Bank Response Time Statistics Over ₹5L

Analysis of bank response times for transaction freezing requests. Banks are ranked by their performance in the "golden period" (0-6 hours). Filtered for transactions in the Over ₹5L range.

18 Banks
Two Categories of Bank Performance
1. Victim Account with Bank (own customer)

When the victim's account is held by the responding bank (Victim Account Details marked by NCRP). Measures how fast the bank responds to their own customer's fraud report.

2. Money Flow from Other Banks' Victims

When the bank is responding to money flow from victims of other banks (all other markings). Measures inter-bank coordination performance.


Delay Bins:
0-5 minutes 5 minutes - 1 hour 1 hour - 6 hours 6 hours - 1 day 1 day - 3 days More than 3 days

Golden Period (0-6 hours): The critical window where quick action can prevent further movement of fraudulent funds. Banks are ranked by their performance in this period.

When Victim Account is with Bank (own customer)
Victim Account Details marked by NCRP — response to own customer's fraud
Rank Bank Name Total Golden Period (0-6 hrs) 0-5 min 5 min - 1 hr 1 hr - 6 hrs 6 hrs - 1 day 1 day - 3 days > 3 days
No data for this category.
When Responding to Money Flow from Other Banks' Victims
Inter-bank coordination — response to money from victims of other banks
Rank Bank Name Total Golden Period (0-6 hrs) 0-5 min 5 min - 1 hr 1 hr - 6 hrs 6 hrs - 1 day 1 day - 3 days > 3 days
1 Bank of Baroda (Including Vijaya Bank and Dena Bank) 134
88.8% (119/134)
1.5% (2) 75.4% (101) 11.9% (16) 3.7% (5) 6.0% (8) 1.5% (2)
2 ICICI Bank 359
65.5% (235/359)
7.2% (26) 46.5% (167) 11.7% (42) 2.2% (8) 1.1% (4) 31.2% (112)
3 Yes Bank 281
60.5% (170/281)
3.6% (10) 27.8% (78) 29.2% (82) 6.4% (18) 2.9% (8) 30.3% (85)
4 Punjab National Bank (including Oriental Bank of Commerce and United Bank of India) 266
55.6% (148/266)
5.3% (14) 26.3% (70) 24.1% (64) 20.3% (54) 7.5% (20) 16.5% (44)
5 Bank of Maharashtra 151
55.6% (84/151)
2.7% (4) 21.2% (32) 31.8% (48) 10.6% (16) 4.0% (6) 29.8% (45)
6 HDFC Bank 293
55.0% (161/293)
3.4% (10) 31.7% (93) 19.8% (58) 3.4% (10) 1.4% (4) 40.3% (118)
7 IDFC First Bank 175
50.9% (89/175)
1.1% (2) 22.3% (39) 27.4% (48) 6.9% (12) 2.3% (4) 40.0% (70)
8 Ratnakar Bank Limited (RBL) 136
44.1% (60/136)
1.5% (2) 25.0% (34) 17.7% (24) 5.9% (8) 10.3% (14) 39.7% (54)
9 Federal Bank 262
42.0% (110/262)
4.6% (12) 19.9% (52) 17.6% (46) 8.4% (22) 3.1% (8) 46.6% (122)
10 Axis Bank 461
34.3% (158/461)
0.0% (0) 20.0% (92) 14.3% (66) 9.5% (44) 6.1% (28) 50.1% (231)
11 AU Bank 330
33.3% (110/330)
0.0% (0) 26.1% (86) 7.3% (24) 2.4% (8) 3.0% (10) 61.2% (202)
12 Bandhan Bank 268
32.8% (88/268)
1.5% (4) 24.6% (66) 6.7% (18) 12.7% (34) 11.9% (32) 42.5% (114)
13 State Bank of India 431
31.6% (136/431)
2.8% (12) 20.4% (88) 8.4% (36) 7.2% (31) 6.7% (29) 54.5% (235)
14 IndusInd Bank 595
27.6% (164/595)
1.7% (10) 14.6% (87) 11.3% (67) 9.1% (54) 2.7% (16) 60.7% (361)
15 UCO Bank 194
24.7% (48/194)
1.0% (2) 13.4% (26) 10.3% (20) 11.3% (22) 9.3% (18) 54.6% (106)
16 Kotak Mahindra Bank 176
21.0% (37/176)
5.7% (10) 8.0% (14) 7.4% (13) 8.0% (14) 6.8% (12) 64.2% (113)
17 Punjab National Bank 165
0.0% (0/165)
0.0% (0) 0.0% (0) 0.0% (0) 0.0% (0) 0.0% (0) 100.0% (165)
18 Ratnakar Bank Limited 113
0.0% (0/113)
0.0% (0) 0.0% (0) 0.0% (0) 0.0% (0) 0.0% (0) 100.0% (113)