डेबिट कार्ड गुम है।

गुम means lost or missing here.

In डेबिट कार्ड गुम है, गुम is not the main verb in the same way lose is in English. It functions more like an adjective/state word: lost / missing.

So the structure is closer to:

• Debit card is lost
• The debit card is missing

The actual finite verb is है = is.

Hindi often expresses this idea as a state rather than an action.

So instead of saying:

• I lost my debit card

you can say:

• Debit card is lost / missing → डेबिट कार्ड गुम है।

This is a very natural way in Hindi to describe the situation when something cannot be found.

If you want to express the action more directly, Hindi could also use other constructions, but गुम है is common and idiomatic for is missing / is lost.

Hindi does not normally use articles like a, an, or the.

So:

• डेबिट कार्ड can mean a debit card, the debit card, or my debit card, depending on context.

In real life, the listener usually understands which one is meant from the situation.

If you want to be more specific, Hindi can add words like:

• मेरा डेबिट कार्ड गुम है। = My debit card is missing.
• यह डेबिट card गुम है। = This debit card is missing.

But the basic sentence works fine without any article.

है is the present tense form of to be for singular subjects in this kind of sentence.

Hindi word order is usually Subject + complement + verb, so:

• डेबिट कार्ड = debit card
• गुम = lost/missing
• है = is

So literally:

• Debit card lost is

That final position for the verb is very normal in Hindi.

Because डेबिट कार्ड is treated as singular here.

• है = is
• हैं = are (or polite is, depending on context)

So:

• डेबिट कार्ड गुम है। = The debit card is missing.
• डेबिट कार्ड गुम हैं। would sound like Debit cards are missing, if you really meant plural.

Since card is singular, है is correct.

In this sentence, गुम stays the same. It does not change here.

That means you can say:

• कार्ड गुम है।
• चाबी गुम है।
• किताब गुम है।

with गुम unchanged.

This is useful for learners because you do not need to memorize different masculine/feminine forms for गुम in this common usage.

It is a very common kind of modern Hindi expression: an English loan phrase written in Devanagari.

• डेबिट = debit
• कार्ड = card

Modern Hindi frequently uses English words for banking, technology, business, and everyday urban life.

So this sentence is completely natural in modern usage.

You may also hear people mixing scripts in writing, for example:

• डेबिट कार्ड गुम है
• Debit card गुम है

Both reflect real-world Hindi usage.

A simple learner-friendly pronunciation is:

de-bit kaard gum hai

A slightly more careful breakdown:

• डेबिट → de-bit
• कार्ड → kaard
• गुम → gum
• है → roughly hai

A rough full pronunciation:

de-bit kaard gum hai

Notes:

• कार्ड has a long aa sound.
• है is usually pronounced like hai, similar to high but shorter and lighter in connected speech.

Yes, depending on context, it can suggest:

• The debit card is lost
• The debit card is missing
• The debit card has disappeared

The core idea is that the card is not where it should be.

However, the most direct and common English translation is usually:

• The debit card is missing or
• The debit card is lost

You would usually say:

मेरा डेबिट कार्ड गुम है।

Breakdown:

• मेरा = my
• डेबिट कार्ड = debit card
• गुम = lost/missing
• है = is

So this is a very useful expansion of the original sentence.

It is neutral and perfectly normal.

You could use it:

• in conversation
• at home
• at a bank
• while reporting a problem

For example, if you are speaking to bank staff, you might say something longer and more polite, such as:

• मेरा डेबिट कार्ड गुम है। = My debit card is missing.
• मेरा डेबिट कार्ड गुम हो गया है। = My debit card has gotten lost.

But the basic sentence डेबिट कार्ड गुम है। is natural and correct.