How to check whether someone has taken a loan using your PAN card

The easiest way of ascertaining if any loan has been taken under your PAN is to view your credit report.

With growing cases of loan fraud and identity theft, you would certainly like to know whether someone has taken a loan in your name against your PAN card. Your PAN is linked to your credit report, and any loan taken using it—whether with or without your consent—will have an impact on your credit rating and your borrowing capacity. Follow these steps to check whether your PAN has been misused and what can be done about it.

Check your credit report regularly

The easiest way of ascertaining if any loan has been taken under your PAN is to view your credit report. Credit bureaus like CIBIL, Experian, Equifax, and CRIF High Mark maintain a record of all loans and credit cards taken in your name. You can access their sites and request your free credit report annually by authenticating your PAN and mobile number. Verify for any unfamiliar accounts or loan records.

Red flags to look out for in your report

As you review your report, check for loans or credit cards you did not apply for, incorrect account numbers, unfamiliar lender names, or newer hard inquiries you did not approve. These are signs that someone may have abused your PAN card. If you see several such entries, take steps immediately to stop further erosion of your credit.

What to do if you find a fake loan

In case you encounter a fraudulent loan, bring it to the notice of the lender and dispute it with the credit bureau that reported it. Most disputes may be filed online by the credit bureaus. You will have to provide proof of ID, the facts of the loan in question, and a signed affidavit. Additionally, file a complaint with your local police cybercrime cell and present the evidence of PAN misuse.

Prevent future PAN misuse

Never share your PAN card number on unsafe sites, apps, or WhatsApp forwards. Do not share it publicly or unnecessarily hand it over. If your PAN card is lost, apply for a reprint and review your credit report in the next few months. Have strong passwords for financial accounts and enable SMS/email notifications for loan or credit applications linked to your PAN.

Be careful, be safe

Bogus loans can ruin your financial reputation and credit score. Catch them early, the better. Keep an eye on your credit report and act fast if misused. Your PAN card is a powerful document—use it like your bank PIN or Aadhaar.

FAQs

1. Can I see loan information related to my PAN online?

Yes. Visit the site of any major credit bureau like CIBIL, Experian, or CRIF and request your credit report by providing your PAN. It will show all the loans and credit cards taken in your name.

2. What if someone misuses my PAN illegally to obtain a loan?

It can harm your credit score and prevent you from getting genuine loans. You need to escalate an instant dispute with the credit bureau, complain to the lender, and file a police complaint.

3. How often should I be reviewing my credit report?

Ideally, every 3-6 months. At least once a year is free on each credit report bureau. It is a good idea to check regularly to catch fraud early and keep your credit score healthy.