Is your PAN card being misused? Check for free at home like this:

News India Live, Digital Desk: In today’s digital era, PAN Card is not just a tax filing document but is the biggest proof of our financial identity. From opening a bank account to taking a loan, investing and filing ITR, it is mandatory for every small and big task. We often give its photocopy or number anywhere without thinking, and this small carelessness of ours can cost us a lot.

Have you ever thought that a fraudster can take a fake loan or make a credit card in your name using your PAN card? By the time you come to know about this fraud, a debt of lakhs has accrued in your name and your CIBIL score has also been ruined.

Therefore, it is very important that you are careful about your PAN card and keep checking it from time to time to ensure that it is not being misused.

How to know whether your PAN card is secure or not?

It is very easy to locate and you do not need to go anywhere for this. You can check all this for free from your phone or computer. The best and most accurate way is to check your credit report or CIBIL report. This report is your complete financial horoscope, which contains every detail of every loan and credit card running in your name.

Check your credit report for free like this:

1. You can go to any major credit bureau like CIBIL, Equifax, Experian, or CRIF High Mark Go to the official website of. Nowadays many big banks and payment apps (like Paytm, Paisabazaar) also provide this facility for free.
2. Select the option ‘Check Free Credit Score’ or ‘Get Free CIBIL Score’ on the website.
3. You will have to enter some of your general information like full name, date of birth, PAN card number and mobile number.
4. An OTP will come on your mobile for verification. enter the.
5. Bus! Your complete credit report and your credit score will be in front of you.

Now look at this report very carefully. In this ‘Accounts’ or ‘Loan Details’ Go to section. Check here which loans or credit cards are running in your name. One mistake and your bank account can become empty! Find out today whether your PAN card is being misused or not. If you see any loan or card which you have never taken, then understand that you have become a victim of fraud.

If you see any problem, do this immediately

• Complain immediately: In case of any such fraud, first of all lodge a complaint by visiting the Income Tax Department portal or TIN NSDL website.
• Notify the police: Along with this, immediately report this fraud to your nearest police station or the National Cyber ​​Crime Reporting Portal of the Government of India. (cybercrime.gov.in) But give.
• Contact Bank/Company: Immediately inform the bank or company in whose name the fake loan is appearing by email or phone about this fraud.

Remember, a little caution can save you from getting into a big financial trap.