Analysis of bank response times for transaction freezing requests. Banks are ranked by their performance in the "golden period" (0-6 hours).
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.
When the bank is responding to money flow from victims of other banks (all other markings). Measures inter-bank coordination performance.
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.
| 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. | |||||||||
| 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 | DCB Bank (Development Credit Bank) | 317 |
95.0%
(301/317)
|
27.1% (86) | 51.4% (163) | 16.4% (52) | 1.3% (4) | 0.0% (0) | 3.8% (12) |
| 2 | Sarva Haryana Gramin Bank (including Haryana Gramin Bank) | 288 |
86.1%
(248/288)
|
9.7% (28) | 38.9% (112) | 37.5% (108) | 8.3% (24) | 2.8% (8) | 2.8% (8) |
| 3 | Indian Bank (including Allahabad Bank) | 5026 |
83.2%
(4183/5026)
|
3.5% (175) | 66.7% (3354) | 13.0% (654) | 6.8% (343) | 4.0% (203) | 5.9% (297) |
| 4 | Punjab National Bank (including Oriental Bank of Commerce and United Bank of India) | 12359 |
79.1%
(9776/12359)
|
12.7% (1564) | 54.2% (6695) | 12.3% (1517) | 10.0% (1241) | 4.8% (595) | 6.0% (747) |
| 5 | Canara Bank (including Syndicate Bank) | 7839 |
76.7%
(6011/7839)
|
6.7% (524) | 55.4% (4346) | 14.6% (1141) | 8.7% (682) | 4.2% (328) | 10.4% (818) |
| 6 | Catholic Syrian Bank LTD. (CSB) | 221 |
75.6%
(167/221)
|
3.6% (8) | 44.8% (99) | 27.2% (60) | 15.4% (34) | 3.6% (8) | 5.4% (12) |
| 7 | Payu | 934 |
69.9%
(653/934)
|
0.2% (2) | 59.1% (552) | 10.6% (99) | 7.7% (72) | 3.9% (36) | 18.5% (173) |
| 8 | Union Bank of India( including Andhra Bank and Corporation Bank) | 6846 |
69.9%
(4783/6846)
|
3.5% (238) | 55.1% (3773) | 11.3% (772) | 12.4% (850) | 9.8% (670) | 7.9% (543) |
| 9 | South Indian Bank | 2974 |
66.8%
(1986/2974)
|
1.4% (41) | 38.9% (1157) | 26.5% (788) | 1.6% (46) | 0.1% (2) | 31.6% (940) |
| 10 | Rajasthan Gramin Bank (including Rajasthan Marudhara and Baroda Rajasthan Kshetriya Gramin Bank) | 387 |
65.9%
(255/387)
|
5.7% (22) | 40.1% (155) | 20.2% (78) | 10.9% (42) | 8.3% (32) | 15.0% (58) |
| 11 | Bank of Baroda (Including Vijaya Bank and Dena Bank) | 9904 |
65.2%
(6453/9904)
|
5.6% (552) | 46.3% (4590) | 13.2% (1311) | 17.5% (1735) | 9.2% (906) | 8.2% (810) |
| 12 | Ujjivan Small Finance Bank Ltd | 1201 |
63.5%
(762/1201)
|
2.8% (33) | 39.4% (473) | 21.3% (256) | 4.0% (48) | 1.0% (12) | 31.6% (379) |
| 13 | Google Pay | 4064 |
61.8%
(2512/4064)
|
4.2% (172) | 39.4% (1601) | 18.2% (739) | 17.1% (696) | 5.2% (210) | 15.9% (646) |
| 14 | Dhanlaxmi Bank | 183 |
60.1%
(110/183)
|
9.8% (18) | 44.3% (81) | 6.0% (11) | 1.1% (2) | 1.1% (2) | 37.7% (69) |
