What Is the Financial Fraud Risk Indicator (FRI)?
The Financial Fraud Risk Indicator (FRI) is a fraud risk-classification framework developed by the Digital Intelligence Unit (DIU) under the Department of Telecommunications (DoT). It classifies accounts as Very High Risk, High Risk, or Medium Risk, helping banks identify potential fraud risks and take proactive action.
FRI intelligence is sourced from the National Cybercrime Reporting Portal (NCRP), DoT's Chakshu platform, and data shared by financial institutions, enabling early detection and prevention of cyber fraud.
What Powers FRI?
FRI consolidates risk signals from three sources:
NCRP
cybercrime complaints filed through the cybercrime portal
Chakshu
DoT's platform for reporting suspected fraud communication
MNRL (Mobile Number Revocation List)
Mobile numbers disconnected or flagged for fraudulent activities
Trust Fintech's Role
- Integrate the bank's CBS with DoT's FRI ecosystem.
- Implement secure API connectivity and authentication.
- Provide service to banks as an ASP
- Configure risk tagging and decisioning workflows.
- Enable monitoring, reporting, and compliance tracking.
- Provide onboarding, testing, deployment, and support.
What TFL Delivers
FRI API Integration
Secure onboarding with DoT's Digital Intelligence Platform (DIP)
Risk Decisioning Logic
Configurable response rules — alert, block, escalate, or log — per risk level
CBS & Channel Connectivity
Mapping FRI responses to your CBS, mobile banking, and internet banking channels
Audit & Compliance Logs
Full query-response trail for regulatory inspection
Feedback Loop
Sharing bank-side intelligence back to DoT's FRI system as mandated
Dashboard & Reporting
MIS on risk queries, flagged events, and blocked transactions.
Key Benefits for Banks
Proactive Fraud Prevention
Identify and act on high-risk accounts before fraud losses occur.
Early Detection of Mule Accounts
Detect accounts linked to suspected fraud networks and suspicious activities at an early stage.
Automated Risk Intelligence
Automate FRI data retrieval, account mapping, risk tagging, and alert generation with minimal manual effort.
Regulatory Compliance
Receive real-time status on taxpayer verification and compliance.
Reduced Fraud Losses
Enable faster intervention and account controls to minimize financial and reputational risk.
Improved Audit & Governance
Maintain complete audit trails, monitoring dashboards, and compliance-ready reports for regulatory reviews.
Strengthen Fraud Prevention with Trust Fintech's
FRI Integration Solution
Enable proactive fraud detection, automate risk monitoring, and support RBI compliance through seamless FRI integration.
01
Schedule a Call
We schedule a call at your convenience to understand your requirements.
02
Discovery Meeting
We do a discovery and consulting meeting to assess your institution’s needs.
03
Custom Proposal
We prepare a tailored proposal with implementation roadmap and pricing.
