In India, the Permanent Account Number (PAN) card is not just an identity card, but has become a vital part of every person’s financial life. This document is required for almost every process, such as opening a bank account, filing tax returns, property registration, or applying for a loan.

But as its use has increased, so too have cases of misuse. Today, cybercriminals are stealing PAN card information, creating fake identities, and using them for fraudulent transactions or tax fraud.

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How to Identify If Your PAN Card Is Being Misused

If you suspect someone is misusing your PAN card, it’s easy to verify. First, obtain information about all credit accounts and loans held in your name.

You can do this from your mobile phone. Search for “Credit Score” on apps like PhonePe, Google Pay, or Paytm, enter the required information, and within seconds, you’ll receive details of all loans and accounts linked to your PAN.

If you see the name of an unknown bank or loan, it’s a sign that your PAN card has fallen into the wrong hands.

What to do in case of PAN card misuse

If you discover any suspicious transactions or account information during your investigation, immediately report them to your bank and credit bureau (such as CIBIL). Also, visit the Income Tax Department’s website and file a PAN card misuse report.

After reporting, the department will investigate all activities related to your PAN and, if any irregularities are found, take necessary action. If the investigation confirms everything, you can rest assured that your PAN card is currently safe.

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Why Regularly Checking Your PAN Card Is Important

It’s not enough to simply keep your PAN card safe; it’s equally important to check it periodically. In today’s digital age, leaks or theft of any document is common. Regular monitoring can protect you from future financial losses.

Reviewing your PAN card-related activities periodically can not only help you avoid fraud but also maintain your financial integrity.