James retired from bank service as Senior Manager.
Got handsome retirement benefits.
He deposited around 5 Million in Mutual Funds and debt funds.
5 Million he kept in the SB account itself, as his pension was sufficient for him and his wife.
He included his wife’s name in his savings account and taught her online banking and the importance of OTP… He told her not to divulge OTP to anyone.
One evening James returned from a walk.
‘I forgot to take my mobile…By the way, anything important?’ he asked.
Wife said ‘Someone phoned from the bank’
‘Regarding OTP?’ He asked shockingly.
Wife said ‘You are smart. Of course, they wanted me to share the OTP as they wanted to convert our account from silver status to diamond status with more benefits my God..did you get an OTP? Did you share it?’
‘Of course..when it is the bank people calling how can I refuse?’
James slumped on the sofa. He immediately took the mobile, and logged into his bank account, with a heart pounding like a jet motor, murmuring you idiot… 5 Million gone.
But he was pleasantly surprised to see not only 5 Million was safe, but also the SB interest was added to it.
“Did you share the OTP correctly?” he asked the wife..
“Yes. But the bank people repeatedly said that it is not correct and asked me to re-check. I stood my ground.”
“What was the OTP?”
“It was 2404. Since it is a joint account, I ‘shared’ only my half of the OTP…. which is 1202”.