Subhechcha Ganguly 
OTP is one of the most common ways of verifying user identity now a days . Weather we do any kind of transaction or even by something from an E – Commerce Website OTP is one of the most common ways for identification. Now let us talk about several frauds and scams that can spread awareness to the readers. Primarily one should always remember none of the registered banks ever ask for your personal OTP. Thus ,if any phone call comes and there is an executive who asks for your OTP you should be well aware that it is a scam and should avoid sharing OTP at any cost. Not only this you should also inform, the bank authorities and local police as soon as possible.
Secondly ,there are several websites which say that you have won certain prizes ,like a car or maybe some phone recharges and ask you the message details ,your credentials. They ask you ,the address credentials to make things look authentic and then they ask you OTP and use that to redeem money from your account. Several executives also say that they would get you interest free easy loans and keep asking your OTP from time to time. One should be very careful and avoid these kinds of people.
Subhechcha Ganguly
