Hahaha I love it. I usually just answer the phone with "Bhen Chod" for unknown numbers, which usually makes them hang up.
My go to is no habla englase, yo habla españole. Usually a hang up. Only once in the last few years, go do I get, yo so blah blah (insert taco nigger gibberish here). I never seem to get another call from that number, like being a brown means you got no money, and you can't scam someone with no money. pajeets are the worst and it breaks their script and they keep asking if I speak english. Its like they don't get it. I need to memorize "I fucked your mother after I fucked your goat last night" in what ever indian language they use.
Maderchode, you bloody fuck self.
"Teri Ma Chod Di" is Punjabi for "I fucked your mom". I don't know the goat part.
If it is a pajeeta, tell her "Dania Kotaniana" which means "if you don't fuck me, you're going to jail". I don't know why that is s much of an insult as it is, but it will send a pajeeta into a furious rage.