A rising call forwarding scam is targeting mobile users across India, allowing scammers to intercept OTPs, bank alerts, and verification calls by secretly redirecting incoming calls to another number. Unlike typical frauds, this method doesn’t require victims to share OTPs directly, which makes it harder to detect and more dangerous.

TL;DR

The call forwarding scam redirects your incoming calls to a scammer’s number, allowing them to receive OTPs and bank alerts. Never dial USSD codes suggested by callers. Check call forwarding settings regularly and report suspicious activity immediately.

How the call forwarding scam works

The scam usually starts with a phone call from someone claiming to be from customer care, a bank, or a telecom operator. The caller may mention SIM issues, network upgrades, KYC problems, or poor incoming call quality.

Victims are then asked to dial a USSD code, often beginning with *401* or similar sequences. These are genuine call forwarding commands. Once dialed, all incoming calls get forwarded to the scammer’s number.

From that moment, OTP calls, bank verification messages, and automated alerts reach the fraudster instead of the victim.

Why this scam is hard to spot

This call forwarding scam doesn’t rely on phishing links or fake apps. Even cautious users can fall for it because the instructions appear technical and urgent.

Many victims realize something is wrong only after:

• Bank accounts are drained
• Passwords are reset without consent
• Accounts are temporarily blocked due to suspicious activity

Warning signs you should not ignore

• You suddenly stop receiving incoming calls
• Banks say they tried calling but couldn’t reach you
• SMS alerts show call forwarding has been activated
• You miss OTP calls that never rang on your phone

Any one of these could indicate call forwarding abuse.

Official advisories and warnings

Authorities such as the Telecom Regulatory Authority of India and the Reserve Bank of India have warned users that no bank or telecom provider will ever ask customers to dial USSD codes over a phone call.

Users are also advised to treat OTPs and verification calls as confidential, even if they are received automatically.

What to do immediately if you suspect a call forwarding scam

Act fast. Every minute matters.

• Turn off call forwarding from your phone settings
• Contact your telecom operator and report the issue
• Inform your bank and block digital transactions if needed
• Change banking and app passwords
• File a complaint on the national cybercrime portal

Quick reporting can prevent further financial damage.

How to stay safe going forward

• Never dial USSD codes shared by unknown callers
• Regularly check call forwarding settings on your phone
• Enable SMS alerts for call forwarding changes
• Educate family members, especially seniors, about this scam

FAQs: Call forwarding scam

What is a call forwarding scam?

A call forwarding scam tricks users into redirecting their incoming calls to a scammer’s number. This lets fraudsters receive OTPs, bank alerts, and verification calls.

Do scammers need my OTP for this scam?

No. That’s what makes this scam risky. Once call forwarding is active, OTP calls go directly to the scammer without you sharing anything.

Can this happen on any mobile network?

Yes. Call forwarding is a standard telecom feature. The scam works across networks if the user dials the forwarding code.

How do I check if call forwarding is enabled?

Open your phone’s call settings and check call forwarding options. You can also dial *#21# to see the current status.

Who should I report this scam to?

Report it to your telecom operator, your bank, and file a complaint via the national cybercrime reporting portal.