AI Summary: India’s spam call problem has grown sharply. TRAI data shows complaints rising from 1.36 million in 2023 to 3.1 million in 2025, a 128% surge in two years. The core cause is structural: the 140xxxxxxx series, set aside for promotional calls, got so overrun with spam that consumers stopped answering it. Genuine service calls from banks and insurers went unanswered, so those entities shifted to regular 10-digit mobile numbers. Fraudsters then copied that pattern. The DoT created the 160xxxxxxx series on 30 May 2024 (PRID 2022249) to fix this gap. TRAI reinforced this with a phase-wise mandate on 19 November 2025 (PRID 2191647). They give consumers a clear visual cue to tell fraud from real contact. FreJun helps BFSI entities get 160-series numbers, register DLT templates, and run compliant voice operations.
Key Facts at a Glance
| Item | Detail |
|---|---|
| Governing regulation | TCCCPR, 2018 (Second Amendment, 12 Feb 2025) |
| Governing bodies | TRAI / DoT |
| Spam complaints in 2024 | 1.938 million (TRAI data) |
| Spam complaints in 2025 | 3.109 million (128% rise since 2023) |
| 140 series purpose | Promotional and telemarketing calls only |
| 160 series purpose | Service and transactional calls only |
| 1601 sub-prefix | Reserved for RBI, SEBI, PFRDA, IRDAI regulated entities |
| Entities voluntarily adopted 160 by Nov 2025 | 485 entities, 2,800+ numbers |
| First-violation penalty (TCCCPR) | Rs 2,00,000 |
| Blacklist trigger | 5 valid complaints in 10 rolling days |
- India logged 3.109 million spam call complaints in 2025, up 128% from 1.362 million in 2023. The old 140-series setup was the main cause.
- The 140xxxxxxx series, meant for promotions, became a trusted fraud tool. Consumers stopped answering it, so real entities moved to unverifiable 10-digit numbers.
- DoT set up the 160xxxxxxx series on 30 May 2024 for service and transactional calls only. The 1601 sub-prefix goes to RBI, SEBI, PFRDA, and IRDAI regulated entities.
- TRAI made adoption mandatory on 19 November 2025. Mutual Funds and AMCs had to comply by 15 February 2026. Qualified Stockbrokers had until 15 March 2026.
- Missing the deadline exposes BFSI entities to Rs 2 lakh in penalties per first violation, plus blacklisting for up to one year and action from their sectoral regulator.
Quick Answer: India’s spam call crisis grew because the 140 series got flooded with promotional calls. Genuine BFSI entities then switched to regular 10-digit numbers, and fraudsters copied that pattern. The DoT’s 160 series, made mandatory by TRAI from November 2025, fixes this by giving regulated entities a verified prefix. Consumers can now tell real calls from fraud by checking the number prefix.
In this article:
- How Big Is India’s Spam Call Crisis?
- Why Did the 140 Series Fail to Contain Spam?
- How the 140 Series Created a Fraud Window for Impersonators
- What Is the 160 Series and How Does It Fix the Problem?
- The TRAI Mandate: Phase-Wise Deadlines and Who Must Comply
- 140 Series vs 160 Series: What Is the Actual Difference?
- What Does the 160 Reform Mean for Indian Consumers?
- What Are the Penalties for Non-Compliance After the Deadline?
- How FreJun Helps BFSI Entities Comply
- Frequently Asked Questions
How Big Is India’s Spam Call Crisis?
India’s spam call problem is not just a consumer irritation. In fact, it is a system-wide failure that hurts every sector relying on voice calls to serve customers.
What the TRAI Complaint Data Tells Us
TRAI data shows spam call complaints rose from 1.362 million in 2023 to 1.938 million in 2024. Then they jumped again to 3.109 million in 2025. That is a 128% rise in just two years. This trend is not a short blip. It shows the old rules were not working.
In my work advising telecom-industry clients on TRAI and DoT rules, I see this pattern clearly in enforcement files. Entities register at scale. Template discipline breaks down. Telecom Service Providers leave verification gaps open for too long. These are system failures, not one-off mistakes.
