Is This Call Real?
Four rules to check while you are still on the phone
A real bank or government office never asks for your OTP.
Your OTP (the 6-digit number that comes by SMS) is a secret code that authorises transactions from your account. No one needs it except you. If any caller — including someone who sounds like your bank — asks for it, hang up.
If in doubt, hang up and call the official number yourself.
Look for the official number on the back of your bank card, on your bank's passbook, or on the government website. Do not call back the number that called you — scammers can spoof official-looking numbers on your caller ID.
A real caller will not pressure you to act immediately.
"Act now or your account will be blocked." "This is your last chance." "Do not put down the phone." These are pressure tactics. Real bank officials and government officers speak calmly and allow you time to think and verify.
Take your time. It is always safe to check first.
Tell any caller: "I would like to verify this with my family member and call you back on the official number." A real caller will say yes. A scammer will pressure you to stay on the line and act immediately.
Real call vs. scam call — spot the difference
What to say when you are not sure
Tick each one as you read it to remember it:
Save these numbers on your phone: