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A recently discovered malicious Android application poses significant risks by masquerading as legitimate banking apps in India. It facilitates credential theft, conducts surveillance, and executes unauthorized financial transactions. The malware operates on a modular architecture with a dropper and primary payload, employing deceptive user interfaces and silent installation techniques to evade detection. The dropper requests extensive permissions, including ACCESSNETWORKSTATE, REQUESTINSTALLPACKAGES, and QUERYALLPACKAGES, to monitor connectivity, install secondary APKs without user awareness, and profile installed apps. It loads a hidden payload and initiates installation using an INSTALL_NOW flag, bypassing app store scrutiny. The main payload requests additional permissions such as READSMS, SENDSMS, and RECEIVESMS for intercepting one-time passwords (OTPs) and two-factor authentication (2FA) codes. It also requests REQUESTIGNOREBATTERYOPTIMIZATIONS, READPHONESTATE, and READPHONENUMBERS for uninterrupted execution, device fingerprinting, and potential call forwarding abuse. Data exfiltration occurs through Firebase Realtime Database, storing user IDs and intercepted SMS metadata. The malware uses Firebase for command-and-control operations and generates phishing pages resembling authentic banking interfaces. Delivery methods include smishing, email phishing, WhatsApp bots, vishing calls, SEO-poisoned websites, malvertising, Trojanized utilities, QR/NFC attacks, preloaded malware on counterfeit devices, and exploitation of accessibility service vulnerabilities. Indicators of compromise include specific SHA256 hashes for the base payload and main payload.