In today's digital era, as important as Aadhaar card is, its misuse has also increased. Many people are becoming victims of fake loans running in their names without knowing it. In such cases, suddenly a call, notice or bad credit score comes from the bank. The good thing is that you can find out sitting at home whether there is a loan in your name or not. Timely investigation and complaint can save you from a lot of trouble.
Aadhaar card is today linked to banking, mobile connection and government services. For this reason, fraudsters can misuse it and take a loan in your name. Many times people come to know when they get bank recovery call or information about falling credit score. This problem especially happens with those people who have shared the copy or details of Aadhaar somewhere. Therefore, it has become very important for every user to check from time to time.
The most reliable way to know whether there is a loan in your name or not is to check your credit report. For this, you can download free reports by visiting the websites of agencies like CIBIL, Experian or Equifax. You can also use www.cibil.com website. After entering PAN card, Aadhar number and some basic information on the website, your complete credit history is revealed. All loans and credit cards are visible in it. If you see a loan which you have not taken then understand that there is a danger.
Many banks and NBFCs provide their customers the facility to view loans linked to Aadhaar number. For this one has to login by visiting the bank's website or mobile app. After completing the verification through OTP by entering the Aadhaar number, you get the information about the loan related to your name. If any unknown loan is seen there, it is important to contact the bank immediately. This method is considered fast and easy.
If any fake loan appears in your credit report, do not delay. You can register your complaint by visiting the official portal of Reserve Bank of India https://sachet.rbi.org.in. Here you can submit the complaint by filling the complete information about the case. Apart from this, it is also necessary to lodge a report in the nearest police station or cyber crime cell. A timely complaint can save both your credit record and money.
Sharing Aadhaar number with anyone unnecessarily can be the biggest mistake. Always enter OTP or details related to Aadhaar only on trusted websites and apps. Keep checking your credit report from time to time so that any discrepancy is caught immediately. Being alert in the digital age is the biggest protection. A little caution can save you from big financial losses.
