Scam calls in India are common. Callers pose as bank staff, courier companies, electricity boards or government officials, and they ask for an OTP, a card detail or remote access to your phone. Many people are caught because they react fast under pressure. The good news is that quick action in the first hour can often stop or recover the money.
The most common scams
- Fake bank or KYC calls: you are told your account will be blocked unless you update details.
- OTP scams: the caller asks you to read out a code “to verify” something.
- Remote access apps: you are asked to install an app such as AnyDesk or TeamViewer.
- Fake delivery or electricity bill messages: a link asks for payment.
If you already shared an OTP or card details
- Call 1930 immediately. This is the national cybercrime financial fraud helpline, and it works 24 hours a day.
- Call your bank and ask them to block your cards, net banking and UPI.
- Report at cybercrime.gov.in and keep the acknowledgement number.
- Change passwords for email, banking and shopping accounts.
- Keep screenshots of messages, numbers, transaction details and any app you were asked to install.
If you installed a remote access app
Turn off your phone’s internet connection, uninstall the app, and check your bank apps for any new payees or transactions. Then call your bank and 1930. Do not log in to banking apps while a remote app is still running.
How to avoid these calls
- Banks never ask for your OTP, PIN or CVV on a call.
- Hang up and call the official number printed on your card or the bank’s website.
- Never install an app because someone on the phone asked you to.
- Check unknown numbers on the TRAI DND or Truecaller-type apps before you answer.
Frequently asked questions
Is it too late if I already shared the OTP?
No. Call 1930 and your bank straight away. Quick reports give the best chance of stopping a transaction.
Can the police recover the money?
Sometimes, especially when the report is made quickly. Recovery depends on how fast the money moved and which bank accounts were used.
