Delhi Man Loses Several Lakhs in OTP-Free Cyber Fraud, Alarms Authorities

A Delhi resident lost several lakhs of rupees from his bank account in a shocking case of cyber fraud carried out without using any OTP or password. The victim noticed several unauthorized transactions even though he had never shared his banking details with anyone.

Officials say the fraud may have happened through advanced techniques that do not require OTPs. Criminals may have taken control of the victim’s device, misused SIM-linking, or exploited loopholes in banking app authorizations. Cyber experts warn that fraudsters are now using dangerous tools like remote access apps, session hijacking, malware, and token theft to enter accounts silently.

In some cases, attackers even control a phone’s notifications or manipulate backend systems to bypass normal security checks.

The victim has filed a complaint with the Delhi Police Cyber Cell. Police are now investigating the digital trail of the transactions. Banks have also been asked to review their logs and check for any technical weaknesses that could have allowed such unauthorized access.

Experts say this incident shows how cybercriminals are becoming more sophisticated and no longer depend only on phishing or fake calls. Authorities are urging the public not to install unknown apps, avoid screen-sharing, use strong phone security, and keep a close watch on their bank accounts.

This case adds to a growing number of OTP-free frauds happening across India. Officials say banks, telecom companies, and regulators need to strengthen multi-layered security systems and use advanced monitoring tools to protect people from these new forms of digital theft.