Government loan schemes are designed to provide financial assistance for a range of needs, including starting a business or supporting a livelihood. A message circulating online now claims that people can get a Rs 3 lakh loan under a so-called Prime Minister Loan Scheme using their Aadhaar card.
The message says the loan is available to everyone based on their Aadhaar card. However, it does not provide details about eligibility, the application process or the government authority running the scheme.
What Is The Rs 3 Lakh Loan Claim
The message presents the offer as a central government scheme, giving it the appearance of an official loan programme. But it does not mention who can apply, where applications have to be made, or which government department is behind it.
In a post on X, PIB Fact Check addressed the information and marked the claim as fake. The agency stated, “No such scheme is being run by the central government.”
PIB Fact Check also cautioned people against attractive claims related to government schemes. The post began with the message, “Beware of fake schemes with attractive claims!”
The clarification makes it clear that there is no central government scheme offering Rs 3 lakh to every Aadhaar card holder. Simply asking for an Aadhaar card also does not make a loan offer a government-backed one.
How To Check Government Loan Schemes
Anyone looking to apply for a government loan or financial assistance scheme should first check the details on an official government website. It is worth confirming the scheme’s name, eligibility rules, benefits and application process before sharing any personal information.
For those trying to check whether a government scheme is genuine, the myScheme portal can be a useful starting point. It lists central government schemes along with details such as eligibility and benefits. PIB Fact Check has also pointed people to the portal for verifying such information.
Loan offers doing the rounds on social media or messaging apps deserve a closer look, especially when they promise a set amount but say little about who can actually get it.
Be careful if a government loan message asks you to click on a link or share your Aadhaar number, bank details or OTP. It is safer to check the claim first through an official government source. Information on welfare schemes is also available on the myScheme portal.
Before applying or sharing any personal details, it is worth checking whether the claim matches the information available on official government websites.
