Today morning I got a call from unknown number. First time I didn't pick up my call and second time I pick up call I hear Congrats (robotic voice) and I hang up. I immediately got a message that a home loan is registered with axis bank with a reference ID. I checked the reference id on axis bank loan tracking page and someone indeed open home loan on my account. This type of scam loan opening is new and that too without any OTP generation. How to proceed against this scam before it hit my cibil. Here's the screenshots: