OTP's can be spoofed from your mobile. Infact your whole mobile number can be spoofed. It is better to get physical 2FA keys . They are currently the best for security. But not many companies provide feature to use a USB key for security. Indian Banks I donno when will incorporate this technologyunreliable how?
There is a major flaw in telecom system which came out recently
Your OTP may not be safe as new SMS attack redirects texts to hackers
Besides all the things this new attack involves, the most interesting aspect is that the tools only need hackers to pay $16.