Lost money to a fake bank call? Know your rights on unauthorised debits

Fraudsters posing as bank officials often push panicked customers to share OTPs or install malicious apps. In Remadevi T.L. v. State Bank of India, a retired teacher lost Rs 3.73 lakh in 2019 after an SMS warned her debit card would be blocked and a caller got her OTPs. She reported it 51 minutes later, highlighting customers' rights over unauthorised electronic transactions.