Moreover, these figures only count complaints filed through the TRAI DND app and the 1909 helpline. The real volume of unwanted calls reaching consumers is far higher. By mid-2025, TRAI’s automated systems blocked roughly 750 million spam calls and messages per day, based on government reports. So registered complaints are only a small slice of total spam activity.
The Financial Fraud Connection
Furthermore, the spam call crisis feeds directly into financial fraud. Industry research shows India saw financial fraud losses jump by over 200% in 2024, hitting a record Rs 22,845 crore. A large share of that came from phone-based fraud where callers posed as banks, insurers, and financial entities. Fraudsters do not need complex tools. They just need a channel consumers cannot tell apart from a real call.
For years, that channel was the standard 10-digit mobile number. Specifically, the TRAI and DoT reform built around the 140 and 160 series targets this gap directly.
Definition: Unsolicited Commercial Communication (UCC): Under the Telecom Commercial Communications Customer Preference Regulations, 2018 (TCCCPR), any commercial voice call sent without the recipient’s prior consent counts as Unsolicited Commercial Communication. The same applies to messages sent against a consumer’s registered preferences. A UCC complaint sets off TRAI’s enforcement process against the sending entity and its Telecom Service Provider. Source: TRAI TCCCPR.
What this means for your compliance team: the complaint data is not just a brand risk. Specifically, every complaint that hits the threshold of 5 in 10 rolling days triggers a mandatory service block on your telecom resources. Notably, that threshold is lower now, and TRAI acts faster than before.
India’s spam surge is getting worse. If your entity has not started its 160-series move yet, every outbound service call you make carries legal risk. FreJun’s legal team can check your current exposure in a single call.
Why Did the 140 Series Fail to Contain Spam?
The 140 series failed because of a design problem, not just weak enforcement. Indeed, to understand why the 160 series is built the way it is, you need to understand what went wrong first.

The Original Design of the 140 Series
DoT gave the 140xxxxxxx series to registered telemarketers for promotional, service, and transactional voice calls. The idea made sense: a clear prefix would help consumers spot commercial calls and decide whether to answer. In practice, however, the 140 series became a synonym for spam very quickly after its rollout.
Several problems drove this result. First, registration rules for getting a 140 number were not strict enough to keep bad actors out. Second, the volume of promotional traffic on the 140 series grew fast. Consequently, consumers started ignoring all 140-prefix calls automatically. Third, enforcement against entities that broke purpose rules was slow and uneven.
As a result, real service calls, OTP requests, EMI reminders, and account alerts from banks and insurers on 140 numbers went unanswered at large scale. The DoT press release of 30 May 2024 (PRID 2022249) confirmed this: the 140 series was so full of promotional calls that consumers stopped responding. Genuine entities then shifted to regular 10-digit mobile numbers to get through to customers.
Enforcement Gaps That Made Things Worse
Beyond design flaws, enforcement gaps made the problem worse. TRAI’s complaint system required consumers to register preferences through the DND framework first. Without that step, complaints would not trigger any action. Therefore, this friction kept complaint numbers low. As a result, regulators got a false picture of the actual spam load on the network.
The TCCCPR Second Amendment of 12 February 2025 fixed several of these gaps. Specifically, it cut the complaint threshold, allowed complaints without prior DND registration, and lowered the blacklist trigger from 10 complaints in 7 days to 5 complaints in 10 days. TRAI made these changes precisely because the old 140-series setup was not creating enough deterrent.
What this means for your compliance team: the 140 series is still valid for promotional and telemarketing calls. However, it now runs under tighter rules. Your team must confirm that template registration, consent records, and DLT platform compliance are all current before sending any promotional voice traffic.
How the 140 Series Created a Fraud Window for Impersonators
The most serious result of 140 series overload was not consumer frustration. Instead, it was an open fraud gap that impersonators used at scale.
The Impersonation Mechanism
When consumers stopped answering 140-prefix calls, real entities faced a serious problem. An unanswered OTP call blocks a transaction. An ignored EMI reminder hurts collection rates. Consequently, many BFSI entities started routing service calls from regular 10-digit mobile numbers. Consumers would still answer those because they looked like personal calls.
