Has someone else taken a loan against your PAN card? How to check at home in 2 minutes

By Samira Vishwas On Mar 5, 2026

PAN Card Safety Tips: First of all, download your credit report from the websites of TransUnion CIBIL, Experian, Equifax or CRIF High Mark. As a rule, you can get a free credit report from these websites once a year.

PAN card

PAN Card Safety Tips: PAN card is the most important document today, but the cases of misusing it and taking fake loans in your name are also increasing. Often people come to know about this when their loan application gets rejected or their CIBIL score falls. To keep your financial planning safe, it is very important that you keep checking from time to time that there is no loan appearing on your PAN card which you have not taken. In such a situation, we are telling you some important tips, through which you can check easily.

How to check how many loans you have?

First of all, download your credit report from the websites of TransUnion CIBIL, Experian, Equifax or CRIF High Mark.
As a rule, you can get a free credit report from these websites once a year.
After receiving the report, check the ‘Account Information’ or ‘Loan Details’ section of the report very closely.
If you see a loan or bank account there which you never opened, then understand that there is something wrong.
Additionally, if the report shows a credit inquiry that you did not make, it could be a sign of fraud.

How to check through apps and statements?

Apps like CRED, Paytm and Google Pay instantly show information about all active loans and credit cards linked to your PAN.
Always keep notifications on on these apps, so that you get instant alerts as soon as any new loan or card is added in your name.
For security, check your bank statement every month.
If any unknown transaction or EMI appears in the statement, do not ignore it. This could be a case of fraud.

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Where to complain?

On the other hand, if the amount is being deducted from your account automatically without your knowledge, then ignoring it can be a big problem for you. In this situation, immediately contact the concerned lender and tell them about this entire matter. File a complaint with the credit bureau and if the matter is serious, call the 1930 helpline of the National Cyber Crime Portal and complain. By doing this you can avoid cases of fraud.