How To Check Active Loan On PAN Card

Unlike the past, loan approvals today happen in seconds. One integral part of these instant loans is the submission of a PAN card for identification.

How To Check Loan On PAN Card

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. You can do so by checking your credit report.

The credit report is a summary of your credit history, and it is mapped to your PAN card. The report summarizes your credit score and also allows you to check all your loans.

Read More About : How to Check CIBIL Score Online Without PAN Card?

How To Check 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

To check your CIBIL score, follow the following steps:

CIBIL website

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:

Experian website

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 provides credit reports and scores based on an individual's credit history. Usually, you can access your credit report for free once a year.

Here's a general guideline on how you can access your credit report through Equifax:

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. 

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. However, there are ways to check your active loans with the lender 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. 

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.


If you want to know how to stop misuse of PAN card, then you need to keep an eye on the activities that involve your PAN card. PAN card misuse has become a common problem in recent years. 

Users must stay vigilant and avoid sharing personal information regarding the PAN on suspicious websites. If your PAN is active but the details are not as per PAN, then immediately raise a complaint. Check your credit report regularly to see if there are any loans under your name that you are not aware of.

PAN Card Related FAQs

Yes, scammers can use your PAN card to obtain a loan through some instant loan apps.

Even though linking your PAN card to your Aadhaar is mandatory, you cannot currently obtain your credit score solely by using your Aadhaar number. To generate your credit score, you will need to provide your PAN card.

It can be found on your credit report. That is why it is essential for you to check your credit score and credit report on a regular basis.

When you apply for a personal loan, the bank will request your CIBIL credit score. Because all existing and old credit details are linked to your PAN, your PAN is required to generate your CIBIL report. Apart from other eligibility criteria, the loan approval is heavily reliant on your CIBIL report.

Credit card and loan details linked to your PAN card are used to calculate your CIBIL score. As having more than one PAN card is a punishable offense, if you already have one, you do not need to apply for another one.

If you suspect unauthorized loans or criminal activity linked to your PAN, notify the financial institution and the credit bureau immediately. It is critical to act quickly in order to protect your financial identity and creditworthiness.

If you find any discrepancies or inaccuracies in your credit report, you can dispute them directly with the credit bureau. They will investigate and correct any errors found.

Your credit report contains detailed information about your loans, such as loan account numbers, types of loans (personal loan, home loan, etc.), outstanding balances, repayment history, and loan status.

Credit Score Related

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