Fraudsters spotted this pattern and copied it exactly. A fraudster posing as a bank’s recovery team needs only a 10-digit SIM card and a script. Moreover, there is no technical way to tell their call from the bank’s own service call, because both show up as regular mobile numbers on the consumer’s screen. The DoT press release of 30 May 2024 named this problem directly: fraudsters were deceiving consumers using 10-digit numbers that consumers linked to real entity contact.
The Scale of Financial Impersonation Fraud
The numbers here are striking. Within 24 hours of TRAI switching on its international call spoofing detection system in late 2024, the system caught and blocked roughly 1.35 crore spoofed calls. That figure represents 90% of all incoming international calls with Indian phone numbers, based on government reports. This shows how widely spoofing and impersonation were running.
Additionally, by November 2025, TRAI had taken action against over 21 lakh fraudulent mobile numbers and 1 lakh entities involved in spam and fraud. Most of these were not complex operators. They were individuals and small groups exploiting the gap between what a 10-digit number looks like and what a regulated entity’s number should look like.
What this means for your compliance team: this fraud gap harms everyone. Your entity’s failure to move to the 160 series does not just create your own legal risk. It keeps the fraud environment alive. Fraudsters can pose as your entity, harm your customers, and expose you to claims under the Consumer Protection Act, 2019 and the RBI Fair Practices Code.
What Is the 160 Series and How Does It Fix the Problem?
The 160 series is a dedicated, verifiable number range that gives consumers a clear signal. Specifically, a call from 160xxxxxxx is a real service or transactional call from a verified entity. It is not a promotional call and not a fraudster’s number.
Definition: 160 Series (160xxxxxxx): A number range created by the Department of Telecommunications (DoT) on 30 May 2024. DoT set it aside exclusively for service and transactional voice calls by verified Principal Entities. The 1601 sub-prefix goes to entities that the Reserve Bank of India (RBI), Securities and Exchange Board of India (SEBI), Pension Fund Regulatory and Development Authority (PFRDA), and Insurance Regulatory and Development Authority of India (IRDAI) regulate. Telecom Service Providers must verify each entity before giving them a number. Source: DoT Press Release, 30 May 2024 (PRID 2022249).
How the 160 Series Works in Practice
First, every Telecom Service Provider must run an eligibility check before giving out any 160-series number. Notably, this check did not exist in the same form for 10-digit mobile numbers. Second, the entity getting the number must commit in writing to use it only for service and transactional calls under TCCCPR, 2018. This is a legal and contractual commitment. Breaking it triggers separate penalty rules.
Third, all voice scripts, IVR openers, agent lines, and recorded content must be pre-registered as templates on the Distributed Ledger Technology (DLT) platform. Each call must carry the registered Template ID in its signalling data. Therefore, every compliant 160-series call creates a clear audit trail. A fraudster cannot copy this without first being registered, verified, and given a DLT-linked template. All of those steps need proof of a real, legitimate business identity.
Fourth, the 1601 sub-prefix tells consumers the caller is a financial entity that RBI, SEBI, PFRDA, or IRDAI regulates. For a consumer getting a call about a loan, a mutual fund, or an insurance renewal, seeing 1601 on their screen is a concrete signal. It means the caller passed checks from both a sector regulator and a Telecom Service Provider.
The Technical Layer Behind Consumer Trust
Furthermore, the 160 series works alongside TRAI’s Calling Name Presentation (CNAP) programme. CNAP requires a caller’s verified name to show up on the recipient’s handset. Once CNAP rolls out fully, a consumer will not just see a 1601 prefix. They will see the entity’s registered name as well. That pairing of verified prefix and verified name creates a trust layer the 140-series setup could never offer.
Additionally, Section 42 of the Telecommunications Act, 2023 makes tampering with telecom identifiers a criminal offence. Spoofing a 1601 number therefore carries criminal liability, not just an admin fine. This raises the cost of impersonation significantly compared to spoofing a regular 10-digit number.
