Fraudsters conducted unauthorized transactions without generating OTPs.

The attack may have involved SIM swapping, malware, or insider threats.

Victim only realized the fraud after updating her passbook at the bank.

Bihar: Woman Loses ₹53 Lakh Without OTP or Notification

• Modus Operandi: Cybercriminals withdrew ₹53,14,520 from the victim’s SBI account through multiple unauthorized transactions.
  
• Details:
  
  • The victim did not receive any OTPs or transaction alerts on her phone.
  • The fraudulent withdrawals were discovered when the victim visited the bank to update her passbook.
  • The victim filed a complaint with the bank and the cyber police.
  • Cyber experts suggest that such frauds typically require the victim to have either shared an OTP or clicked on a malicious link, although the victim denies such actions.