| 15 | Mobikwik | 638 |
59.6%
(380/638)
|
2.2% (14) | 34.5% (220) | 22.9% (146) | 12.9% (82) | 3.1% (20) | 24.5% (156) |
| 16 | DBS Bank (Including Lakshmi Vilas Bank) | 535 |
59.1%
(316/535)
|
7.5% (40) | 42.4% (227) | 9.2% (49) | 8.8% (47) | 4.5% (24) | 27.7% (148) |
| 17 | NORTH EAST SMALL FINANCE BANK | 1027 |
58.3%
(599/1027)
|
38.8% (398) | 11.7% (120) | 7.9% (81) | 6.8% (70) | 0.8% (8) | 34.1% (350) |
| 18 | Amazon Pay | 342 |
57.9%
(198/342)
|
0.0% (0) | 34.5% (118) | 23.4% (80) | 9.9% (34) | 3.5% (12) | 28.7% (98) |
| 19 | Standard Chartered Bank | 217 |
57.6%
(125/217)
|
0.0% (0) | 38.7% (84) | 18.9% (41) | 2.8% (6) | 0.9% (2) | 38.7% (84) |
| 20 | ESAF Small Finance Bank | 559 |
55.5%
(310/559)
|
0.0% (0) | 39.0% (218) | 16.5% (92) | 3.0% (17) | 1.1% (6) | 40.4% (226) |
| 21 | Ratnakar Bank Limited (RBL) | 5713 |
54.3%
(3103/5713)
|
2.9% (166) | 28.2% (1612) | 23.2% (1325) | 14.4% (823) | 9.6% (551) | 21.6% (1236) |
| 22 | Karur Vysya Bank | 1437 |
53.7%
(772/1437)
|
1.5% (21) | 40.3% (579) | 12.0% (172) | 5.7% (82) | 2.5% (36) | 38.1% (547) |
| 23 | HDFC Bank | 19493 |
52.6%
(10251/19493)
|
5.5% (1076) | 37.3% (7264) | 9.8% (1911) | 1.3% (243) | 0.8% (148) | 45.4% (8851) |
| 24 | UCO Bank | 6354 |
51.8%
(3292/6354)
|
2.7% (171) | 42.0% (2668) | 7.1% (453) | 4.2% (264) | 2.3% (148) | 41.7% (2650) |
| 25 | Jio Payments Bank Ltd | 4184 |
51.3%
(2148/4184)
|
17.0% (709) | 30.8% (1287) | 3.6% (152) | 3.0% (124) | 1.3% (56) | 44.4% (1856) |
| 26 | PhonePe | 5464 |
50.5%
(2757/5464)
|
3.8% (206) | 35.8% (1958) | 10.9% (593) | 10.6% (581) | 7.7% (421) | 31.2% (1705) |
| 27 | Cashfree | 165 |
49.7%
(82/165)
|
0.0% (0) | 12.1% (20) | 37.6% (62) | 27.9% (46) | 9.7% (16) | 12.7% (21) |
| 28 | IDFC First Bank | 4922 |
49.7%
(2446/4922)
|
0.6% (28) | 24.1% (1185) | 25.1% (1233) | 5.0% (244) | 1.5% (75) | 43.8% (2157) |
| 29 | Paytm | 4845 |
48.9%
(2367/4845)
|
2.1% (102) | 11.3% (549) | 35.4% (1716) | 23.6% (1142) | 6.9% (334) | 20.7% (1002) |
| 30 | Bank of India | 9013 |
48.1%
(4336/9013)
|
1.5% (133) | 33.8% (3049) | 12.8% (1154) | 5.6% (507) | 1.8% (158) | 44.5% (4012) |
| 31 | Bank of Maharashtra | 4667 |
47.4%
(2212/4667)
|
3.4% (160) | 34.8% (1626) | 9.1% (426) | 5.2% (244) | 1.7% (78) | 45.7% (2133) |
| 32 | Fincare Small Finance Bank | 292 |
45.2%
(132/292)
|
3.4% (10) | 24.7% (72) | 17.1% (50) | 16.4% (48) | 6.2% (18) | 32.2% (94) |
| 33 | Central Bank of India | 6269 |
44.9%
(2812/6269)
|
3.6% (226) | 37.4% (2345) | 3.8% (241) | 4.9% (308) | 2.3% (147) | 47.9% (3002) |
| 34 | City Union Bank | 1116 |
42.1%
(470/1116)
|
5.6% (62) | 19.4% (216) | 17.2% (192) | 6.1% (68) | 4.3% (48) | 47.5% (530) |
