Check Active Loans on PAN Card

Checking the active loans on your PAN card is an important habit for maintaining your financial health. Since your PAN is the primary identifier for almost every financial transaction, any credit activity, whether authorized by you or not, is permanently linked to it. This article will discuss how to check all your loan details in various ways.

PAN cards have been the subject of several frauds in recent times. To ensure the safety of your credentials and avoid unnecessary loans in your name, you must regularly check the active loans on your PAN card. The simplest way to do this is by reviewing your credit report.

Your credit history is summarized in your credit report, which is linked to your PAN card. The report summarizes your credit score and also allows you to check all your loans.

Different Ways to Check an Active Loan on a PAN Card

How to Check Active Loans on a PAN Card Using Credit Report

CIBIL and Experian are the major credit bureaus operating in India. Banks and lending institutions seek credit reports from these bureaus to check your creditworthiness and ensure a safe financial transaction. 

CIBIL and Experian also provide credit reports to individuals seeking them. The reports contain detailed information about your loan history, an overview of your job profile, repayment history, credit inquiries, personal and contact information, credit card utilization, and credit score.  

Check Your CIBIL Score

Follow these steps to check your CIBIL score:

Step 1: Visit the official website of CIBIL

Step 2: Click on “Get Free CIBIL Score & Report.”

Step 3: Create an account if you are a new user by "entering your personal information", including your name, identity proof (PAN Card and PAN Card number), and date of birth, and press continue

Step 4: On the next screen, "enter the OTP sent to your mobile number and email address" for verification

Step 5: The page will be directed to the main dashboard of your CIBIL account

On your dashboard, you will find your CIBIL score along with information regarding your employment, account, and more. CIBIL also allows you to analyse your score and download the report free of cost.

Check Your Experian Score

You can find out your Experian score in the following way:

Step 1: On the Experian website, click on “Get your Credit Report.”

Step 2: Provide your mobile number on the next page and enter the OTP sent 

Step 3: On the next screen, enter the details linked to your loan or credit card account (name, email address, DOB, PAN card number, address, and PIN code)

Step 4: Then, agree to the terms and conditions of Experian and click on “Get Report.”

Step 5: The report gives a detailed insight into your loans and the factors that play a role in determining the score.

CIBIL and Experian also allow users to raise a dispute in case of any discrepancies in the credit report.

There are also several third-party applications that provide your credit score instantly. Most applications display both CIBIL and Experian scores in one place, making it easier for users. 

While it is quicker, you must be wary of possible illegal websites that might use your information for fraudulent activities. 

How to Check Active Loans on a PAN Card Using Equifax?

Equifax is a credit bureau that offers credit reports and scores based on an individual's credit history. Typically, you can access your credit report annually at no cost.

If you are searching for ‘how to check my all loan details’ through Equifax, follow these steps -

Step 1: Visit the Equifax website

Step 2: Create an account if you are a new user or log in if you're an existing user

Step 3: Provide personal details such as your name, address, PAN card number, DOB, etc

Step 4: You can then request a credit report containing your credit history, including loans and credit accounts

Step 5: The credit report will show information about your loans, including their status, outstanding balances, payment history, and other relevant details

Remember, Equifax provides credit reports based on your credit history, which may not be directly linked to your PAN card. Your credit report will contain information based on the accounts and loans that are associated with your name, address, and other personal details you provide to financial institutions.

How to Check Active Loans on a PAN Card Using CRIF High Mark?

CRIF High Mark doesn't offer a direct way to check active loans using only your PAN card. However, you can access your credit report from CRIF High Mark, which will list all your current and past loans along with their details like outstanding balances, repayment history, and credit limits. Here's how you can do it. 

Step1: Visit the CRIF High Mark website

Step 2: Fill in your details such as your full name, mobile number, email ID, ID proof, and address. 

Step 3: You will have to provide any 1 ID proof out of PA, Voter’s ID, Passport number, driving license, or Ration card.

Step 4: Next, select your report type from the three available options: Free Credit Report, Paid Report (via Subscription Plans), and Paid Report (without a score). 

Step 5: On the next page, you will be asked to authenticate your identity by answering a few questions based on your credit history

Step 6: After answering one of these three questions correctly, you will be given your report via your registered email ID and the account dashboard.

How to Check Active Loans on PAN Card with Fintech Apps

You can use certain fintech apps like Moneyview or Paytm to get your credit report. Here is how:

• Install a trusted fintech app like Moneyview.

• Sign up or log in to the app and provide your PAN details.

• Once you have provided your PAN number, you will be able to verify your active loans and other credit details.

These apps can be a convenient way to check active loans on your PAN card with ease. 

How to Check Active Loans on PAN Card Directly With the Lender

PAN cards mainly serve as tax identification documents, and lenders typically require additional information for verification to access your loan details. Learn how to check all your loan details using your PAN card along with other information -

1. Net Banking or Mobile App

This is often the quickest and most convenient option. Most lenders offer platforms where you can log in with your credentials and view your active loans. Here are the steps to follow -

Step 1: Sign up using your KYC details, like your bank account information and PAN.

Step 2: Confirm your credentials and log in to your account.

Step 3: Go to the ‘Loans’ section to check the active loans on your PAN. You can manage and review each loan.

2. Checking the Lender's Website

Some lenders allow you to view active loans on their website without logging into online banking. You might need to register or create an account with your PAN card and other details. 

3. Contacting the Lender Directly

Call or email the lender and inquire about your active loans. Provide your PAN card number, name, or loan account number for verification. This might be helpful if you don't have online access.

4. Checking Loan Statements

Review your most recent paper statements from each lender. These typically include details about your current loan balance, payment due date, and interest rate.