By Our Editorial Team
First publised on 2026-10-28 14:18:12
Most advice on cyber fraud tells people not to disclose OTPs, click suspicious links or trust callers who claim to represent banks or government agencies. That advice remains essential. But it addresses only part of the problem.
What happens when the phone or laptop containing a person's emails, banking applications, private conversations, identity documents and business records is lost or stolen?
The danger extends well beyond the replacement cost of the hardware. A device may contain active sessions for email and cloud services, access to financial applications and information that can be used to impersonate its owner. A stolen laptop can expose confidential business records. A phone taken while unlocked can create immediate risks that a strong password alone cannot resolve.
The answer is not to abandon digital convenience. It is to prepare for the possibility that a device may fall into the wrong hands.
Every smartphone owner should enable the available tracking and remote-locking facilities, use a strong screen lock, hide sensitive notification previews and maintain secure backups. Laptop users should check whether storage encryption is enabled and keep recovery keys separate from the computer. Account recovery should never depend entirely on the device that may disappear.
Preparation must be followed by a clear emergency plan. A missing device should be locked remotely as soon as possible. The owner should secure the SIM, contact banks if financial access may be exposed, protect the primary email account and revoke untrusted sessions. In India, the CEIR facility offers a further step for requesting the blocking of a lost or stolen handset's IMEI.
There is also a warning that deserves emphasis. Thieves may exploit a victim's desperation by sending fake messages claiming that a device has been found. No one should disclose a passcode, password or verification code to someone offering to recover a missing phone.
Digital security cannot end with telling people how to recognise a scam. It must also prepare them for the loss of the device through which they conduct much of their lives.
The principle is simple: protect the device before it disappears, and know what to do before panic sets in.
Starting today, India Commentary will publish a five-part series dedicated to this subject.









