You applied for the Ladki Bahin Yojana and waited for the e-KYC OTP. But it never came. Now you worry about missing the payout, especially with festivals around the corner.
This happens to many people. The good news: most problems are fixable. This guide gives plain steps you can try right now. It also shows how to escalate if the OTP still does not arrive. Short, clear, and friendly. Let’s solve it.
Quick checklist — try these first (takes 5 minutes)
Before calling anyone, run through this short list.
- Is your phone switched on and has signal?
- Is the mobile number linked to your Aadhaar and bank correct?
- Is your phone in Do Not Disturb mode? Turn it off.
- Do you have space in your SMS inbox? Delete old messages.
- Restart the phone. Simple restarts often clear issues.
If the OTP still doesn’t arrive, move to the next set of steps.
Why OTPs fail — simple reasons
Understanding causes helps you fix the issue faster.
- Wrong mobile number on file. If the government record has a different number, OTP goes elsewhere.
- Network delays. Busy networks can delay SMS for minutes or hours.
- DND or spam filters. Some phones block messages from unknown senders.
- Full inbox or phone settings. The phone might refuse new texts.
- System errors at the portal. Sometimes the e-KYC server has issues during peaks.
Most of these are quick to check and correct.
Step-by-step fixes for common problems
Try these in order. Each step is short and practical.
1 — Verify the registered mobile number
Ask the portal or help desk what number they have on file. If it is wrong, request correction. Keep proof like your Aadhar and bank passbook ready.
2 — Switch networks or move to an open area
If indoor signals are weak, step outside or near a window. If you have a second SIM from another operator, try it.
3 — Turn off DND and spam blocking
Open phone settings and temporarily disable Do Not Disturb. Check SMS apps for blocked senders and unblock them.
4 — Clear SMS inbox and restart
Delete old texts and reboot. This frees the phone to accept new OTPs.
5 — Ask for “resend OTP” and wait 5–10 minutes
Sometimes messages are delayed. Wait a short while before retrying.
6 — Try an alternate e-KYC method
If the app or website allows, pick offline KYC at a government service center or bank branch. This avoids SMS entirely.
7 — Visit the nearest help center or CSC
Local Common Service Centers help with e-KYC and can complete verification on your behalf. Carry original ID and a photocopy.
If nothing works: how to escalate (do this next)
When basic fixes don’t help, escalate calmly and record everything.
- Take screenshots of the error messages and note the dates and times you requested OTPs.
- Call the official helpline listed in your scheme notices or on the application portal. Ask for a complaint number.
- Visit your local scheme office or block office with ID and screenshots if calls do not help.
- Contact the bank branch where the benefit will be credited. Ask if your account details are valid and active.
- File a written grievance at the local nodal office if needed.
Always keep copies of documents and the complaint reference number. They help in follow up.
Sample scripts you can use (call or message)
Use these simple, polite scripts when you speak to staff or helplines.
Call to helpline or office:
Hello, my name is [Your Name]. I applied for Ladki Bahin Yojana and tried e-KYC today at [time]. I did not receive the OTP on my mobile. My application ID is [ID]. Could you please check the registered number and help resend the OTP? Thank you.
Message to local officer or CSC:
Namaste, I am [Name]. I applied for the benefits under Ladki Bahin. e-KYC OTP not received. I have screenshots. Please advise a time when I can visit the center for manual KYC. Contact: [phone number].
These short scripts keep the conversation focused and helpful.
Quick advice for bank and Aadhaar checks
- Confirm bank account is active. A dormant account may block payouts. A quick bank visit or a call solves this.
- Check Aadhaar mobile update status. If your Aadhaar number still lists an old phone, update it at an Aadhaar center.
- Bring original documents. When visiting centers, carry Aadhaar, bank passbook, and a photocopy of each.
These checks prevent payouts from failing even after successful e-KYC.
What to do if a payout is missed
If the payout date passes and you still have no money, follow these steps.
- Verify your application status in the portal or with the scheme office.
- Present OTP screenshots and complaint numbers to the office.
- Ask the office to trace the payment using your application ID and bank account number.
- If the payment shows failed, ask for re-processing and get a written note about next steps.
Keep a calm record of each interaction. This helps speed the correction.
Preventing OTP problems in future (simple tips)
These small habits reduce trouble later.
- Keep your mobile number up to date in Aadhaar and bank records.
- Use a primary smartphone for government messages and keep it charged.
- Add the scheme’s SMS sender to your contacts so it does not go to spam.
- Save screenshots and receipts until the payment is in your bank account.
A bit of care prevents big worries.
When to ask for help from local leaders
If many people in your area face the same issue, involve the local councillor or block officer. This is useful when technical glitches affect whole pockets or when service centers are overloaded.
Community pressure often speeds system fixes and raises the priority for re-processing payouts.
Final words — be persistent, stay calm
Not getting an e-KYC OTP is stressful. But most cases are fixable with a few clear steps. Start with phone checks and quick tweaks. If that fails, use the helplines and local service centers. Keep records. Ask for written confirmations. And if many are affected, work together with others in your locality to raise the issue.
Worried about missing a Diwali payout or festival money? Act now, use the steps above, and get help quickly. You are not alone in this. Small, calm steps often bring fast results.