NRIs can use Indian mobile numbers abroad for banking by managing OTP delays and SIM deactivation

NRIs often face banking access issues abroad due to reliance on Indian mobile numbers for OTPs, leading to transaction delays and potential SIM deactivation. Indian banking systems heavily depend on domestic mobile numbers for transactions, KYC, and portal access. While some banks support international numbers and app-based authentication, maintaining an active Indian SIM remains crucial for many. To mitigate issues, NRIs can keep their Indian SIM active with international roaming and periodic recharges, or opt for app-based authentication as a primary method with an international number as backup.