FY26 mein bank fraud ka total amount badhkar **₹48,021 Crore** pahunch gaya hai. Par tension mat lo, asli kahani kuch aur hi hai. Cases toh kam hue hain, bas purane cases ki reporting ki wajah se ye data itna bada dikh raha hai.
Asli sach kya hai?
FY26 mein bank fraud ka total value ₹48,021 Crore report hua hai, jo ki FY25 ke ₹32,803 Crore se 46% zyada hai. Sunne mein yeh scary lag sakta hai, lekin total cases ka number 23,722 se ghatkar 10,114 par aa gaya hai.
Ye bada hua figure kyu hai?
Iska seedha sa matlab yeh nahi hai ki frauds badh gaye hain. Asal mein, banks ne purane cases (historical cases) ko bhi report kiya hai. Lagbhag 314 aise cases hain, jinki value ₹30,199 Crore hai, jo purane saalon se related the. Regulatory changes ki wajah se ye data ab reflect ho raha hai.
Kahan ho raha hai sabse bada fraud?
Sabse zyada dikkat digital payments ya cards mein nahi, balki 'Loans' mein hai. Total fraud value ka 85% yaani ₹40,774 Crore sirf loan categories se aaya hai. Digital fraud ke cases toh pichle saal ke 13,332 se gir kar sirf 293 par aa gaye hain.
Investors ko kya dhyan rakhna chahiye?
Public sector banks ismein sabse zyada involved hain, jinka total fraud value mein 74% yaani ₹35,709 Crore ka hissa hai.
- Provisioning Load: Jab fraud value badhti hai, toh banks ko zyada paisa side mein rakhna padta hai (provisions), jiska seedha asar unke Profit Margins par padta hai.
- RBI ka Dabaav: Reserve Bank of India (RBI) lagatar banks ko tight compliance aur better due diligence ke liye bol raha hai.
Investors ko ab ye track karna chahiye ki banks apne loan monitoring aur recovery process ko kitna fast sudhar rahe hain. Agar bank apni balance sheet se ye purane cases clear kar lete hain, toh aane wale quarters mein earnings par impact kam dikh sakta hai.