Jokes apart
Very Imp tips for future for everyone
First of all: It's MK Zip Balance now not Pay later
2nd : It must be turned on & doesn't look like it was turned off(but doesn't matter if fraudster is able to login then he can turn it on himself)
3rd: Even if your account is hacked in real or it's a bluff, Still there is one step pending which is i.e
Otp authentication still left for login or Transaction. So even if you are Doubtful or sure or in any any any any circumstances you can stop then & there only. You will be safe. You will still not loose your money after pressing 1.
4rth: Which App/ Portal/ Organisation/Entity asks for OTP on call that needs to be entered on Call keyboard/Call Keypad Screen ? Nobody.. as simple as that. So If a IVR is asking OTP it means someone is sitting behind to enter it manually. So you should be carefull. OTP is only demanded on online while browsing Web/App screen via Internet not on IVR
If mobikwik pay later was used the mobikwik may have some options to file a dispute or something similar to cc's.
Ask him to reach them on twitter and emails.
Bombarding I mean.
Chances are very less but this is the only option.