List key accounts: email (main + recovery), banking/UPI apps, cloud storage (e.g., Google Drive), shopping, socials, utilities, subscriptions (e.g., Netflix).
Choose a safe home: use your phone’s built-in password saver or a trusted app. Set one strong password you’ll remember for this app.
Add safety: turn on the extra login step (a code sent to your phone or an app) for banking and email.
Review quarterly
Save your main email password in your phone’s password saver today.
Don’t write OTPs, card PINs, CVV, or UPI PIN in your phone’s Notes or on paper. Keep these private and enter them only when needed.