| 35 | Bandhan Bank | 4464 |
42.1%
(1877/4464)
|
3.0% (134) | 30.6% (1365) | 8.5% (378) | 7.1% (316) | 3.6% (159) | 47.3% (2112) |
| 36 | Kotak Mahindra Bank | 14311 |
40.7%
(5827/14311)
|
17.7% (2534) | 13.5% (1926) | 9.6% (1367) | 6.8% (974) | 2.2% (318) | 50.3% (7192) |
| 37 | Bharat Pe | 1416 |
40.4%
(572/1416)
|
0.3% (4) | 12.2% (173) | 27.9% (395) | 23.0% (326) | 10.3% (146) | 26.3% (372) |
| 38 | ICICI Bank | 12895 |
39.7%
(5113/12895)
|
4.9% (632) | 30.6% (3951) | 4.1% (530) | 0.6% (76) | 0.3% (42) | 59.4% (7664) |
| 39 | Razorpay | 513 |
39.6%
(203/513)
|
0.4% (2) | 30.6% (157) | 8.6% (44) | 7.4% (38) | 3.5% (18) | 49.5% (254) |
| 40 | Federal Bank | 10808 |
39.5%
(4266/10808)
|
7.2% (783) | 22.9% (2475) | 9.3% (1008) | 6.5% (697) | 2.7% (290) | 51.4% (5555) |
| 41 | Airtel Payments Bank | 15783 |
39.0%
(6158/15783)
|
4.3% (683) | 30.1% (4750) | 4.6% (725) | 2.7% (430) | 0.9% (146) | 57.3% (9049) |
| 42 | Fino Payments Bank | 5029 |
38.9%
(1955/5029)
|
3.2% (161) | 28.4% (1430) | 7.2% (364) | 4.1% (206) | 0.4% (22) | 56.6% (2846) |
| 43 | HSBC Bank. | 160 |
38.8%
(62/160)
|
6.3% (10) | 21.3% (34) | 11.3% (18) | 16.3% (26) | 6.3% (10) | 38.8% (62) |
| 44 | Punjab & Sind Bank | 1614 |
37.8%
(610/1614)
|
2.0% (32) | 25.9% (418) | 9.9% (160) | 7.9% (127) | 5.7% (92) | 48.6% (785) |
| 45 | Saraswat Co-operative Bank Ltd. | 215 |
37.7%
(81/215)
|
0.0% (0) | 5.6% (12) | 32.1% (69) | 18.1% (39) | 5.6% (12) | 38.6% (83) |
| 46 | Suryoday Bank | 269 |
35.7%
(96/269)
|
14.1% (38) | 12.6% (34) | 8.9% (24) | 5.2% (14) | 0.0% (0) | 59.1% (159) |
| 47 | Tamilnad Mercantile Bank Ltd. | 721 |
35.4%
(255/721)
|
3.3% (24) | 13.9% (100) | 18.2% (131) | 8.2% (59) | 2.5% (18) | 54.0% (389) |
| 48 | Indian Overseas Bank | 7847 |
35.2%
(2758/7847)
|
1.4% (106) | 28.9% (2264) | 4.9% (388) | 6.5% (513) | 1.7% (134) | 56.6% (4442) |
| 49 | AU Bank | 4248 |
34.9%
(1482/4248)
|
2.6% (110) | 23.0% (977) | 9.3% (395) | 4.3% (182) | 4.7% (198) | 56.2% (2386) |
| 50 | Andhra Pradesh Grameena Vikas Bank | 126 |
34.1%
(43/126)
|
0.0% (0) | 21.4% (27) | 12.7% (16) | 12.7% (16) | 6.4% (8) | 46.8% (59) |
| 51 | IndusInd Bank | 15696 |
32.8%
(5143/15696)
|
4.0% (634) | 22.2% (3484) | 6.5% (1025) | 6.8% (1063) | 6.9% (1076) | 53.6% (8414) |
| 52 | CRED | 512 |
32.6%
(167/512)
|
0.8% (4) | 14.5% (74) | 17.4% (89) | 38.9% (199) | 5.5% (28) | 23.1% (118) |
| 53 | Utkarsh Small Finance Bank Limited | 609 |
30.9%
(188/609)
|
1.3% (8) | 14.6% (89) | 14.9% (91) | 11.5% (70) | 10.2% (62) | 47.5% (289) |
| 54 | Equitas Bank | 783 |
30.7%
(240/783)
|
0.5% (4) | 17.0% (133) | 13.2% (103) | 6.9% (54) | 4.3% (34) | 58.1% (455) |
