PAN Card Safety Tips: If there is any most important financial document used in the country, it is PAN card. Whether you want to open a bank account, file income tax return or take a loan. It is needed everywhere. Facilities have increased in the era of digital banking and instant loans. But the methods of fraud have also increased equally. In many cases, people then come to know that the loan is running in their name.

When he himself goes to get a new loan or credit card and the application is rejected. Imagine that you have not taken the loan and the EMI is registered in your name. If not checked in time, CIBIL score may get spoiled and further financial planning may get spoiled. Therefore, it is important that you keep checking from time to time whether any fake loan is linked to your PAN.

How to check loan in your name?

To take a loan you need PAN card. Is any fake loan taken on your PAN card? To find out this, first download your credit report. There are four authorized credit bureaus in India. Like TransUnion CIBIL, Experian, Equifax and CRIF High Mark.

You can get a free report once a year from their website. Check the Account Information or Loan Details section of the report carefully. If you see any loan which you have not taken or there is an entry from an unknown bank. So get alert immediately. A sudden large loan amount or an uninformed credit inquiry is also a hint that something is wrong.

Keep checking in on apps and statements

Today, many fintech apps on phones like CRED, Paytm and Google Pay show information about active loans and cards related to your PAN. Keep notifications on on these. So that news of any new entry can be received immediately. Along with this, definitely check the bank statement every month.

complain here

If EMI is being deducted without information or any suspicious transaction is seen. So don’t delay. Contact the concerned lender immediately. File a complaint with the credit bureau and, if necessary, report it to the National Cyber ​​Crime Portal or call the 1930 helpline.

Also read: How much money does the Rajasthan government give for the education of daughters, do you know the name of this scheme?