Is There a Loan Going on Your Aadhar Card Without You Knowing About it? How to Check and Report Fraud Immediately

Aadhaar Card Loan Fraud Alert: Protect Yourself from Unauthorized Loans

In today’s digital age, the Aadhaar card has become an essential document for availing government schemes, banking services, and loans. However, rising cases of Aadhaar card loan fraud have left many victims struggling with unauthorized loans taken in their name. If you suspect someone has misused your Aadhaar details to obtain a loan, here’s a detailed guide on how to check and take immediate action.

What is Aadhaar Card Loan Fraud?

An Aadhaar card contains sensitive personal details, including your name, address, mobile number, and biometric data. Fraudsters sometimes use these details to apply for loans without the cardholder’s knowledge. If unnoticed, victims may face legal troubles, debt burdens, and a damaged credit score.

How to Check if a Loan is Taken on Your Aadhaar Card?

1. Check Your CIBIL Report

Your CIBIL report is the most reliable way to verify if any loan or credit card is linked to your name. Follow these steps:

• Visit the official CIBIL website (www.cibil.com).
• Enter your PAN card, Aadhaar number, and other required details.
• Download your free credit report.
• Review all listed loans and credit cards. If you spot an unauthorized loan, report it immediately.

2. Verify Through Bank or NBFC Portals

Some banks and Non-Banking Financial Companies (NBFCs) allow loan verification using your Aadhaar number:

• Log in to your bank’s official website or mobile app.
• Enter your Aadhaar number and complete OTP verification.
• Check for any active loans under your name.

3. Monitor Bank Statements

Regularly check your bank statements for any unfamiliar loan disbursements or EMI deductions. If found, contact your bank immediately.

What to Do if You Detect Fraud?

If you discover an unauthorized loan linked to your Aadhaar card:

1. File a Complaint with RBI – Visit the RBI’s Sachet portal (https://sachet.rbi.org.in) and report the fraud.
2. Lodge a Police Complaint – Visit your nearest cyber crime police station and file an FIR.
3. Notify Your Bank – Inform your bank to freeze suspicious transactions.
4. Update Your CIBIL Report – Raise a dispute with CIBIL to rectify your credit history.

How to Prevent Aadhaar Card Loan Fraud?

• Never share your Aadhaar OTP with anyone.
• Regularly check your CIBIL score (at least once a year).
• Enable biometric locking via the UIDAI website to block unauthorized access.

Final Thoughts

With increasing digital transactions, Aadhaar card frauds are on the rise. Staying vigilant and regularly monitoring your financial records can help you detect and prevent fraud before it causes irreversible damage.