Wake up before your CIBIL score gets ruined, here is the easiest way to detect misuse of PAN card.

News India Live, Digital Desk: Today is 31 December 2025, the last day of the year. We’re all making new resolutions for 2026, but have you resolved to your financial security? In the last few months, thousands of such cases have come to light where people did not even know and someone took a personal loan worth lakhs on their PAN card number. Nowadays, many such digital lending apps have come which give small loans only on the photocopy of Aadhaar and PAN, and fraudsters are taking advantage of this. How is this a scam? Often we give a photocopy of our PAN card while getting a SIM card, opening a bank account or checking in at a hotel. These fraudsters use the same photocopy or number. Using your name and your number, they take the loan into their account. You get the first inkling of this when the time for paying the loan passes and your ‘credit score’ suddenly falls down. How to check sitting at home? (Step-by-Step Guide)It is very easy and takes hardly 2 minutes. You can use any trusted platform like CIBIL.com, Experian or some well-known fintech apps (Paytm, PolicyBazaar, OneScore). Go to the credit report portal: Search ‘Free Credit Report’ on Google and go to the CIBIL website. Fill in your details: There you will be asked for your name, mobile number and PAN card number. Log in: OTP will come on the mobile, as soon as you enter it, your CIBIL score will be updated. Active Loans List: If you scroll down a bit in the report, you will see a list. It is clearly written there that when and how much loan you have taken. If there is a loan amount which you never applied for, then understand that you have been cheated. What to do if you see an ‘unknown’ loan in your name? There is no need to panic after seeing the report, for this the government has made strict arrangements: Raise a Dispute: On the CIBIL website itself, you get the option of ‘Raise a Dispute’ against that particular loan. Click there and register your complaint. Talk to that bank: Immediately write an email to the bank or finance company in whose name the loan is visible. Help of Cyber ​​Police: For such incidents, immediately file your FIR on ‘cybercrime.gov.in’ portal. This will save you from any legal hassles in the future. Safety Mantra in 2026: Be Vigilant! Remember, PAN card is a very important document. Before giving your photocopy anywhere, put the date on it and draw an oblique line and write with a pen “Used only for [काम का नाम]”. This makes it difficult to use it again. The year is changing, but scammers are becoming more cunning. Check your credit report today and step into the new year 2026 with peace of mind.