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How to check an active loan on a PAN Card online?

By Tata Capital
24 February 2026
10 mins read
2845

Your permanent account number (PAN) card is one of the most important documents. Not only does the Income Tax department utilize it to track taxpayers, but it also serves as a vital tool for establishing one’s identity.

But as with any other product, there are some risks associated with them, and a PAN card is no exemption to it. Recently, there has been a rise in reported cases where individuals discover that loans have been taken out in their name without their knowledge or consent.

Cybercriminals have exploited PAN cards and mobile numbers to fraudulently secure loans under unsuspecting victims. As a consequence, victims suffer damage to their CIBIL score as these fraudulent loans go unpaid.

Thus, to safeguard yourself from such incidents, keeping a close check on your active loans using your PAN card is essential. In this article, we will explore multiple ways to check an active loan using a PAN card.

So, let’s get started.

Step-by-step guide: How to check loans on PAN Card

Say you want to know about the active loans with your bank account, and you’d like to search for them. There are primarily a couple of ways to search for an active loan using your PAN card. They are through the following:

Using credit bureau services
Using fintech applications
Directly reaching out to the lender

Depending on your convenience, you can use either one of the three:

How to check active loans on a PAN card using credit bureaus?

Credit bureau services have been in existence for a very long time. They are a reliable and trustworthy source of information that people use for various purposes. While you can use any of the credit bureaus in the market, it can help to know the different ones available.

CIBIL: CIBIL is one of the prominent credit bureaus in India. Their services are predominantly used to check credit scores for availing loans.

Equifax: Equifax is another popular credit service agency that provides credit scores and reports.

Experian: Along with credit scores and reports, Experian also provides bureau services for its customers.

CRIF high mark: An RBI-approved credit bureau based in India, CRIF high mark provides credit reports and microfinance for several industries.

Now that you know the different credit bureaus available in India, let’s see how to check active loans on a PAN card

First, visit one of these sites according to your preference and needs.
If you haven’t registered before, the website will prompt you to do so.
During registration, you will be asked for information about your name, PAN number, address proof, and the like.
Once registered, the website will ask you to confirm your registration using an OTP, which you’ll receive on your registered mobile number.
Post confirmation, you can see your active loan.

If you are a registered user at one of these websites, the process is similar to the above-mentioned steps. They are:

Log in using your personal details, such as PAN number and name.
Confirm OTP that you’ll receive on your phone number.
Access the website to view your active loan post-OTP confirmation.

On these websites, apart from checking active loans using a PAN card, you can also see your credit score, which can be useful to know how well your financial health is. Furthermore, you can also see if there is any unwanted action on your account and take steps to fight against it.

How to check loan status using fintech apps?

Fintech applications are quite the rage in India. Apart from using them in your everyday life for making quick payments, you can also use them to check your active loans. Here are the steps to do that:

Register yourself as a user by providing your KYC details such as bank account details, PAN number, etc.
Confirm your details and log into your account.
Access the loan section in the app.
View your active loan details and manage your account.

While the steps may change slightly depending on the app, the general overview here is the same for most of them.

Check loans directly with your lender

Contacting the lender directly

Sometimes the traditional way can be the best method to do things. For example, directly speaking to your lender or visiting them in person can help you check your active loans.

But since this is personal information, they will cross-check to confirm if you are the owner of the particular loan account. Lenders will generally ask you for the following information:

Bank account number
Full name of the individual
Loan account number
PAN card number
OTP verification on the mobile number
ID proof

While the list may be long, lenders are cautious about sharing personal information. So, ensure you keep a list of these documents ready in both images and print format if you’re going in-person to the lender.

Net banking or mobile app

Most lenders offer their mobile banking app where you can log in with your credentials and carry out banking activities, conduct transactions, and manage your bank account.

Sign up on the app using your KYC details including your bank account information and PAN.
Verify your credentials and log in.
Navigate to the “Loans” section to view and manage your active loans.

Check the lender’s website

Some lenders also allow you to manage your loan account on the website without using the mobile app. You can log in to their website using your credentials and view your active loans.

Check loan statements

You can request paper statements from your lender. Review these statements which typically include information related to your current loan balance, payment due date, and interest rate.

How to check loan status online on PAN Card using credit report: CIBIL, Experian, Equifax, & CRIF

Checking your loan status using your PAN Card is easy through credit reports. Credit reports show all loans and credit cards linked to your PAN. In India, the main credit bureaus are CIBIL, Experian, Equifax, and CRIF. Here’s a look at how each one helps.

Credit Information Bureau (India) Limited or CIBIL

CIBIL provides all information related to the active loans on your PAN. You can visit the official CIBIL website and sign up using your PAN Card and basic details. After verification, you can see your credit report. It shows details related to all your active loans, closed loans, payment history, and your CIBIL score. Any unknown loan linked to your PAN will appear here.

Experian

Experian allows you to check your credit report online for free once a year. You need to register on the website using your PAN Card and mobile number. The report clearly lists all loans, lenders, loan amounts, and repayment status.

Equifax

The credit bureau provides detailed credit reports with information about active loans and credit cards. Many partner platforms and financial apps allow you to access their data. Information related to the loans linked to your PAN is visible when you enter your PAN details.

