In value terms, frauds were concentrated in the advances category across the three years
FinTech BizNews Service
Mumbai, 29 May 2026: The Reserve Bank of India released its Annual Report for 2025-26 on 29 May 2026. It is a statutory report of its Central Board of Directors. The Report covers the working and functions of the Reserve Bank of India for the period April 2025 - March 2026.
SUPERVISION OF FINANCIAL INTERMEDIARIES Department of Supervision
The Department of Supervision of the RBI is entrusted with the responsibility of supervising all SCBs (excluding RRBs), LABs, payments banks (PBs), SFBs, CICs, AIFIs, UCBs, NBFCs [excluding housing finance corporations (HFCs)], and asset reconstruction companies (ARCs).
Commercial Banks
The Department took several measures to further strengthen both onsite and off-site supervision of the SCBs, LABs, PBs, and SFBs during the year.
The Department had set the following goals for 2025-26:
Digital services are important channels for servicing customers and ensuring resilience of these channels is of paramount importance. A framework will be devised with specific parameters for operational resilience of digital channels in REs;
● Issuance of guidelines on digital forensic readiness; and
● To provide a near-real-time view and analytics on the uptime of select digital services for the benefit of customers of banks, a dynamic online dashboard would be developed, and the banks would be onboarded in a phased manner.
Work on a Service Availability and Resilience Framework for digital banking channels is under progress. The framework is proposed to specify key resilience-related parameters for digital services offered by REs and shall be issued for public consultation prior to finalisation. VI.74 A set of baseline requirements on ‘Digital Forensic Readiness’ is under advanced stage of finalisation. VI.75 The online dashboard for real-time monitoring of banks’ service availability across select digital services is currently being evaluated under a pilot phase through Indian Banks’ Association (IBA), involving 10 banks.
Fraud Analysis
An assessment of bank group-wise fraud cases over the last three years indicates that although the number of frauds for public and private sectors banks have reduced, the amount involved has increased over the years. While number of frauds was highest under card / internet/digital payments category during 2023- 24 and 2024-25, advances category accounted for the largest share in 2025-26. In value terms, frauds were concentrated in the advances category across the three years.
