PAN Card Misuse Alert 2026: Check Active Loans Linked to Your PAN Now in Minutes

Check Loan on PAN Card Online: While obtaining a loan has become easier in this era of Digital India, cases of PAN card misuse and financial fraud have also increased rapidly. Often, fraudsters exploit your PAN card to obtain personal loans without your knowledge, which you discover only when your CIBIL score suddenly drops, or the bank rejects your new loan application. According to recent reports from February 2026, vigilance is the most important weapon to protect against such fraud perpetrated through fintech apps and online lending platforms.

PAN Card (Permanent Account Number) is not just a plastic card, but it is the center of your entire financial horoscope. Home loan, car loan, or credit card—every financial transaction, big or small, is linked to your PAN. When a fraudster takes out a loan using your PAN, that debt is technically recorded in your CIBIL record.

If the loan installments are not paid on time, your name appears on the defaulter list, ruining your financial credit. In the future, when you need funds for a critical need, the bank will refuse to lend due to your poor score, so protecting your PAN should be your top priority.

Checking your credit report periodically is essential to monitoring your financial health. You can download your detailed credit report for free once a year from the websites of RBI-authorized agencies such as TransUnion CIBIL, Experian, Equifax, or CRIF High Mark. When you receive your report, carefully examine the “Account Information” or “Loan Details” section. If you see the name of a bank or NBFC with which you have never transacted, it’s a clear red flag. Additionally, a ‘credit inquiry’ from an unknown bank could also be a sign that someone is trying to obtain a loan in your name.

In today’s digital age, popular apps like Paytm, Google Pay, and Cred provide real-time information about active loans and credit cards linked to your PAN. Turning on credit alerts on these apps can alert you immediately to any suspicious activity. Additionally, you should carefully review your bank statements every month.

If you notice an EMI deducted from your account that you are unaware of, or a transaction you did not make, inform your bank immediately. Sometimes, small loans go undetected until they have caused a significant dent in your credit history, so using digital apps wisely can save you from serious trouble.

If, during your investigation, you discover a fraudulent loan in your name, instead of panicking, you should act immediately. First, contact the bank or finance company that issued the loan and inform them in writing that the transaction is the result of fraud. Next, visit the credit bureau website and file a dispute against that particular entry to have your report rectified.

Filing a complaint on the Government of India’s National Cyber ​​Crime Portal, cybercrime.gov.in, or calling the helpline number 1930 is also a mandatory step. For future legal protection, filing an FIR at the nearest police station is the best option to prove that you were a victim of fraud.