How to Check Active Loan on PAN Card? – Step-by-Step Guide

Your PAN (Permanent Account Number) is much more than a tax identity. It's a key link to your financial footprint, especially when it comes to loans and credit facilities. Every loan or credit card you’ve applied for—approved or rejected—is associated with your PAN and recorded by credit bureaus. If you want to know whether you have any active loans or suspect fraud under your name, this guide will show you exactly how to check all loans linked to your PAN card.

What is PAN and Why is it Important for Loan Tracking?

PAN (Permanent Account Number) is a distinctive 10-character alphanumeric code assigned by the Income Tax Department of India. It acts as a vital financial identification tool for individuals and entities across the country. PAN is essential for conducting high-value financial activities such as:

• Applying for loans and credit cards
• Opening bank accounts or Demat accounts
• Filing income tax returns
• Purchasing immovable property
• Making investments

When you apply for a loan, the lender submits your PAN details to credit bureaus, ensuring all your financial obligations are reported under one ID. This makes it easy to track your credit activity, such as active loans, payment status, overdue amounts, defaults, and more.

Read Also: How To Check All Loan Details Using Pan Number

Why Should You Check Active Loans on Your PAN?

Checking active loans linked to your PAN card is essential for both financial planning and fraud prevention. Here's why:

1. Identify Loan Fraud

If your PAN is stolen or misused, fraudsters can take loans in your name. Regular monitoring helps detect unauthorized borrowing.

2. Credit Score Accuracy

Your credit score is calculated based on your loan history, repayment discipline, and credit utilization. Knowing your loan status helps maintain a healthy score.

3. Loan Eligibility

Banks and NBFCs check your existing loan obligations when you apply for new credit. A clean and accurate report increases your approval chances.

4. Prevent Loan Rejection

Multiple unknown loans on your PAN can increase your debt-to-income ratio, resulting in loan rejection. Knowing your active loans helps you apply wisely.

What Is Included in a PAN-based Loan Check?

• Loan Type: Identifies the category of loan taken – personal, home, education, auto, business, etc.
• Financial Institution: Displays the name of the bank, NBFC, or lender that approved and disbursed the loan.
• Loan Amount: Shows the total amount that was sanctioned and disbursed to you at the time of loan approval.
• Outstanding Balance: The unpaid portion of the loan principal that is still due as of the latest update.
• Repayment Status: Indicates whether the EMIs are paid regularly, partially, or are overdue.
• Account Status: Tells you if the loan account is currently active, fully paid (closed), settled, or written off.
• Days Past Due (DPD): Reflects the number of days a payment was delayed for each month (e.g., 0, 30, 60, 90+ days).
• Loan Tenure: The original term or duration of the loan in months (e.g., 36 months, 60 months).
• EMI Amount: Displays the monthly installment that you are required to pay based on the loan terms.
• Credit Limit (for Credit Cards): If a credit card is linked, it will show the total credit limit and how much has been used.

How to Check Active Loans on PAN Card – Step-by-Step Methods

There are five primary ways to check loans on your PAN card. Most of them involve accessing your credit report via credit bureaus or trusted platforms.

1. Check Loans Using PAN Card via CIBIL (TransUnion)

CIBIL is India’s most well-known credit bureau. It collects loan and repayment data from over 3,000 lenders.

Step-by-Step:

• Visit https://www.cibil.com/
• Click on "Get your CIBIL Score".
• Enter your name, date of birth, PAN card, email ID, and mobile number.
• Complete OTP verification.
• Create your CIBIL login or continue as a guest.
• Once verified, your CIBIL report will be generated.

What You’ll See:

• Active loans with repayment status
• Loan start & end date
• Lender names
• EMI delays (if any)
• DPD (Days Past Due) history

• CIBIL Score (300 to 900)

You can check your CIBIL report for free once a year, or pay for a subscription to get more frequent updates.

2. Check Using PAN via Experian India

Experian is another RBI-licensed credit bureau that provides detailed reports based on PAN.

