A sudden loss of calls, SMS and mobile data isn’t proof of a SIM swap. But if you also receive an unexpected SIM or eSIM activation notice, password reset or banking alert, contact your mobile operator and bank immediately from another trusted device. In a SIM takeover, someone else may receive calls and texts meant for your number.
Ask the operator to verify the change
- Use the carrier’s official website, app or a store to get support. Avoid a phone number sent in an unexpected alert.
- Ask whether a SIM replacement, eSIM activation or port request occurred. If it wasn’t yours, ask the operator to block the unauthorised SIM and explain how to regain control of the number.
- Keep the time, any confirmation messages and the complaint reference. The operator may require you to verify your identity in person.
If other subscribers nearby are also offline, there may be a network outage. If you recently requested a replacement yourself and still control the number, see our UPI guide for legitimate phone and SIM changes.
Secure payments and account recovery
Contact your bank through its official fraud channel. Explain the possible SIM takeover and ask which digital channels need to be blocked. Check recent transactions and report anything unauthorised. If money moved, call 1930 and report it at cybercrime.gov.in. The RBI’s digital banking guidance covers safeguards and reporting.
From a trusted device, secure your primary email, review signed-in devices and check recovery methods for important accounts. Where supported, consider a passkey or authenticator rather than relying only on SMS. After the carrier restores service, confirm calls and texts work and check financial accounts for changes before resuming payments.
