News India Live, Digital Desk: In today’s era, our Aadhar card is no longer just an identity card, but it has become the key to access our bank account, SIM card and loan. But have you ever wondered what would happen if this ‘key’ falls into the wrong hands? Imagine, you have never taken any loan, but one day suddenly you get a notice from the bank or your CIBIL score suddenly falls. Nowadays, cases of ‘loan fraud’ are increasing rapidly where fraudsters take small loans using others’ Aadhaar and PAN cards and you have to bear the brunt of it. How to know that fraud is happening in your name? There is no need to worry, you can find it out sitting at home. The easiest way is to check your ‘Credit Score’ (CIBIL Score). Check your free CIBIL score on trusted apps like Paisabazaar, Bankbazaar or CRED. There you will see a list of ‘Loan Accounts’ or ‘Enquiries’. If in this list you see a bank or loan app with which you have never had any contact, then understand that something is wrong. To keep yourself safe ‘Smart’ ways: Use biometric lock: You can lock your biometric (thumb impression) by visiting m-Aadhaar app or UIDAI website. Unless you unlock it yourself, no one will be able to use your Aadhaar for authentication. Masked Aadhaar: Do not give photocopies of the original Aadhaar everywhere. Download ‘Masked Aadhaar’ from the internet in which only the last 4 digits are visible. It is useful for identification, but it makes it impossible to commit fraud. Search your name: Go to Google or official government portals and check which services your Aadhaar is linked to. If any unknown SIM card is running in your name, then get it stopped immediately through the ‘Sanchar Saathi’ portal. What to do if a fraud occurs? If you come to know that a fake loan has been taken on your basis, then do not panic at all. First of all, lodge a complaint with the customer care of the concerned bank or finance company and ask them to register a ‘Dispute’. FIR in the nearest cyber cell. Get it done. Online complaint can also be made on the RBI portal. A small thing while going on… The more facilities we are getting in the internet world, the more the danger has also increased. It is important to check your CIBIL score and bank statements from time to time just like we check the door of our house. Just a little caution can save you from getting into big financial trouble.