What this means for your compliance team: moving to the 160 series is not a tick-box task. It is a real shift in how consumers, regulators, and law-enforcement systems see your outbound calls.
The TRAI Mandate: Phase-Wise Deadlines and Who Must Comply
TRAI’s Direction of 19 November 2025 (PRID 2191647) turned voluntary adoption into a binding, phase-wise duty for entities that RBI, SEBI, and PFRDA regulate. A follow-up Direction of 16 December 2025 (PRID 2205350) brought IRDAI-regulated insurers into the same framework.
SEBI-Regulated Entities: Confirmed Deadlines
Under the TRAI Direction of 19 November 2025, SEBI-regulated entities face two confirmed deadlines. Specifically, Mutual Funds and Asset Management Companies had to finish their 1600-series move by 15 February 2026. Qualified Stockbrokers (QSBs) had until 15 March 2026. Notably, TRAI set these deadlines after talks through the Joint Committee of Regulators (JCoR), which brought together TRAI, RBI, SEBI, IRDAI, and PFRDA to plan the rollout.
For RBI-regulated entities, the schedule covers commercial banks in an early phase. Subsequently, large NBFCs with assets above Rs 5,000 crore, Payments Banks, and Small Finance Banks follow in a second phase. Remaining NBFCs, cooperative banks, and other RBI-licensed entities come after that. For accuracy, check the exact phase deadline directly in the TRAI Direction text or with your Telecom Service Provider. Secondary sources on NBFC asset-size cutoffs vary, so the primary document is the safe reference.
What Voluntary Adoption Numbers Tell Us
As of November 2025, 485 entities had already adopted the 1600 series on their own. Together they took on over 2,800 numbers, according to the TRAI Direction press release (PRID 2191647). These entities represent the compliance-aware part of the regulated sector. TRAI pushed for a mandatory phase-wise move because the remaining entities were keeping the fraud gap open. These were entities still using 10-digit numbers or the 140 series for service calls.
What this means for your compliance team: if your entity falls in any covered category and has not started migration yet, your deadline is either past or very close. The first step is calling your Telecom Service Provider to start the verification and number allocation process. TSP-side processing alone can take several weeks.
Phase deadlines are moving fast. FreJun’s legal team has guided many BFSI entities through the full migration process, from TSP checks to DLT template setup. Book a 30-minute call to map your entity’s exact compliance steps.
140 Series vs 160 Series: What Is the Actual Difference?
The 140 series and the 160 series are not the same. They serve entirely different legal purposes. Using one for the other’s purpose is a direct TCCCPR violation with real financial and operational costs.
Purpose, User, and Permitted Content
| Dimension | 140 Series (140xxxxxxx) | 160 Series (160xxxxxxx) |
|---|---|---|
| Purpose | Promotional and telemarketing calls only | Service and transactional calls only |
| Who can use it | Any registered telemarketer or Principal Entity | Verified Principal Entities only; 1601 reserved for RBI, SEBI, PFRDA, IRDAI regulated entities |
| Allowed content | Product offers, scheme announcements, campaign calls | OTPs, account alerts, EMI reminders, KYC updates, loan status, policy renewals |
| Banned content | Service calls, transactional calls after the 160 mandate | Any promotional or sales content, cross-selling during service calls |
| TSP verification required | Standard registration | Full eligibility check before number is given out |
| DLT template registration | Required | Required, with Template ID sent in call signalling |
| Consumer signal | Promotional: consumer can ignore or opt out via DND | Service or transactional: high-trust, verifiable, opt-out rules differ |
| Criminal exposure for spoofing | Admin penalty only | Criminal liability under Telecommunications Act, 2023 S.42 |
The Cross-Use Ban and How It Gets Enforced
TCCCPR, 2018, as updated on 12 February 2025, bans cross-use outright. A single promotional call from a 160-series number breaks the allocation commitment and triggers the penalty rules on its own. In the same way, a BFSI entity that keeps making service calls from 140-series numbers after its phase deadline creates a second risk. Those calls may be treated as Unsolicited Commercial Communication from an Unregistered Telemarketer.
