The report suggests these sectors are particularly vulnerable due to their reliance on real-time interactions, distributed networks, and high-frequency digital transactions, which provide openings for fraudsters to take advantage of weaknesses in identity verification and authentication.
Anurag Anand, Head of Fraud Solutions at TransUnion India Data Analytics Solutions, stated that fraudsters are “moving upstream” by exploiting weaknesses during account creation and login processes while concealing identity manipulation until financial losses start to accumulate.
Additionally, the report highlighted that the telecommunications sector experienced the most significant rise in suspected digital fraud originating from India among the industries analyzed.
This analysis is based on intelligence gathered from TransUnion’s fraud prevention solutions across various markets, including India, the United States, the United Kingdom, and several nations in Asia, Africa, and Latin America.