| 55 | IDBI Bank | 4087 |
30.2%
(1233/4087)
|
10.3% (422) | 11.2% (456) | 8.7% (355) | 6.4% (263) | 4.9% (200) | 58.5% (2391) |
| 56 | Axis Bank | 18688 |
29.5%
(5512/18688)
|
2.5% (464) | 15.6% (2907) | 11.5% (2141) | 4.5% (843) | 2.3% (429) | 63.7% (11904) |
| 57 | Paytm Payment Bank | 2825 |
28.0%
(791/2825)
|
3.2% (90) | 12.8% (362) | 12.0% (339) | 9.0% (254) | 2.2% (61) | 60.9% (1719) |
| 58 | State Bank of India | 72301 |
27.9%
(20196/72301)
|
1.8% (1266) | 20.0% (14433) | 6.2% (4497) | 5.3% (3847) | 2.7% (1967) | 64.0% (46291) |
| 59 | Karnataka Bank Ltd | 2090 |
26.4%
(551/2090)
|
2.5% (52) | 11.7% (244) | 12.2% (255) | 10.5% (220) | 3.4% (70) | 59.8% (1249) |
| 60 | NSDL Payments Bank Ltd | 1506 |
25.6%
(386/1506)
|
1.2% (18) | 12.3% (185) | 12.2% (183) | 4.3% (64) | 1.9% (28) | 68.3% (1028) |
| 61 | The Gayatri Co-operative Urban Bank Ltd | 107 |
24.3%
(26/107)
|
3.7% (4) | 16.8% (18) | 3.7% (4) | 5.6% (6) | 15.0% (16) | 55.1% (59) |
| 62 | THE COSMOS CO-OP. BANK LTD. | 132 |
22.0%
(29/132)
|
0.8% (1) | 0.0% (0) | 21.2% (28) | 4.6% (6) | 0.0% (0) | 73.5% (97) |
| 63 | Jana Small Finance Bank - Jana Bank | 501 |
20.8%
(104/501)
|
0.4% (2) | 5.2% (26) | 15.2% (76) | 5.2% (26) | 11.0% (55) | 63.1% (316) |
| 64 | Andhra Pragathi Grameena Bank | 214 |
20.6%
(44/214)
|
0.9% (2) | 11.2% (24) | 8.4% (18) | 10.3% (22) | 8.4% (18) | 60.8% (130) |
| 65 | KERALA STATE CO-OPERATIVE BANK | 151 |
19.9%
(30/151)
|
2.7% (4) | 6.6% (10) | 10.6% (16) | 13.3% (20) | 9.3% (14) | 57.6% (87) |
| 66 | Jammu and Kashmir Bank | 3509 |
18.6%
(652/3509)
|
7.1% (250) | 8.9% (312) | 2.6% (90) | 2.7% (96) | 2.3% (80) | 76.4% (2681) |
| 67 | Billdesk | 642 |
18.2%
(117/642)
|
0.0% (0) | 4.4% (28) | 13.9% (89) | 6.1% (39) | 1.6% (10) | 74.1% (476) |
| 68 | UNITY SMALL FINANCE BANK | 178 |
18.0%
(32/178)
|
2.3% (4) | 10.1% (18) | 5.6% (10) | 5.6% (10) | 1.1% (2) | 75.3% (134) |
| 69 | India Post Payments Bank | 9293 |
16.8%
(1565/9293)
|
2.4% (223) | 8.7% (805) | 5.8% (537) | 4.2% (391) | 1.6% (147) | 77.4% (7190) |
| 70 | Maharashtra Gramin Bank | 242 |
14.5%
(35/242)
|
0.8% (2) | 7.4% (18) | 6.2% (15) | 11.6% (28) | 9.1% (22) | 64.9% (157) |
| 71 | Dakshin Bihar Gramin Bank | 105 |
13.3%
(14/105)
|
0.0% (0) | 5.7% (6) | 7.6% (8) | 9.5% (10) | 9.5% (10) | 67.6% (71) |
| 72 | Citi Bank | 279 |
13.3%
(37/279)
|
0.0% (0) | 2.9% (8) | 10.4% (29) | 7.9% (22) | 9.0% (25) | 69.9% (195) |
| 73 | Yes Bank | 26501 |
10.0%
(2660/26501)
|
3.5% (917) | 3.4% (907) | 3.2% (836) | 1.8% (469) | 0.7% (187) | 87.5% (23185) |
| 74 | TRI O TECH SOLUTIONS PRIVATE LIMITED | 226 |
7.1%
(16/226)
|
