The Indian Income Tax Department issues ten-digit alphanumeric numbers known as Permanent Account Numbers or PANs. For all financial transactions that exceed a particular amount, it is required. Because the PAN is connected to a person’s bank account, credit cards, and other financial activities, it is crucial for identification purposes.

The quantity of PAN scams has increased in the last several years. These con artists defraud individuals of their hard-earned money by using their PAN details. It’s critical to understand these scams and how to avoid them if you have a PAN. One of the strongest PAN systems in the world is found in India. It’s not flawless, though, despite that. In recent years, there have been several instances of PAN fraud. Typically, these scams are carried out by deceitful companies or people who have gotten their hands on PAN information belonging to other people.

Fraud PAN Card

PAN scams may seriously affect the lives of those who fall prey to them. These scams have resulted in some people losing their whole life savings. Because of this, it’s critical to understand the dangers and take precautions to keep oneself safe.

PAN scams affect thousands of individuals annually. Anyone can fall victim to these scams, regardless of their age, region, or financial situation. PAN frauds come in a variety of forms, but they always share the theft of the victim’s personal data and its use in criminal activity. PAN scams may have disastrous outcomes. The victim may even be jailed for crimes they did not commit, have their bank accounts frozen, and have their credit score severely damaged. The victim’s identity may occasionally be fully taken.

You may, however, take precautions to guard against these scams. When someone opens new accounts or gains access using your personal information, it’s known as PAN fraud. your current accounts without authorization. PAN fraud may occur through several means. The most frequent situation is when there is a data breach and someone steals your personal information. You should never hand out your personal information to someone you don’t know and trust in order to prevent PAN fraud. Additionally, you have to constantly monitor any modifications to your credit reports.

PAN verification API is now necessary for many firms for a variety of reasons. To prevent fraud, it is important that businesses comprehend the procedure and how it operates. One way to validate is via the PAN verification API. A PAN number by comparing it to the person’s name and birthdate. The RPACPC website offers access to the API service.

Anyone may simply do the PAN verification API method because it is straightforward. with a little knowledge of the internet and computers. But it’s important to remember that this procedure should only be used for legal reasons, not for any illegal or dishonest conduct for any illicit or dishonest actions.

Verifying your credit score is the most effective method of determining whether someone is abusing your PAN card. All of the loans you have taken out using your PAN are listed on this statement. You will be able to spot fraud if you come across any mentioned loans that you did not accept. The actions that follow can also be beneficial to you. 


Step 1: Several bureaus are accessible online, including TransUnion CIBIL, Equifax, Experian, Paytm, Bank Bazaar, and CRIF High Mark. Whichever option looks most convenient to you can be selected.

Step 2: Go to the website and look for the “Check credit score” option. While some websites may require you to select a plan in order to receive a thorough credit score, it is often free of charge.

Step 3: Provide correct information about your name, date of birth, registered cellphone number, email address, and PAN. It may be necessary to use an OTP to validate your cell phone number.

Step 4: Your credit score will be accessible to you. The loans that are now outstanding in your name will also be included.

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PAN Card Scams 

PAN card scams can happen in the following ways:

  • When submitting loan and credit card applications
  • When buying jewelry illegally
  • When hiring a car or a hotel


Misuse of PAN Card 

You should be able to report PAN card misuse now that you are aware of the procedures for identifying it. An internet website has been built by the Indian government’s Income-tax department to facilitate the filing of PAN Grievances through Aaykar Sampark Kendra (ASK). As a result, if you discover a misuse in your PAN, you can report it by following the instructions listed below.


Step 1: Go to TIN NSDL’s official website. On the home page, look for the customer service area. 

Step 2: Choose the option labeled “Customer care.” It will cause a menu to slide down. 

Step 3: From the drop-down box, select “Complaints/Queries”. It’ll cause a complaint form to open. 

Step 4: Complete this form with correct information about the nature of the complaint. After entering the captcha code, select “Submit.”


PAN Card Frauds -How to avoid it? 

To be safe from PAN card frauds in the future, you can adhere to the guidelines listed below.

  • Refrain from inputting your PAN anywhere. Check the website’s legitimacy instead. Use less susceptible forms of identification like voter ID, driver’s license, and Aadhar cards.
  • Make an effort to give PAN photocopies exclusively to legitimate individuals or businesses. Put the date on these photocopies as well. Lastly, remember where you are sending these.
  • On internet portals, refrain from entering your entire name and birthdate. Your PAN may be tracked using these.
  • You are free to unlink your bank account from your Aadhaar card as it is no longer required by law.
  • Periodically check your credit score using web sources.
  • Take the PAN card information off of your phone.


As a result, as you can see, there has been a rise in bank fraud and criminal hacking related to PAN card fraud. Because of this, it is crucial to keep your PAN safe from risks like these, or else you may find yourself saddled with debt from loans that hackers obtained using your personal information. If you take the precautions outlined in this article, you can stay away from these problems.

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