In today’s time, PAN card is required only for paying taxes or opening a bank account. document is no longer a threat to your identity and financial security From connected most important document Has also been made. Many big transactions, loans, credit card, Property purchase And investment like half From More financial Process In PAN card is required. But have you ever wondered where your PAN card is being used and whether anyone else is taking advantage of it.

Many such cases have come to light earlier also, where people pan The cards were being used in places about which they had no knowledge. In such Let go Today We To you tells Are That Yours pan How can you find out where the card is linked?

How to find out where your PAN card is linked?

To know where your PAN card has been used Of The easiest and most reliable way credit The report is considered. CIBIL, Experian, Equifax And CRIF Hi mark As credit Bureau All loans taken in your name and credit Of record Keep. In such a situation, you can go to these websites and enter your PAN and mobile number. Free Or tree credit You can order the report.

How to get it while sitting at home credit Report?

• House sitting credit To get the report first you CIBIL, Experian And Equifax like someone credit Bureau Open the website of.
• after this credit report or Free credit to check score option select Do it.
• Now your name, berth date, address And fill the information like PAN number.
• Now you may have to pay for reports on some websites, while some websites Free trial Also gives.
• After clicking on this you can credit You can see the report. In this you will know which loan is available in your name from which bank, when and with what amount. active Is.

What to do if you find misuse of PAN card?

if you credit If there is any discrepancy in the PAN card in the report that your PAN card is being used in the wrong place, then you should immediately contact the concerned bank or institution. Along with this you can file an FIR with the police or cyber crime You can also file a report in. You can also give this information to the Income Tax Department. Also next credit Also keep checking the reports regularly.

Check Aadhaar-PAN link also like this

Nowadays, as per the instructions of the government, it is necessary to link Aadhaar card with PAN card. In such a situation, to check whether PAN card is linked to your Aadhaar or not, you can go to Income Tax e-mail.filing portal Go to. After this PAN and Aadhaar number enter Do it. Now view Links Aadhaar Status Click on and then you Screen link on status Will be visible. Keep in mind that if your PAN card is not linked to Aadhaar then your financial work may get stuck or your PAN card may also get stuck. inactive Can be done.

Read this also-You can get FD interest on savings account also, just do this while opening the account.

In today’s time, if there is a sudden need for money, people first resort to personal loan. Whether you want to repair your house, meet wedding expenses or need immediate money for some important work, personal loan from banks and NBFCs has become an easy option. But do you know that your salary and CIBIL score decide how much loan you can get. Let us tell you today how much loan you can get and how you can check it.

How much loan can one get according to salary?

Banks usually set a personal loan limit of 20 times your monthly income. That means, the higher your salary, the more are your chances of getting a loan. In such a situation, if your salary is Rs 25,000 per month then you can get a loan up to Rs 5 lakh. Whereas if your salary is Rs 50,000 then you can get a loan up to Rs 10 lakh. Apart from this, if your salary is Rs 75 thousand then you can get a loan up to Rs 15 lakh. In this way, the higher your salary, the more loan you can get. However, every bank has its own loan cap limit in which some banks give loans only up to Rs 25 lakh, while some banks approve loans up to Rs 40 or even Rs 50 lakh.

How much loan is right to take?

According to financial experts, any person should take such a loan whose EMI is not more than half of his salary. For example, if your monthly salary is Rs 25,000 then your EMI should not be more than Rs 12,500. In this way, there is no problem in repaying the loan and expenses are also not affected.

What factors decide the loan amount?

• Income- Your monthly salary and its source are the biggest factors to decide the loan amount. In this, the bank sees whether your job is stable or not and whether your income comes regularly or not.
• Credit Score- Credit score is a three-digit number that tells you your credit card history. In this, if the score is 750 or more, the loan gets approved quickly and the interest rate is also low.
• Current Loan- If you already have a loan, then while giving a new loan, the bank also keeps in mind which and how much loan you already have.
• Loan Cap- Loan cap means that every bank has a maximum limit. Loans beyond that limit are not approved.

Check your CIBIL score like this

• To check your CIBIL score, go to the official website of CIBIL www.cibil.com.
• After this click on Get Your Free CIBIL Score.
• Now fill the information like your name, PAN card number, date of birth and email.
• After this verify with OTP.
• After verification, your credit report and CIBIL score will be sent to your email ID.

Also read: Has anyone taken a loan on your PAN card? You can check like this

In the digital age, PAN card has become your biggest financial identity. But if someone misuses your PAN card, i.e. opens a loan or credit card in your name without permission, then your credit history and ability to take future loans can be adversely affected. Recently, such complaints have also increased rapidly due to which RBI has instructed banks and NBFCs to follow strict rules. Apart from the rules of RBI, it is very important to be alert for your own safety to avoid this fraud related to pen. In such a situation, today we will tell you whether anyone has taken a loan on your PAN card and how you can check it.

How to know whether someone has taken a loan on PAN card or not?

Credit report is considered to be the most reliable way to know the information about the loan or credit card running on your PAN card. This credit report from CIBIL / Experian / Equifax keeps a record of all the loans, credit cards and inquiries made in your name. With this, your credit report is also considered a document that keeps an eye on every financial activity of the PAN card.

How to check credit report?

You can check your credit report to find out whether anyone has taken a loan on your PAN card or not. To check credit report, you can visit the websites of these credit bureaus. On this website you can download your credit report for free. For this you just have to provide basic information like PAN number and mobile number. At the same time, it is clearly written in this report which accounts are active in your name, which loans are running in your name and which institutions have inquired about your PAN.

Keep some special things in mind while viewing credit report

According to RBI, some special things have to be kept in mind while checking the credit report. In which first of all you should see that any such loan or credit card is not visible in your report for which you have never applied. Apart from this, check that your account number or bank company name is not wrong. Also check in the report whether there is any credit inquiry which you have not approved. If you see any of these things in your report, consider it a red flag and take immediate action, otherwise your credit score may be affected.

What to do if you get a fake loan?

• If you see fake loans in the report, there is no need to panic. For this, first of all you should contact the lender i.e. Bank-NBFC, in whose name the loan is visible and tell them that it is a fraud.
• Apart from this, lodge an online complaint with the same credit bureau. So that he can amend the report. For this, proof of identity card and affidavit is necessary.
• After this, go to the cyber crime cell of the nearest police station and register. This legal action will be useful to you in future also. You should also keep all the documents like copy of PAN card, receipt of complaint, email or message safe.

How to keep PAN card safe?

• To keep the PAN card safe, do not share the PAN number on any unknown website, app or WhatsApp message.
• Apart from this, when giving a photocopy of PAN card to someone, write a signature on it only for checking.
• Apart from this, keep strong passwords for bank accounts and apps and keep SMS-email alerts on.

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