Your SIM got deactivated and your account was drained
SIM Swap / Clone
Both telecom AND bank are liable. Push both, hard.
What you should know
Both companies are liable
Your telecom operator issued a duplicate SIM without proper verification. They share liability with your bank. Push both, hard.
Telecom + Bank liableTRAI complaint
First moves
Reactivate your original SIM. Then check TAFCOP (tafcop.sancharsaathi.gov.in) for any other SIMs taken in your name.
RBI protection still applies
You did not authorise the takeover. RBI/2017-18/15 covers this. The bank email must cite both this AND telecom negligence.
Full refund possible
Do NOT do these
- Pay any "recovery" fee or middleman
- Share OTP, PIN, or CVV with anyone
- Delete messages, calls, or screenshots
- Reuse the same number for banking yet