Fraud on my HDFC card

Last month I got my Swiggy HDFC card with 35000 limit, and one day during the day in my office hours I got a fake fraud call which tricked me into giving them the OTP (which ofcourse very dumb of me, I am feeling bad even asking this question here) from which they pulled out 30000 into some Phone pe wallet or something. When I realised I called the bank, blocked the card registered a complaint and shared the details back to the bank. Now after raising concern and saying that I can't pay 30000 back to them as I'm still an intern and don't have that much of the money, HDFC is saying that they did thier review and I have to pay. I am really worried if they are going to put a legal notice or something if I don't pay. Or what should I do in this situation. Please guide.