Furthermore, your routing setup must enforce this split at the system level, not just in a written policy. A policy document saying the 160 dialer will not handle promotional calls is not enough if the same dialer can be switched between number pools. Regulators and auditors have consistently held that you need a technical barrier, not just a procedure.
What this means for your compliance team: review your dialer setup before your compliance date. Confirm that 140-series and 160-series calls run through separate routing paths with no shared number pools between them.
What Does the 160 Reform Mean for Indian Consumers?
For consumers, the 140 and 160 series reform is the biggest structural change to India’s voice call system since the DND registry launched. However, its real impact depends on how fast entities migrate and how well consumers learn the new signals.
A Simple Rule for Consumers to Identify Calls
Once migration is complete, consumers can use a simple three-step check for incoming calls. First, a call from 160xxxxxxx, specifically from 1601xxxxxxx, is a service or transactional call from a verified financial entity that RBI, SEBI, PFRDA, or IRDAI regulates. Second, a call from 140xxxxxxx is a promotional or telemarketing call from a registered entity. Third, any call from a standard 10-digit mobile number claiming to be from a bank or financial regulator should raise concern. Notably, regulated entities should no longer use regular mobile numbers for service calls after their phase deadline.
This rule does not remove all fraud risk. However, it makes impersonation much harder. Indeed, a fraudster claiming to be from an RBI-regulated bank must now explain why their call comes from a 10-digit number rather than a 1601 prefix.
Changes to DND and Opt-Out Rights Under the 2025 Amendment
Additionally, the TCCCPR Second Amendment of 12 February 2025 strengthened consumer opt-out rights in ways that directly affect the 160-series setup. Explicit consent for a service or transactional call is now valid for only 7 days where there is no ongoing contract. Once a subscriber opts out, the entity cannot call them again for the same purpose for 90 days. The Digital Consent Acquisition (DCA) system on the DLT platform now sets the rules for how consent gets captured and stored.
For the consumer, this means a properly compliant 160-series call must rest on either an active contract or a recently captured, time-limited consent. A bank calling an existing home loan customer about an EMI due date sits clearly within the implicit consent framework. However, a bank calling a former customer about a new product does not, regardless of which number series it uses.
What this means for your compliance team: consent management is not a separate task from number series compliance. Both must be handled together. A valid 1601 number used without a lawful consent basis still creates a TCCCPR violation.
What Are the Penalties for Non-Compliance After the Deadline?
Non-compliance with the 160-series mandate does not lead to one penalty. Instead, it sets off a layered response across telecom, sector, and data protection regulators at the same time.
TCCCPR Financial Penalties
Under the TCCCPR Second Amendment, 2025, TRAI grades the financial penalty by how many times an entity has violated the rules. The first violation draws Rs 2,00,000. The second draws Rs 5,00,000. The third and each one after that draws Rs 10,00,000. In practice, access providers pay these fines and typically pass the cost on to the Principal Entity through their contract terms.
However, the operational hit is even worse than the fine. The first time an entity crosses the complaint threshold, TRAI bars outgoing services on all of its telecom resources for 15 days. Subsequently, further violations lead to disconnection of all telecom resources across all access providers for up to one year. The entity also goes on a cross-TSP blacklist. For a BFSI entity, that means no OTP delivery, no customer service calls, and no collections activity for up to twelve months.
Treatment as an Unregistered Telemarketer
Furthermore, an entity that misses its phase deadline and keeps making service calls from 10-digit numbers faces classification as an Unregistered Telemarketer (UTM). The UTM enforcement path starts with a warning. Next, TRAI caps outgoing calls at 20 per day for six months. Finally, TRAI disconnects all telecom resources. Notably, each step increases the operational damage, and clearing a UTM tag requires active engagement with TRAI and the relevant TSP.
Sectoral Regulator and DPDP Act Risk
Separately from TRAI’s action, non-compliance exposes the entity to its sector regulator. The RBI can act under Section 35A of the Banking Regulation Act, 1949. SEBI can act under Section 15HB of the SEBI Act, 1992. IRDAI can act under Sections 102 to 105B of the Insurance Act, 1938. PFRDA can act under Section 28 of the PFRDA Act, 2013. Each of these actions stands on its own, separate from any TRAI penalty for the same conduct.
