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Your PAN card is linked to every loan and credit product you take in India, including personal loans, credit cards and BNPL services. Since lenders report all borrowing activity against your PAN, checking loans linked to it regularly can help you track your active credit accounts and spot any suspicious activity.
When we use lending, we see more cases of people misusing our PAN cards and pretending to be us. A lot of people do not even know that someone has taken a loan in their name until their credit score goes down suddenly, or they start getting calls to pay back the loan. This is why it is an idea to check your credit report from time to time to make sure your money is safe.
So if you want to know how to check which loans are linked to your PAN card this guide will tell you everything you need to know about the ways to do it the steps you need to follow and what you should be careful about when checking loans, on your PAN card.
Why Should You Check Loans Linked to Your PAN Card?
Checking active loans linked to your PAN card is important not only for tracking your finances but also for protecting yourself from fraud and credit-related issues.
1. Detect Fraudulent Loans Early
Cyber fraud and identity theft cases have increased significantly with the rise of paperless lending. Fraudsters may misuse stolen PAN details to apply for instant loans without the owner’s knowledge.
By checking your credit report regularly, you can quickly identify suspicious accounts and take corrective action before the issue affects your creditworthiness.
Let’s suppose you apply for a home loan and suddenly discover your credit score has dropped due to unpaid EMIs on a loan you never took. Checking your credit report earlier could have helped identify the fraudulent account sooner.
2. Track Your Overall Debt
Many borrowers today use multiple forms of credit simultaneously — such as personal loans, credit cards, BNPL services and consumer durable loans.
Keeping track of all active loans helps you:
Understand your total liabilities
Plan your monthly budget better
Avoid over-borrowing
Improve debt management
According to TransUnion CIBIL insights, younger borrowers in India increasingly rely on multiple short-term credit products, making regular credit monitoring more important than ever.
3. Maintain a Healthy Credit Score
Your repayment history accounts for a major portion of your credit score calculation. Even a missed EMI on a forgotten loan account can negatively impact your score.
Regularly reviewing your loan accounts helps ensure:
EMIs are being updated correctly
Closed loans are marked as closed
No incorrect defaults are reported
A healthy credit score can improve your chances of getting loans approved at better interest rates.
4. Improve Loan Eligibility
Banks and NBFCs assess your existing debt before approving new loans. If your credit report shows high liabilities or unknown active accounts, your loan eligibility may reduce.
Checking your active loans helps you plan future borrowing more strategically.
For instance: If you are planning to apply for a car loan, knowing your current debt obligations can help you reduce outstanding balances beforehand and improve approval chances.
5. Identify Reporting Errors
Sometimes lenders mistakenly report incorrect information, such as:
Closed loans marked as active
Wrong outstanding amounts
Incorrect payment delays
Such errors can affect your credit score if left unresolved. Monitoring your credit report allows you to raise disputes quickly.
What is PAN Card Fraud or Misuse?
Any instance where your PAN information is used to forge your identity or gain access to financial products or accounts is considered PAN card fraud. These incidents have become more common with the increasing use of PAN for KYC verification across banking and lending services.
Some common ways fraudsters may misuse your PAN card include:
Applying for loans in your name
Opening bank accounts using your PAN details
Renting hotels or vehicles using your identity
Using your PAN card for VISA verification
Attempting unauthorised withdrawals or fund transfers
Fact: PAN card details are frequently targeted in phishing scams where fraudsters impersonate banks, lenders or KYC officials to collect sensitive information.
If such misuse goes unnoticed, it can negatively affect your credit score and financial credibility.
How to Check Active Loans on Your PAN Card
There are multiple ways to check all loans linked to your PAN card. Here are the most reliable methods:
Method 1: Via Credit Bureau Websites (CIBIL, Experian, Equifax, CRIF High Mark)
India has four RBI-authorised credit bureaus that maintain your credit history and loan records. By accessing your credit report, you can view all active loans associated with your PAN.
Steps to Check Active Loans via Credit Bureau Websites
Step 1: Visit the official website of any credit bureau
Step 2: Register using your PAN card details, mobile number, email ID and date of birth
Step 3: Complete OTP verification
Step 4: Log in and access your credit report
Step 5: Review the ‘Accounts’ or ‘Loan Details’ section to check all active loans
If you are already registered, you can simply log in to access your report directly.
For example: If your report shows a personal loan from a lender, you never interacted with, it could indicate identity theft or unauthorised borrowing.
Method 2: Via the Lender’s Net Banking or Mobile App
Most banks and NBFCs allow borrowers to check their loan details through net banking portals or mobile apps.
