What If Someone Uses Your Aadhaar to Take a Loan?

Your Aadhaar number is a powerful ID

It’s linked to your bank account, PAN, phone number, and more. But what happens if someone misuses it to take a loan in your name?

Sadly, Aadhaar fraud is real. With just your Aadhaar number and some personal details, scammers may try to get a loan—leaving you with legal trouble and a bad credit score.

Here’s what you need to know, and what you must do if you suspect Aadhaar misuse.

Can Someone Really Take a Loan Using Just Aadhaar?

In most cases, only your Aadhaar number isn’t enough. Banks and NBFCs need additional KYC documents like PAN, bank proof, and biometric verification. 

However, some shady loan apps bypass strict checks. These apps ask for only Aadhaar and PAN copies and disburse loans in minutes.

So yes, it is possible—especially with fake documents or leaked data.

Signs That Your Aadhaar Is Misused

You may not even know someone has taken a loan using your identity until:

You get a call for EMI payment you never took

You receive a CIBIL report with unknown loans

Your bank rejects your own loan due to poor credit

Always check your credit score regularly from sites like CIBIL, Experian, or CRIF.

Steps to Take If Your Aadhaar Was Misused

1. Check Your Credit Report

Visit CIBIL.com or any credit bureau. Download your report and check for unknown loans or credit cards.

2. File a Police Complaint (FIR)

Immediately visit the nearest police station and file a written complaint for identity theft. Mention all the loan details if known.

3. Inform the Lender

Contact the bank or loan provider where the fraud occurred. Share your FIR and proof that the loan wasn’t taken by you. Most lenders will freeze the account and start a fraud investigation.

4. Dispute with Credit Bureau

You can file a dispute online on CIBIL or the respective bureau to remove the wrong loan from your record.

5. Lock Your Adhaar Biometric

Go to uidai.gov.in and:

✓ Lock your Aadhaar biometric

✓ Check authentication history prevents anyone from using your thumbprint or iris scan without permission.

How to Protect Your Aadhaar from Misuse

Never share your Aadhaar photocopy without a purpose

Write the date and purpose on the copy you give to anyone

Avoid shady loan apps or unknown websites asking for Aadhaar

Use masked Aadhaar (download from UIDAI with only last 4 digits visible)

Enable Aadhaar lock through the UIDAI portal

Aadhaar is a helpful tool—but in the wrong hands, it can create big problems. Always stay alert, monitor your credit reports, and protect your digital identity. And remember, once fraud happens, acting fast is the key to saving your name and credit score.