Aadhaar Loan Fraud: How to Detect and Prevent Unauthorised Loans
New Delhi (The Uttam Hindu): In today's time, Aadhar card has become an important document, which is needed in almost every government and private work. From opening a bank account to buying a SIM card and from pension to getting gas subsidy, Aadhar card is in demand everywhere. However, with its increasing utility, the risk of fraud associated with it has also increased. Nowadays fraudsters are taking fake loans by misusing the information of others' Aadhar card. If something like this has happened to you or you want to avoid this danger, then it is important to know how you can ensure your safety.
How to find out whether a loan has been taken on your Aadhaar or not?
The easiest way to know about any unauthorized loans taken on your Aadhaar card is to check your CIBIL report. You can download your credit score and report for free by visiting the website of CIBIL or other credit bureaus such as Experian, CRIF High Mark or Equifax. For this, follow the following steps:
Visit the website www.cibil.com .
Sign up for “Free CIBIL Report”.
Log in using your Aadhaar card or PAN card.
View your complete loan history.
If you see any loan that you have not taken, be alert immediately.
How can Aadhaar fraud happen without OTP?
Usually, any transaction related to Aadhaar is done through OTP (one-time password), fingerprint or face recognition. However, many times fraudsters misuse biometric data to obtain loans fraudulently. Your fingerprints given at cyber cafes, shops or local centers can sometimes be saved insecurely, which can be used to carry out fraudulent loan process.
Ways to keep your Aadhaar data safe:
You can take the following steps to keep your Aadhaar data secure:
Activate the biometric lock/unlock option by visiting the UIDAI website. This will prevent anyone from using your biometric data without your permission.
Update your Aadhaar data every 6 months.
Never give a copy of your Aadhaar card to any unknown person.
Always use Masked Aadhaar, in which only the last four digits of your Aadhaar are visible.
Where and how to report fraud?
If you suspect that your Aadhaar card has been misused, take the following actions immediately:
Call UIDAI helpline number 1947.
Register your complaint on the cyber crime portal cybercrime.gov.in .
File an FIR at your nearest police station.
Also inform the concerned bank or non-banking financial company (NBFC) immediately.
Measures to avoid fraud in future:
Be sure to check your credit report at least twice a year.
Take control of your Aadhaar yourself using the mAadhaar app.
Always keep the mobile number linked to your Aadhaar active.
Use Aadhaar Virtual ID (VID) as far as possible.
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