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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\u2019s identity.<\/p>\n\n\n\n
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.<\/p>\n\n\n\n
Cybercriminals have exploited PAN cards and mobile numbers to fraudulently secure loans<\/a> under unsuspecting victims. As a consequence, victims suffer damage to their CIBIL score as these fraudulent loans go unpaid.<\/p>\n\n\n\n Thus, to safeguard yourself from such incidents, keeping a close check on your active loans<\/a> using your PAN card is essential. In this article, we will explore multiple ways to check an active loan using a PAN card.<\/p>\n\n\n\n So, let\u2019s get started.<\/p>\n\n\n\n Say you want to know about the active loans with your bank account, and you\u2019d 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:<\/p>\n\n\n\n Depending on your convenience, you can use either one of the three:<\/p>\n\n\n\n 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.<\/p>\n\n\n\n CIBIL: CIBIL is one of the prominent credit bureaus in India. Their services are predominantly used to check credit scores<\/a> for availing loans<\/a>.<\/p>\n\n\n\n Equifax: Equifax is another popular credit service agency that provides credit scores and reports.<\/p>\n\n\n\n Experian: Along with credit scores and reports, Experian<\/a> also provides bureau services for its customers.<\/p>\n\n\n\n CRIF high mark: An RBI-approved credit bureau based in India, CRIF high mark<\/a> provides credit reports and microfinance for several industries.<\/p>\n\n\n\n Now that you know the different credit bureaus available in India, let\u2019s see how to check active loans on a PAN card<\/p>\n\n\n\n If you are a registered user at one of these websites, the process is similar to the above-mentioned steps. They are:<\/p>\n\n\n\n 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.<\/p>\n\n\n\n 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:<\/p>\n\n\n\n While the steps may change slightly depending on the app, the general overview here is the same for most of them.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n 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:<\/p>\n\n\n\n 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\u2019re going in-person to the lender.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n 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\u2019s a look at how each one helps.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n By checking these reports regularly, you can track loans, avoid fraud, and protect your credit score.<\/p>\n\n\n\n There are many benefits of monitoring loan activity by PAN. These include:<\/p>\n\n\n\n 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.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n 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\u2019t take the loan and ask for written confirmation.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n But don\u2019t let this scare you from getting a loan if you are in need of urgent funds. To get a personal loan<\/a>, you can apply with Tata Capital<\/a>. We offer personal loans at competitive interest rates<\/a> with minimal documentation.<\/p>\n\n\n\n Moreover, our system lets you easily track your loan application using your mobile number or PAN card. Here\u2019s what you need to do:<\/p>\n\n\n\n Step 1: Visit our website.<\/p>\n\n\n\n Step 2: Select \u2018Personal loan\u2019 under the \u2018Explore our Products\u2019 section.<\/p>\n\n\n\n Step 3: Click on \u2018Track my Application.\u2019<\/p>\n\n\n\n Step 4: Insert your mobile or PAN numbers to track the personal loan application status.<\/p>\n\n\n\n Step 5: Click on the \u2018Submit\u2019 button.<\/p>\n\n\n\n And that\u2019s how you can easily track your loan application status<\/a> using a PAN card.<\/p>\n\n\n\n <\/p>\n\n\n\n <\/p>\n\n\n\nStep-by-step guide: How to check loans on PAN Card<\/strong><\/h2>\n\n\n\n
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How to check active loans on a PAN card using credit bureaus?<\/strong><\/h2>\n\n\n\n
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How to check loan status using fintech apps?<\/strong><\/h2>\n\n\n\n
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Check loans directly with your lender<\/strong><\/h2>\n\n\n\n
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How to check loan status online on PAN Card using credit report: CIBIL, Experian, Equifax, & CRIF<\/strong><\/h2>\n\n\n\n
Credit Information Bureau (India) Limited or CIBIL<\/strong><\/h3>\n\n\n\n
Experian<\/strong><\/h3>\n\n\n\n
Equifax<\/strong><\/h3>\n\n\n\n
CRIF High Mark<\/strong><\/h3>\n\n\n\n
Benefits of monitoring loan activity by PAN<\/strong><\/h2>\n\n\n\n
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Why should you regularly check loans on your PAN Card?<\/strong><\/h2>\n\n\n\n
How to address errors or fraudulent loans on your PAN Card?<\/strong><\/h2>\n\n\n\n
The bottom line<\/strong><\/h2>\n\n\n\n