PAN Card Fraud: Step-by-Step Guide to Check if Someone Took a Loan in Your Name

The Permanent Account Number (PAN) is an essential document in India, used for income tax filing, identity verification, and high-value transactions such as buying property above ₹10 lakh. However, it has also become a target for identity theft, where fraudsters use someone’s PAN to take unauthorized loans without their knowledge.

Such fraudulent activities can damage your credit score, harm your financial reputation, and make it difficult to secure loans when needed. Regularly checking your PAN-linked loan history is a crucial step to protect yourself from such scams.

Methods to Check for Loans Taken Using Your PAN Card

1. Check Through Credit Bureaus

• Visit a bureau website like CIBIL, Equifax, Experian, or CRIF High Mark.
• Register or log in using your PAN, mobile number, and other details.
• Verify your identity via OTP sent to your mobile or email.
• Request your free annual credit report or purchase one.
• Review the “Accounts” section for any unfamiliar loans.

2. Use Trusted Fintech Apps

• Download apps like Paytm or Paisabazaar.
• Register with your PAN and verify via OTP.
• Check active loans in the “Loans” or “Credit Health” section.
• Look for any unauthorized accounts.

3. Contact Lenders Directly

• Log in to your bank or NBFC’s portal or app.
• Review active loans or download statements.
• Contact customer care to verify any suspicious accounts.

Steps to Report and Rectify Fraudulent Loans

1. Gather evidence — save your credit report and note fraudulent loan details.
2. Contact the lender to explain the fraud and request a No Objection Certificate (NOC).
3. File a dispute with the credit bureau along with supporting evidence (resolution usually takes 30–45 days).
4. Report the fraud to the Cyber Crime Cell at cybercrime.gov.in with proof.