I shared an OTP fraudulently asked by a caller claiming to be from Kolkata bank; what do I do?

OTP fraud is prosecuted under Sections 66D of the IT Act for cheating by personation and 318(4) of the Bharatiya Nyaya Sanhita for cheating. Call your bank's helpline immediately to block the card and the transaction, and report the fraud to the Kolkata cyber police and the National Cyber Crime Helpline 1930. The RBI limited liability framework can cap your loss at zero if the report is made within three working days. The Calcutta High Court can direct the bank to reverse the transaction where the destination account can be traced and frozen. West Bengal Premises Tenancy Act 1997 consumer fora in Kolkata can award compensation for the bank's failure to flag a high-risk transaction. Preserve the call recording, the OTP request SMS and the bank's response to your complaint. Never share OTPs again, and enable transaction alerts on your phone to detect misuse instantly.