How to Check Active Loan on PAN Card
Do you want to know if there’s any loan linked to your PAN card? It’s very easy to check. Your PAN card keeps a record of your loans, credit cards, and EMI payments. If you have taken any loan, big or small, it will show up in your credit report. In this guide, we’ll show you step-by-step how to check active loans using your PAN card. This is important to make sure no loan is taken in your name without your knowledge and to keep your credit score healthy.
Why Is It Important to Check Active Loans Linked to Your PAN Card?
- To Avoid Loan Rejections: Banks and NBFCs check your credit report before approving a loan. If you have unpaid or hidden loans, your application might be rejected.
- To Detect Fraud or Misuse: Sometimes, loans might be taken in your name without your knowledge using forged documents.
- To Manage Debt Smartly: Knowing all your active loans helps in better financial planning and avoiding defaults.
- To Improve Credit Score: By keeping track and clearing dues on time, you can boost your credit score.
Step-by-Step Guide: How to Check Active Loan on PAN Card
Step 1: Visit a Credit Bureau Website
To begin, you need to access your credit report. India has four major credit bureaus:
- CIBIL (TransUnion)
- Equifax
- Experian
- CRIF High Mark
Each of these agencies offers a free credit report once a year.
Step 2: Choose Any of the Below Platforms
You can directly visit their official websites:
Step 3: Register or Log In
- Fill in your personal details including:
- Full Name (as per PAN)
- PAN Card Number
- Date of Birth
- Email ID
- Phone Number
- Create an account and verify via OTP sent to your mobile number.
Step 4: Authenticate Your Identity
You may be asked a few questions related to past loans, EMIs, or credit cards for security verification. Answer them accurately.
Step 5: View Your Credit Report
Once you’re authenticated, you can view your credit report. Look for sections like:
- Credit Accounts / Loan Accounts
This section will list all the active loans, including:- Type of Loan (Personal, Home, Education, etc.)
- Loan Amount
- Outstanding Balance
- EMI Status
- Payment History
- Lender’s Name
Step 6: Download or Save Report
You can download a PDF copy of your report for future reference.
Alternative Ways to Check Active Loans Using PAN
1. Through Your Bank’s Net Banking Portal
Many banks offer credit report checks via their net banking platform. Login to your net banking → Credit Report section → Enter PAN and view report.
2. Using Fintech Apps
Apps like Paytm, Cred, BankBazaar, Paisabazaar, or OneScore offer free credit report checks linked with your PAN.
3. Ask the Bank Directly
If you suspect a loan was issued in your name, you can contact the concerned bank or NBFC and request details by providing your PAN card.
What to Do If You Find an Unknown Loan on Your PAN?
- Raise a Dispute with the credit bureau directly from their portal.
- File a Complaint with the lender for clarification and resolution.
- Report to Cyber Crime in case of identity theft.
- Alert the Bank and get it investigated immediately.
Tips to Stay Safe and Maintain a Clean PAN Record
- Never share your PAN photocopy without purpose.
- Monitor your credit report once every 3–6 months.
- Don’t delay EMI or loan repayments.
- Keep an eye on suspicious activity or unknown loan entries.
Conclusion
Your PAN card is the backbone of your financial identity in India. With just your PAN number, you can access a complete snapshot of your active loans and credit behavior. Regularly checking your credit report not only keeps you informed but also protects you from fraud and helps maintain a good credit score. Make it a habit to check your credit report and stay financially healthy and secure.