0.0% (0) | 3.5% (8) | 3.5% (8) | 0.9% (2) | 0.0% (0) | 92.0% (208) |
| 75 | Kerala Gramin Bank | 1325 |
5.7%
(76/1325)
|
0.9% (12) | 2.0% (26) | 2.9% (38) | 8.9% (118) | 4.1% (54) | 81.3% (1077) |
| 76 | Uttar Pradesh Gramin Bank | 581 |
2.1%
(12/581)
|
1.4% (8) | 0.3% (2) | 0.3% (2) | 0.3% (2) | 2.4% (14) | 95.2% (553) |
| 77 | Karnataka Grameena Bank | 291 |
2.1%
(6/291)
|
0.0% (0) | 0.0% (0) | 2.1% (6) | 0.0% (0) | 1.4% (4) | 96.6% (281) |
| 78 | Baroda Gujarat Gramin Bank | 100 |
2.0%
(2/100)
|
0.0% (0) | 2.0% (2) | 0.0% (0) | 2.0% (2) | 2.0% (2) | 94.0% (94) |
| 79 | Bajaj Finance Ltd. | 132 |
1.5%
(2/132)
|
0.0% (0) | 1.5% (2) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 98.5% (130) |
| 80 | Bank of Baroda | 11401 |
0.0%
(0/11401)
|
0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 100.0% (11401) |
| 81 | Canara Bank | 8478 |
0.0%
(0/8478)
|
0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 100.0% (8478) |
| 82 | Catholic Syrian Bank LTD. | 169 |
0.0%
(0/169)
|
0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 100.0% (169) |
| 83 | Chhattisgarh Rajya Gramin Bank | 105 |
0.0%
(0/105)
|
0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 100.0% (105) |
| 84 | DBS Bank | 261 |
0.0%
(0/261)
|
0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 100.0% (261) |
| 85 | DCB Bank | 106 |
0.0%
(0/106)
|
0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 100.0% (106) |
| 86 | Flipkart | 122 |
0.0%
(0/122)
|
0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 100.0% (122) |
| 87 | Indian Bank | 3909 |
0.0%
(0/3909)
|
0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 100.0% (3909) |
| 88 | PPIW0881822 One Mobikwik Systems Pvt Ltd. | 138 |
0.0%
(0/138)
|
0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 100.0% (138) |
| 89 | Punjab National Bank | 12078 |
0.0%
(0/12078)
|
0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 100.0% (12078) |
| 90 | Rajasthan Gramin Bank | 469 |
0.0%
(0/469)
|
0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 100.0% (469) |
| 91 | Rajasthan Marudhara Gramin Bank | 157 |
0.0%
(0/157)
|
0.0% (0) | 0.0% (0) | 0.0% (0) | 6.4% (10) | 6.4% (10) | 87.3% (137) |
| 92 | Ratnakar Bank Limited | 3013 |
0.0%
(0/3013)
|
0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 100.0% (3013) |
| 93 | RESILIENT INNOVATIONS PVT LTD | 130 |
0.0%
(0/130)
|
0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 100.0% (130) |
| 94 | Sarva Haryana Gramin Bank | 147 |
0.0%
(0/147)
|
0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 100.0% (147) |
| 95 | Union Bank of India | 6974 |
0.0%
(0/6974)
|
0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 0.0% (0) | 100.0% (6974) |