Additionally, the Digital Personal Data Protection Act, 2023 creates separate risk. If non-compliance involves using customer data without a lawful basis, calling without valid consent, or ignoring opt-outs, the Data Protection Board can levy penalties up to Rs 250 crore in the most serious cases. That figure is the ceiling for a failure to put in reasonable security measures. Any entity running unverified customer data through an outbound dialer without consent records would find it hard to meet that standard.
What this means for your compliance team: the total cost of one non-compliant calling cycle is much larger than the cost of migration. Add up TRAI fines, service suspension, sector regulator action, and DPDP exposure and the number is significant. The 160-series compliance programme protects your ability to operate, not just your regulatory standing.
How FreJun Helps BFSI Entities Comply with the 160 Series Mandate
FreJun is India’s cloud telephony and AI calling platform, built specifically for BFSI entities working through the 160-series and 140-series compliance landscape. In practice, the platform handles the technical compliance layer so legal and operations teams can focus on substantive obligations rather than infrastructure work.

What FreJun Provides for 160-Series Compliance
Specifically, FreJun sources and manages 160-series numbers for regulated entities. First, it works with TSPs to run the eligibility check and number allocation steps. The platform connects fully with the DLT system. It handles template registration, Template ID linking to outbound calls, and CDR logging. This setup meets both TRAI record-keeping rules and RBI IT outsourcing standards.
Additionally, FreJun’s routing setup enforces the cross-series split at the system level. It keeps separate paths for 140-series promotional traffic and 160-series service traffic with no shared number pool. The DCA consent framework is built into the call workflow, so consent records are stored and documented automatically rather than managed as a separate task.
How FreJun Supports Collections Teams
For collections teams specifically, FreJun’s outbound calling setup enforces RBI Fair Practices Code calling hours of 08:00 to 19:00 IST. It also caps outbound frequency per customer within that window and logs every call with its Template ID and consent record. Consequently, these controls lower the risk of complaint build-up that could hit the 5-in-10-days blacklist trigger.
FreJun connects with HubSpot, Zoho, Salesforce, and LeadSquared. This gives teams CRM-linked call logging without manual data entry. Moreover, that connection matters for compliance because every CDR record maps to a customer account with a visible consent status. That is exactly what a Data Fiduciary needs to show a lawful processing basis under the DPDP Act, 2023.
For a full walkthrough of how FreJun handles migration and ongoing compliance for BFSI entities, see our BFSI Communication Compliance Guide 2026. For more on the regulatory setup, see our TCCCPR 2018 Compliance Guide and our 160 Series vs 140 Series comparison.
Every BFSI entity in FreJun’s client base that finished 160-series migration before its deadline avoided at least one enforcement inquiry. The ones that waited faced TSP-side delays that pushed them past the deadline by accident. Start the process now.
Key Takeaways
- India’s spam call complaints rose 128% from 2023 to 2025, reaching 3.109 million. The old 140-series setup and the shift to 10-digit mobile numbers for service calls were the main causes.
- The 140 series is legal only for promotional and telemarketing calls. Using it for service or transactional calls after the 160-series mandate is a direct TCCCPR violation regardless of intent.
- DoT created the 160 series on 30 May 2024. The 1601 sub-prefix identifies callers as RBI, SEBI, PFRDA, or IRDAI regulated entities. Consumers get a clear, verifiable signal.
- As of November 2025, 485 entities had voluntarily adopted the 160 series. TRAI made it mandatory with a phase-wise schedule. Mutual Funds and AMCs had to comply by 15 February 2026. Qualified Stockbrokers had until 15 March 2026.
- Missing the deadline brings layered penalties: Rs 2 lakh per first TCCCPR violation, up to one year of blacklisting, parallel sector regulator action, and DPDP Act fines up to Rs 250 crore in the most serious cases.
- Migration is a priority. TSP processing and DLT template setup together take weeks. Entities that wait for their deadline risk missing it because of process delays alone.
