New Delhi: In today’s digital age, Aadhaar cardholders are increasingly becoming targets of cyber fraud, with reports surfacing of fake loans being taken out using stolen Aadhaar information. Many victims remain unaware until they receive recovery notices or bank alerts. If you suspect that a fraudulent loan has been taken in your name, it’s time to act fast and secure your identity.
🔍 How to Check If a Loan Has Been Taken on Your Aadhaar
To determine if a loan has been fraudulently issued using your Aadhaar card, the most effective step is to check your credit report. Here’s how:
Visit the official website: Go to www.cibil.com or any registered credit bureau like Experian, Equifax, or CRIF High Mark.
Sign up or log in using your Aadhaar or PAN number.
Download your free CIBIL report to review your credit history.
Check for unfamiliar loans or credit activities you did not initiate.
If you spot a loan you never applied for, report it immediately to avoid a negative credit score impact and future complications.
❓How Does Fraud Happen Without an OTP?
Aadhaar-based transactions generally require OTP or biometric authentication. However, fraudsters may bypass this by:
Storing biometric data from cyber cafes or local Aadhaar centers.
Misusing photocopies of Aadhaar cards submitted for KYC at various places.
This stolen data is often used to apply for instant online loans, without the actual cardholder ever knowing.
🔒 How to Secure Your Aadhaar Data
To prevent misuse of your Aadhaar, follow these essential safety tips:
Enable the Biometric Lock/Unlock feature through the UIDAI website or mAadhaar app.
Update your Aadhaar details regularly—at least once every six months.
Never share full Aadhaar copies with unknown individuals or websites.
Use Masked Aadhaar, which hides the first 8 digits, when KYC is required.
Report Aadhaar misuse immediately via:
UIDAI’s helpline: 1947
cybercrime.gov.in for online complaints.
Visit the nearest police station to file an FIR.
🚨 Stay Alert, Stay Protected
With rising instances of Aadhaar misuse, it’s crucial to remain vigilant. Regularly monitor your credit profile, use biometric protection, and avoid sharing your Aadhaar casually. By taking these steps, you can ensure that your identity and financial standing remain secure.
Author Profile
- My name is Kuldeep Singh Chundawat. I am an experienced content writer with several years of expertise in the field. Currently, I contribute to Daily Kiran, creating engaging and informative content across a variety of categories including technology, health, travel, education, and automobiles. My goal is to deliver accurate, insightful, and captivating information through my words to help readers stay informed and empowered.
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