CRIF High Mark

CRIF High Mark offers credit reports mainly through banks and loan apps. After PAN verification, you can view your loan accounts, outstanding amounts, and repayment records.

By checking these reports regularly, you can track loans, avoid fraud, and protect your credit score.

Benefits of monitoring loan activity by PAN

There are many benefits of monitoring loan activity by PAN. These include:

Prevents fraud: Regular checks help you find fake or unauthorized loans taken using your PAN Card.
Protects credit score: Early detection of missed payments or unknown loans helps keep your credit score safe.
Better financial control: You can clearly see how many loans you have and how much you owe.
Avoids legal trouble: Unknown loans can cause legal issues if ignored. Monitoring helps you act on time.
Helps in loan approval: Clean and updated records improve your chances of getting new loans.
Peace of mind: Knowing your loan status keeps you stress-free and confident about your finances.

Why should you regularly check loans on your PAN Card?

Regularly checking loans linked to your PAN Card is crucial for your financial safety. Your PAN Card is used when you take loans or credit cards. Sometimes, loans can be taken in your name without your knowledge due to fraud or misuse of your PAN details. By checking your loan records, you can quickly find any unknown or fake loans.

Checking loans also helps you understand your current financial position. You can see how many loans you have, how much you owe, and whether payments are being made on time. This is useful for better money planning and avoiding unnecessary debt.

Regular checks help protect your credit score. If a loan linked to your PAN is not repaid on time, your credit score can fall, even if the loan is not yours. Early detection allows you to take quick action.

How to address errors or fraudulent loans on your PAN Card?

If you find an error or a fraudulent loan linked to your PAN Card, take action immediately. Carefully go through the credit report to identify and confirm the details of the incorrect loan. Once you notice a mistake or a loan you did not take, contact the bank or financial institution that issued the loan. Let them know that you didn’t take the loan and ask for written confirmation.

You must also inform the credit bureau about the incorrect loan linked to your PAN. You can do this online by submitting proof of identity and explaining the issue. It is also important to file a complaint on the official cybercrime portal if fraud is involved. Through this step, you can be assured of legal protection.

Make sure you keep records of all emails, complaints, and reference numbers. Continue checking your credit report until the issue is resolved. If you act quickly, you can protect your credit score and prevent future financial problems.

The bottom line

Checking your loan occasionally is a good practice. And by using any of the above mentioned methods, you can check active loan status using a PAN card and keep yourself safe from potential fraud.

But don’t let this scare you from getting a loan if you are in need of urgent funds. To get a personal loan, you can apply with Tata Capital. We offer personal loans at competitive interest rates with minimal documentation.

Moreover, our system lets you easily track your loan application using your mobile number or PAN card. Here’s what you need to do:

Step 1: Visit our website.

Step 2: Select ‘Personal loan’ under the ‘Explore our Products’ section.

Step 3: Click on ‘Track my Application.’

Step 4: Insert your mobile or PAN numbers to track the personal loan application status.

Step 5: Click on the ‘Submit’ button.

And that’s how you can easily track your loan application status using a PAN card.

Track Application using PAN Card

FAQs

How to check how many loans I have?

You can check your credit report from credit bureaus, check your account with the fintech application, or contact your lender directly to view all active and closed loans linked to your PAN card.

How to check how many loans are on my PAN Card?

You can check all loans linked to your PAN by downloading your credit report from CIBIL, Experian, Equifax, or CRIF. These reports show active and closed loans under your PAN.

Can someone take a loan using my PAN Card without my knowledge?

Yes, if your PAN details are misused, fraudsters can take loans in your name. This is why checking your credit report regularly is important to spot such issues early.

Which app or website is best to check all my loan details by PAN number?

The official websites of CIBIL and other credit bureaus are commonly used to check all your loan details by PAN number. Trusted fintech apps can also help. They collect loan details from all credit bureaus using your PAN.

How to check all my loan details with a PAN card?

Visit your lender's website or mobile banking app or credit bureau platforms, enter your PAN card details to access a detailed report of your loan accounts and status.

How can I track my loan through my PAN card?

Log in to your lender's portal or credit bureau websites, log in using your credentials, and retrieve the status and details of your loan.

How will I know if someone used my PAN card to obtain a loan?

It is important to monitor your credit report regularly for unauthorized loans. Any unfamiliar loans in the report could indicate fraudulent use of your PAN card.

Does applying for a new PAN card affect your CIBIL score?

Applying for a new or duplicate PAN card does not affect your CIBIL score. Credit history remains tied to your original PAN.

What should I do if I detect a fake or unauthorized loan under my name?

If you detect a fake or unauthorized loan under your name, contact the lender immediately. Make sure to raise a dispute with the credit bureau and file a complaint on the cybercrime portal. Keep all records until the issue is resolved.

Is checking loans on my PAN Card free?

Yes, credit bureaus allow you to check your credit report for free at least once a year. Many apps also offer free PAN-based loan checks.

Does checking my PAN-linked loans affect my CIBIL score?

No, checking your own credit report is a soft inquiry. It does not affect your CIBIL score or create any negative impact.

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