SMS OTP verification in India is a widely adopted method to authenticate users during online transactions, registrations, or account logins. It entails sending a One-Time Password (OTP) via SMS to the user's registered mobile number. This OTP serves as a temporary access code, ensuring the user's identity and preventing unauthorized access. Indian businesses and services, complying with regulatory guidelines, leverage this method to bolster security in financial transactions, user registrations, and accessing sensitive information. The process involves generating a unique OTP, usually valid for a short duration, which users must input to complete the verification process. This method has gained prominence due to its simplicity, cost-effectiveness, and widespread mobile penetration in India. However, challenges such as network delays, potential SMS delivery issues, and security concerns due to SIM swapping or phishing attempts continue to prompt businesses to explore additional security layers beyond SMS OTP verification.