Account takeover
OTP / SIM swap
A caller posing as a bank or courier asks for an OTP, then drains UPI, wallets, or linked cards.
Warning signs
- 01
They call about a failed delivery, a KYC update, or a suspicious transaction you did not make.
- 02
They ask you to read out an OTP, or to share the SMS that just arrived.
- 03
Your phone suddenly loses network while they say the SIM is being “verified”.
- 04
UPI or wallet alerts start for payments you did not start.
- 05
They already know the bank name, which is not proof they work there.
No bank, courier, or wallet will ever ask you to read an OTP aloud.