Cibil Enquiry and ckyc for loan done without my knowledge

[Urbanguru1466]

U

Urbanguru1466
PARTICIPANT
May 2, 2026 at 9:03 am

I opened one of my rarely used email accounts today and found that I have 2 CIBIL enquiry alert emails

* One enquiry from RKBANSAL Bank
* Another enquiry from Bajaj Finance

After that, I found an email from [**ckycindia.in**](http://ckycindia.in) saying:

>

The mail also had a **PDF attached** (KYC document). When I opened it, I saw some other person’s photo his phone number and address, but only the email ID shown is mine

I couldn’t see any PAN/Aadhaar number in the PDF, so I’m not sure if someone just used my email id or if my identity documents (PAN/Aadhaar) are also being misused.

I checked my **CIBIL score in Google Pay** and I don’t see any new loans or accounts.

# What I need help with:

* Is this a fraud attempt / identity theft?
* What should I do immediately to stop anything from happening?
* How do I confirm if my PAN/Aadhaar was used?
* Should I file a cybercrime complaint right now?

If anyone has faced something like this or knows how CKYC works, please guide me.

Thanks.

p.s used chat gpt to structure the post

Share

[Author]

Posts