Fraud Risk Indicator

The Fraud Risk Indicator (FRI) is a government-integrated mobile number risk detection feature available in Cashfree RiskShield. It helps you proactively detect and manage fraud risks linked to mobile numbers flagged by Indian regulatory and enforcement agencies.

Data sources include:

• Department of Telecommunications (DoT)
• Indian Cybercrime Coordination Centre (I4C)
• Law Enforcement Agencies (LEAs)
• National Cybercrime Reporting Portal (cybercrime.gov.in)
• Banks and fintech partners

Data is refreshed daily to reflect the latest list of flagged mobile numbers. For more information, refer Official Press Release - DoT Fraud Number Registry.

Why this matters

Mobile numbers used in cybercrime or identity fraud often stay active for days or weeks after a fraud is committed. Fraudsters use these numbers to:

• Create new accounts on other platforms
• Abuse promotions or referral systems
• Bypass OTP checks with disposable SIMs
• Commit repeat payment fraud

FRI helps you detect these mobile numbers early — before they affect your platform — giving you a stronger defense against fraud.

Types of blacklisted mobile numbers

Fraud list	Description	Risk level	Recommended action
LEA Reported Cybercrime	Reported by police or I4C for scams, phishing, fraud.	Very High	Block
DoT Reported Fake/Forged Cases	SIMs obtained with forged or fraudulent documents.	Very High	Block
Subscriber Verification Non-Compliant	Non-compliant KYC cases flagged by TSPs or DoT.	Medium	Alert / Review
Disconnected (Zero Usage/Non-payment)	Dormant numbers flagged by telcos as suspicious.	Medium	Alert / Review
TSP Internal Analysis	Flagged by telecom providers using internal fraud checks.	Medium	Alert / Review
Others	High-risk numbers from banks, fintechs, or telcos.	Medium	Alert / Review

What you can do with FRI

• Block high-risk numbers at checkout. Stop known fraud SIMs from completing transactions.
• Review or alert medium-risk activity. Flag suspicious SIMs used for fake signups or mule accounts.
• Check past exposure. Identify how many flagged numbers transacted before you enabled FRI.
• Customize actions by list. Turn lists on or off and set actions like Block or Review.
• Auto-expire stale data. Mobile numbers expire automatically after 90 days to keep the list relevant.

Example use cases

Scenario	How FRI helps
Known fraudsters visit your platform for the first time	FRI detects and blocks high-risk transactions automatically.
A fraudster uses a forged SIM to create an account	FRI blocks the transaction using the DoT Fake/Forged list.
A dormant number is used for fake referrals	FRI flags it as medium risk for your review.
Historical audit	See how many flagged numbers transacted before FRI was active.

For help with onboarding, configuration, or interpreting flagged transactions, fill out the Support Form.