Kotak Mahindra Bank Not Acknowledging Fraudulent Credit and Debit Card Transactions

On Friday morning, 16th July, 2021 there were multiple transactions done for e-gift vouchers on Flipkart.com using my Kotak Bank Credit Card - 5 e-gift vouchers of INR 8000/- each for the total amount of INR 40, 000. Kotak Bank Debit Card - 1 e-gift voucher of INR 10, 000/- The issue was raised with Kotak Bank Credit Card and Banking Department as soon as I noticed these transactions. However, the bank is not acknowledging these transactions as fraudulent as these were OTP-based even after escalations with RBI. I have filed a complaint with the cybercrime portal and also a GD at the local police station. There has been no resolution on this till date. On top of that today a recovery agent showed up at my house today. What kind of consumer protection does our banking system have when the customer has not voluntarily/involuntarily disclosed card details and otp to anyone. Today, sim swapping and hacking mobile phones is very common, so it doesn't make sense just because a transaction is OTP based bank doesn't have any liability. I have also called up flipkart to canel the order for e-gift vouchers but they haven't done anything either. When these transactions occurred Kotak Bank blocked the card automatically after the first 4 transactions citing the reason that there was fraudulent transaction and now they themselves don't want to recognize these transactions as fraudulent transactions. Also, on the statement, it shows that the transactions have occurred on the add-on whereas I have never requested for an add-on card and don't have one. So clearly something fishy is going on at the bank end here. But unfortunately even RBI doesn't want to investigate the matter. How can I hold the bank liable legally? Please advise on the legal course of action.