I already shared my OTP — what now?

Act within minutes: call your bank's fraud helpline (number on card or passbook), block debit/credit cards, disable UPI on all apps, and change net-banking passwords from a different trusted device. Check recent transactions for unauthorised transfers. File at cybercrime.gov.in with exact time and amount. Do not share another OTP with anyone claiming to 'help reverse' the fraud — that is a follow-up scam.