In India,

if you get a SIM replaced after providing proofs of identity, residence and biometrics, it would get activated after few hours.

The kicker is that it wont get SMSes for 24 hours after the SIM is activated.

In the US, won't it be cheaper as well as secure to get a virtual phone number from Twilio for purposes of two factor authentication? (In India, there is no service at the rate what Twilio offers, but there are some which charge around $30-$40/month for virtual phone numbers with incoming SMSes)