You must be wondering if there are any ways to check all loan details by PAN number. It is important to keep yourself updated about the active loans linked to your PAN card. It is essential to monitor your credit health and also trace the occurrence of any fraudulent activities using your PAN card. Let us now understand how to check my all loan details by PAN number. 

Method to Verify Loans on PAN Card

To avoid fraudulent loans in your name and also to safeguard your credentials, you should check the active loans on your PAN card regularly. You can do this by verifying your credit report periodically. The credit report will allow you to check your credit score and also the status of your loans and credit cards. 

How to Check Your Credit Report with the 4 Credit Bureaus 

Check your CIBILTM Score 

Step 1: Go to the official website of CIBILTM

Step 2: Now, click on “Get free CIBILTM score and Report”

Step 3: If you are a new user, create a new account by entering your personal details like your Email Address, Name, identity proof (PAN card and PAN card number), date of birth, Pincode, Mobile Number. Click Accept and Continue. 

Step 4: On the ensuing screen, “input the OTP received on your mobile number and email address” for authentication. 

Step 5:  The page will be forwarded to the “main dashboard of your CIBIL” account. 

Step 6:  You will find your CIBILTM score on your dashboard along with details concerning your employment, account, and more. CIBILTM also enables you to evaluate your score and download a free credit report. 

Check your Experian Score 

Step 1: On the Experian website, click on ‘Get Your Credit Report” 

Step 2: Furnish your mobile number on the subsequent page and input the OTP received. 

Step 3: On the subsequent screen, input the details linked to your loan or credit card account. The details include name, email address, date of birth, PAN card number, PIN code, and address. 

Step 4: Now, tick ‘agree to the terms and conditions of Experian’ and press “Get Report”

Step 5: The report presents an informative peek through into all your loan details and the factors that impact your credit score. 

You can also raise a dispute with CIBILTM or Experian if there is a discrepancy in the credit report. 

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

Equifax is one of the 4 credit bureaus in India that provides a credit score and credit report based on your credit history. You are given one free report each year. 

Here are tips to access your credit report through Equifax

Step 1: Go to the Equifax website

Step 2: If you are an unregistered user, generate an account. Else, if you are an existing user, log in with your credentials. 

Step 3: Furnish personal details such as your name, date of birth, address, and PAN card number.  

Step 4: Give a request for a credit report that puts your credit history including your loans and credit cards in a nutshell. 

Step 5: Information in the credit report will consist of details about your loans including the status, balance due, payment history, and other pertaining details.

Note: Equifax gives credit reports based on your credit history. So, the loans may not be connected directly to your PAN card. The loans may be based on your name, address, or other personal information which you furnish to banks and other lenders. 

Besides Equifax itself, you can do a free credit score check and download a free credit report on CreditMantri. CreditMantri furnishes a credit score powered by Equifax. You can also subscribe to our CreditFit and Credit Improvement Services to get expert tips to improve your credit score in case it is low. So, what are you waiting for? Open the CreditMantri website and make your way towards credit health with simplicity and ease. 

Steps to Verify Active Loans on PAN Card with CRIF High Mark

CRIF High Mark does not have a direct method to check active loans using your PAN card.  However, you can check the status of loans by verifying your credit report from CRIF High Mark. It will list all your existing and past loans along with their details like amounts due, credit limits, and repayment history. 

Step 1:  Go to the CRIF High Mark website. 

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

Step 3: Furnish one ID proof out of either the PAN, ration card, passport, voter’s ID, or driving license. 

Step 4: Next, choose the type of report from the three options shown - Free credit report, paid report (Through subscription plans), and paid report (without a score). 

Step 5: On the subsequent page, you have to verify your identity through 3 questions related to your credit history. You just have to answer one question correctly and you will receive your credit report through your registered email ID and the account’s dashboard.

How to Check My All Loan Details Through Other Methods 

  1. Using Mobile Apps: You can download the mobile app of the lender and register yourself on the platform. Then, you can log in to the app using your credentials and check all the loan details. 

  2. Using Netbanking: You can log in to your netbanking account using your credentials. If you are not an existing user, you have to generate a new netbanking account. 

  3. Verify the Lender’s Website: Some lenders do not require you to log into netbanking or mobile banking apps. You can directly go to the lender’s website and check the number of active loans. However, you may have to register or generate an account with your PAN card or other details. 

  4.  By Getting in Touch With the Lender Directly: You can directly contact lenders by calling or emailing them. You can then ask them about your all loan details. You will be required to furnish your PAN card number, name, or loan account number for verification purposes. 

  5. You can Check Your Loan Statement: Your loan statement will contain information about your current loan balance, interest rate, payment due date etc. So, you can understand whether the loan is active or not by checking the loans on your loan statement. 

Conclusion

You must review your active loan accounts to protect yourself from financial fraud and also to maintain good credit health. Each of the methods mentioned above provides a safe way in knowing your all loan details by PAN number. By checking loan details on PAN card, you also ensure accurate records and gain further insights into your financial health, empowering you to make better financial decisions. 

FAQs on How to Check all Loan Details

1. How to Check my all Loan Details by Pan Number?

You can check all your loan details using your PAN number through the CIBIL website. CIBIL, now known as TransUnion CIBIL, provides a free credit report once a year that includes details of all loans associated with your PAN, including their status, repayment history, and other relevant information.

2. How to find out if someone has used your PAN to apply for a fraudulent loan?

When you verify your credit report, you will come to know if someone has applied for a loan using the PAN card. This is one of the important reasons for checking your credit score and credit report regularly. 

3. How to Check Active Loan on my Name Online?

To check active loans in your name online, you can follow these steps:

  • Access credit information bureaus like CIBIL, Experian, or Equifax.

  • Login or register to access your account.

  • Request your credit report.

  • Review the section listing active loans.

  • Verify details such as lender name, outstanding amount, and status (active or closed).

  • Monitor your credit report regularly for updates and accuracy.

4. How can I check my PAN card credit history?

You cannot directly check your PAN card credit history. PAN is primarily used for income tax purposes and financial transactions. Credit histories are maintained by credit bureaus like CIBIL, Experian, Equifax, and CRIF High Mark, which track your credit behavior based on loans and credit cards linked to your PAN. To check your credit history, you can request a credit report from any of these bureaus online.

5. What are the steps to be taken if one finds discrepancies in the loan details on my PAN Card? 

If you find any unauthorized loans or any inaccurate information on your credit report, contact any one of the credit bureaus and the lender immediately to correct the inaccuracies.