- FreJun provides full 160-series migration support, covering TSP-linked provisioning, DLT template management, consent records, CDR logging, and routing separation.
Frequently Asked Questions
What is the difference between the 140 series and the 160 series in India?
The 140 series covers promotional and telemarketing voice calls only. The 160 series covers service and transactional voice calls only, and only verified Principal Entities can use it. A BFSI entity cannot use a 140 number for service calls. It also cannot use a 160 number for promotional calls. Each cross-use violation under TCCCPR attracts a penalty starting at Rs 2,00,000 per instance.
What is a 1601 number and why does it matter for consumers?
The 1601 sub-prefix inside the 160 series is reserved for financial entities regulated by the RBI, SEBI, PFRDA, and IRDAI. A call from a 1601 number comes from an entity verified by both its sector regulator and a Telecom Service Provider. Consumers can treat this as a strong signal that the call is real, not a fraud attempt posing as a bank or insurer.
What penalty does a BFSI entity face for missing the 160-series migration deadline?
Missing the deadline and continuing service calls from 10-digit numbers triggers classification as an Unregistered Telemarketer. The path runs from a warning, to a cap of 20 outgoing calls per day for six months, to full disconnection of all telecom resources. TCCCPR fines of Rs 2 lakh to Rs 10 lakh per violation also apply. The entity’s sector regulator, whether RBI, SEBI, IRDAI, or PFRDA, can also act independently.
How does an entity apply for a 160-series number in India?
Entities apply through a licensed Telecom Service Provider. The TSP runs an eligibility check before giving out any 160-series number. The entity must show proof of its regulated status, register on the DLT platform, and commit in writing to use the number only for service and transactional calls under TCCCPR, 2018. Including DLT template setup, the full process usually takes several weeks.
Can a recovery agency use its own 10-digit numbers to make collection calls on behalf of a bank?
No. After the phase deadline, a recovery agency must use the Principal Entity’s allocated 1601 numbers, not its own pool. The bank or NBFC remains legally responsible for all calls made on its behalf. This liability comes from TCCCPR, the RBI Fair Practices Code, and the RBI Master Direction on Outsourcing of IT Services dated 10 April 2023. Using an unverified number for collection calls after the deadline is a violation attributed to the bank or NBFC, not just the agency.
Why has India’s spam call problem kept growing despite TRAI enforcement?
TRAI data shows complaints rose from 1.362 million in 2023 to 3.109 million in 2025, even as TRAI removed over 21 lakh fraudulent numbers. The core problem is structural. Enforcement acts after the fact. The underlying issue is a number system that could not tell real service calls from spam. The 160-series reform changes the system itself, not just the enforcement, which is why it offers a more lasting fix than complaint-driven blacklisting alone.
Are calls from 140 numbers legal in India?
Yes, calls from 140 numbers are legal if the entity is registered, the content matches a pre-approved DLT template, TCCCPR consent rules are followed, and the call does not go to a consumer who has opted out of the relevant category. The 140 series is lawful for promotional and telemarketing purposes only. Using it for service or transactional calls, or skipping DLT registration and consent steps, makes it unlawful.
Compliance Disclaimer
This article is for informational purposes only and does not constitute legal or regulatory advice. FreJun recommends entities consult their legal counsel and verify current TRAI Direction text with their Telecom Service Provider before making compliance decisions.
References and Sources
- DoT Press Release, 30 May 2024 (PRID 2022249) — pib.gov.in
- TRAI Direction, 19 November 2025 (PRID 2191647) — pib.gov.in
- TRAI Direction, 16 December 2025 (PRID 2205350) — pib.gov.in
- TCCCPR Second Amendment, 12 February 2025 — trai.gov.in (PDF)
- TCCCPR 2018 — trai.gov.in
- RBI IT Outsourcing Master Direction, 10 April 2023 — rbi.org.in
- DPDP Act, 2023 — meity.gov.in
- TRAI Spam Complaint Data 2023 to 2025 — The420.in, April 2026
- TRAI Blacklist Action, November 2025 — newsonair.gov.in
