What should you do immediately if money is debited via UPI or netbanking without an OTP?

1. Immediately call your bank fraud helpline to freeze your netbanking, UPI, and debit cards; 2. Call the National Cyber Crime Helpline at 1930 within the 'golden hour'; 3. Register an official incident report on cybercrime.gov.in; 4. Submit an unauthorized transaction liability claim to your bank branch within 3 days for full reimbursement under RBI guidelines.