India is the world’s second-largest smartphone market — and one of its most targeted by cybercriminals. In 2025 alone, Indians filed 28.15 lakh cybercrime complaints and lost a staggering ₹22,495 crore to digital fraud [2]. If you use a smartphone for banking, UPI payments, or even just WhatsApp, you are a target. Here is your complete, no-nonsense guide to locking down your phone before the next scam call reaches you.