Aaj ke digital time me loan lena kaafi easy ho gaya hai, lekin isi ke saath loan fraud ke cases bhi tezi se badh rahe hain।

Bahut se log bina proper jankari ke loan apply kar dete hain aur fraud ka shikar ho jaate hain।
Is article me hum aapko loan lete samay hone wale 7 sabse bade fraud aur unse kaise safely bacha ja sakta hai, detail me batayenge।

Loan Fraud Kya Hota Hai?

Loan fraud tab hota hai jab koi fake company, agent ya app aapse galat tareeke se paisa, documents ya personal information le leta hai aur loan provide nahi karta।

⚠️ Aise fraud zyada tar:

  • Online platforms

  • WhatsApp / SMS

  • Fake loan apps
    ke through hote hain।

1️⃣ “Guaranteed Loan” Fraud

Agar koi bole:
❌ “100% guaranteed loan”
❌ “No CIBIL check”
❌ “Sabko loan milega”

👉 Samajh jao yeh fraud ho sakta hai।

✔ Koi bhi genuine bank ya NBFC guaranteed loan ka wada nahi karta।

2️⃣ Advance Fee Scam

Is fraud me:

  • Pehle processing fee

  • File charge

  • Insurance charge
    maanga jaata hai, loan dene se pehle।

⚠️ Rule yaad rakhein:
Real bank kabhi bhi loan se pehle paisa nahi maangta।

3️⃣ Fake Loan Apps Fraud

Play Store par bhi kai baar fake loan apps mil jaate hain jo:

  • Contact access

  • Gallery access

  • OTP access
    le lete hain aur misuse karte hain।

✔ Sirf RBI registered NBFCs ke apps hi use karein
✔ App install karne se pehle reviews check karein

4️⃣ WhatsApp / SMS Loan Offers

Agar aapko message aaye:
📩 “Instant loan WhatsApp par”
📩 “Click karo aur paisa pao”

👉 Zyada chance hai ki yeh scam ho।

✔ Bank kabhi personal WhatsApp se loan offer nahi karta।

5️⃣ Fake Agent Ya Middleman Fraud

Kuch log khud ko:

  • Bank agent

  • Loan consultant
    batakar loan dilane ka wada karte hain।

❌ Agar koi bole “main setting karwa dunga” – alert ho jao।

✔ Hamesha official bank branch ya website se hi apply karein।

6️⃣ Document Misuse Fraud

Is fraud me:

  • Aadhaar

  • PAN

  • Bank statement
    ka galat use hota hai।

✔ Documents sirf trusted platforms par hi upload karein
✔ Watermark use karna better hota hai

7️⃣ Fake Call Center Fraud

Kabhi-kabhi call aata hai:
📞 “Aapka loan approve ho gaya hai”

Phir:

  • OTP

  • Card details
    maange jaate hain।

⚠️ Koi bhi OTP kabhi share na karein।

Loan Fraud Se Bachne Ke Safe Tips

✔ RBI registered lender hi choose karein
✔ Official website se apply karein
✔ Google reviews check karein
✔ Koi bhi advance fee na dein
✔ Personal details protect karein

RBI Ki Important Guidelines

RBI ke according:

  • Loan disbursement se pehle paisa nahi liya ja sakta

  • Transparent charges batana mandatory hai

  • Customer data privacy zaroori hai

👉 RBI guidelines follow karna safety ka best tareeka hai।

FAQs (Frequently Asked Questions)

Q1. Loan fraud ho jaaye to kya karein?

Turant bank, cyber crime portal aur local police ko complaint karein।

Q2. Kya online loan lena safe hai?

Haan, agar lender genuine aur RBI registered ho।

Q3. Fake loan app kaise pehchaanein?

Poor reviews, advance fee demand aur pressure tactics red flags hain।

Disclaimer

Yeh article sirf educational aur awareness purpose ke liye hai। Kisi bhi loan decision se pehle official bank ya NBFC ki terms & conditions zaroor check karein।

निष्कर्ष (Conclusion)

Loan lena galat nahi hai, lekin galat jagah se loan lena bahut bada risk ho sakta hai।
Agar aap thoda sa alert rahenge aur upar diye gaye tips follow karenge, to aap loan fraud se easily bach sakte hain।