Steps:

• Visit https://www.experian.in/
• Click on “Get Credit Report”
• Provide PAN and personal details
• Enter OTP sent to your registered number

• Access your Experian credit report

You’ll get:

• List of all active and closed loans
• Lender and account details
• Last updated repayment info
• Credit score based on your history

3. Use CRIF High Mark to Check PAN-Based Loan Status

CRIF High Mark offers a multi-lender view of your credit exposure.

Process:

• Visit https://www.crifhighmark.com/
• Click on “Get Your Credit Score”
• Enter your name, PAN, and contact details
• Verify using OTP
• Access the report instantly

Useful for:

• Seeing loan types (retail, MSME, consumer loans)
• Checking overdue amounts
• Monitoring EMI performance

4. Check Loans on PAN via Equifax India

Equifax is a global credit bureau offering credit reports in India too.

Steps:

• Visit https://www.equifax.co.in/
• Click on “Request Your Credit Report”
• Fill the online request form with your PAN and email
• Submit KYC documents as requested
• Receive report via email in 2-3 working days

This report contains:

• Loan accounts, status, balance, and delays
• Credit card usage
• Enquiry records (i.e., how many times your PAN was used for loan enquiries)

5. Check via Credit Score Apps (Free PAN-based Checks)

Apps like OneScore, Wishfin, CreditMantri, Moneyview, and BankBazaar allow PAN-based loan tracking.

Example: OneScore App

• Download the OneScore app from Play Store or App Store.
• Register using your mobile number.
• Enter your PAN card.
• Get a detailed credit report synced with CIBIL or Experian.

Benefits:

• 24/7 access to your PAN-linked loans
• No spam calls or third-party loan offers
• Alerts for any new loan enquiries

What If a Loan Is Linked to Your PAN Without Your Knowledge?

This could be a sign of identity theft or PAN misuse. If you spot an unknown loan on your report:

Step 1: Raise a Dispute with the Credit Bureau

All credit bureaus have a dispute section on their websites. Lodge a complaint, provide details and documents, and request correction.

Step 2: Contact the Lender

Get in touch with the bank/NBFC that reported the loan. Share proof that it wasn’t authorized by you.

Step 3: File a Cybercrime Complaint

Report PAN misuse at the Cybercrime Portal and your local police station.

Step 4: Place a Fraud Alert on Your Report

Some bureaus allow you to flag your PAN to prevent further misuse until the issue is resolved.

How Often Should You Check Loans on Your PAN?

It’s a good financial habit to check your credit report every:

• 3 to 6 months: For regular financial tracking
• Before applying for a loan: To avoid surprises
• After settling or repaying a loan: To ensure proper closure is reported
• If you suspect fraud: Check immediately and alert authorities

Tips to Protect Your PAN from Loan Frauds

Never share photocopies of PAN openly. If required, write the purpose and date across the copy.

• Avoid uploading PAN on unknown websites.
• Monitor your credit reports regularly.
• Avoid third-party agents for loans.
• Use verified fintech platforms for any financial services.

FAQs – How to Check Loan on PAN Card

Q1. Can I check all loans using my PAN card number?

Yes, all loans sanctioned under your PAN are visible via credit bureau reports.

Q2. Is it safe to share PAN with credit score apps?

Yes, if the app is verified, RBI-compliant, and uses secure encryption (like OneScore, CreditMantri, etc.).

Q3. Will checking loan status on PAN affect my credit score?

No, these are soft inquiries and have no impact on your credit score.

Q4. What if I don’t have any loan on PAN but the report shows one?

Raise a dispute with the bureau and notify the concerned lender immediately.

Q5. Can I remove old closed loans from my PAN-linked report?

Closed loans are shown as “Closed” but cannot be deleted. They are part of your credit history for up to 7 years.

Final Thoughts

Checking active loans on your PAN card is no longer a hassle. Thanks to digital platforms and RBI-authorized credit bureaus, you can instantly track all loan accounts, spot errors, and take corrective steps—all using your PAN.

Whether you're applying for a new loan, planning your finances, or just being cautious about identity theft, regularly checking your credit report is essential to your financial health.