PAN Card- In today’s time, online frauds have increased to such an extent that it is very important to be alert. Frauds of getting SIM on someone else’s Aadhaar are very common, but now cases of taking loan on someone else’s PAN card are also coming to the fore rapidly. In such a situation, it is very important for you to know that no one has taken a loan in your name using your PAN card.

According to experts, PAN card is directly linked to the credit report and whether the loan is taken with someone’s consent or without consent, it can affect that person’s credit rating and ability to take loan in future. Now let us immediately know about those methods with the help of which you can find out whether someone else has taken a loan on your PAN card or not.

Get Free Credit Report from CIBIL

You can get your free credit report from CIBIL and find out how many and which loans are running on your PAN card.

For this, first go to the website www.cibil.com.
Click on “Get Your Free CIBIL Score” option there.
After this enter your name, date of birth, PAN number, email and mobile number and verify the mobile number through OTP.
Now create an account by creating a password. After logging in, you will see the credit score and complete report on the dashboard. This report includes information about all the loans linked to your PAN card, their status, payment history and EMI.

What to do if wrong loan is shown?

If you come to know about any loan in the report received from CIBIL, which you have not taken but it is linked to your PAN card, then you can file an online complaint by visiting RBI’s complaint portal cms.rbi.org.in. In the complaint, the name of the loan related bank / NBFC, CIBIL report, PAN card and identity card have to be uploaded.

Apart from this, you can also directly contact the concerned bank or NBFC whose loan is visible in the report. Tell them in writing that you have not taken a loan and give the necessary documents. Make sure to take a receipt from the bank / NBFC so that the legal process can be easy further.

How to prevent misuse of PAN card?

To prevent misuse of your PAN card, never share your PAN number on unknown websites, WhatsApp or any other apps.
Do not give it to anyone unless it is necessary. If it is necessary to give it, then cancel or cross it on the photocopy of the PAN card.
If PAN card is lost, report it immediately and check your credit report from time to time.
Do not keep your documents in online drives. If you have to carry the card online, then use government apps like DigiLocker.

Things to keep in mind regarding PAN card

Now that you know how to check the loan running on your PAN card, make sure to check your report every 3 to 6 months. Do not give your PAN card to anyone unless it is absolutely necessary and do not share the PAN number with anyone on any site or chatting app. Often online fraudsters also ask for people’s PAN card details. Be careful about this. If someone misuses your PAN card, your credit score may be affected and you may face problems in taking loans in future or you may also get into legal trouble.