Steps to Check Loan Status via Lender Apps
Log in to your lender’s mobile app or internet banking account
Navigate to the ‘Loans’ or ‘My Accounts’ section
Select the active loan account
View details such as outstanding amount, EMI schedule, tenure and repayment history
This method is useful if you want to track a specific loan account with a particular lender.
Example: A borrower with both a home loan and personal loan from the same bank can monitor EMI due dates, repayment history and prepayment options through the bank’s app itself.
Method 3: Via Fintech Apps
Several fintech platforms and financial management apps provide access to your credit profile and active loan details after consent-based verification.
Steps to Check Loans Using Fintech Apps
Download a trusted fintech or credit monitoring app
Register using your PAN number and mobile number
Verify your identity via OTP
Access your credit profile dashboard
Review your active loans and credit accounts
These apps often provide additional insights such as:
Credit score tracking
Repayment reminders
Credit utilisation analysis
Personalised financial recommendations
Fact: India’s fintech ecosystem has grown rapidly in recent years, with millions of users relying on digital financial platforms for credit monitoring and loan management.
What Information Can You See in the Credit Report?
Your credit report contains detailed information about your borrowing history and repayment behaviour. Some key details include:
Information Type
Details Available
Active Loans
Personal loans, home loans, auto loans, etc.
Credit Cards
Active credit card accounts and limits
Outstanding Amount
Pending loan balances
EMI Payment History
Timely and delayed payments
Loan Status
Active, closed, written-off or settled
Credit Enquiries
Loan applications made with lenders
Credit Score
Your current creditworthiness rating
Why This Information Matters
Lenders look at this information to see how well you pay back loans and how good you are with money before they say yes to giving you a loan.
For example: If your report shows you asked for a lot of loans in a short period, lenders might think you want to borrow too much money, which could make it harder for you to get a loan in the future.
How to Get a Credit Report
Your credit report has all the information about your loans, credit cards. How well you pay them back and it is all linked to your PAN card. Here is how you can get a copy of it:
Step 1: Go to the CIBIL website
Step 2: Click on the option that says ‘Get Free CIBIL Score & Report’
Step 3: Put in your PAN number, mobile number, email address and other personal details
Step 4: Confirm your details with a special code
Step 5: Choose the free option and look at your report from the dashboard
You can get one free credit report every year from each credit bureau that is allowed to give them out. If you see something fishy going on with your loans or someone using your money without asking tell someone away so it does not happen again.
It is really important to have a credit score so you can get loans easily and pay less interest. You can also use the Fibe Credit Score Analyser tool to see what is affecting your score and what you can do to make it better.
If you need money now but you do not have a good credit history you can apply for the Fibe Instant Cash Loan and get up to ₹10 lakhs depending on if you are eligible. With payment plans and no extra charges, for paying back early paying your loans on time can also help make your credit profile stronger.
What to Do If You Find a Fraudulent Loan on Your PAN?
If you discover a loan that you did not apply for, take immediate action to minimise financial damage.
1. Raise a Dispute with the Credit Bureau
File a dispute with CIBIL, Experian, Equifax or CRIF High Mark and report the unauthorised account.
2. Contact the Lender Immediately
Inform the lender or NBFC about the fraudulent loan and request an investigation.
3. File a Police Complaint
Register an FIR or cybercrime complaint with supporting documents and evidence.
4. Report the Incident on the Cybercrime Portal
You can report financial fraud online at the National Cyber Crime Reporting Portal.
5. Monitor Your Credit Report Regularly
Continue checking your credit report to ensure the fraudulent account is removed and no further misuse occurs.
For example: If a fraudulent instant loan app has issued a loan using your PAN details, reporting it quickly can prevent EMI defaults from affecting your credit score for years.
How to Prevent PAN Card Misuse
Protecting your PAN details is essential to avoid identity theft and financial fraud. Here are some useful precautions:
Never share your PAN card details unnecessarily
Avoid uploading PAN copies on unsecured websites
Mask sensitive information when sharing PAN photocopies
Check your credit report regularly
Use trusted apps and lenders only
Avoid clicking on suspicious links or phishing emails
Keep your Aadhaar, bank and PAN-linked mobile number secure
Report lost or stolen documents immediately
Pro Tip:
When sharing a PAN copy for verification, mention the purpose on the photocopy, such as ‘For KYC Only’, to reduce misuse risks.
Being proactive can help protect your financial identity and maintain a healthy credit profile.
FAQs on Checking Loan Status Using a PAN Card
Can I get loan details using a PAN card?
Yes. Your PAN card is linked to your credit report, which contains details of all loans taken in your name. You can access this information through CIBIL, Experian, Equifax or CRIF High Mark.
Can I check the number of active loans on my PAN?
Yes. Your credit report displays all active loans linked to your PAN number, including lender details, outstanding balance and repayment status.
How do I check active loans in my name for free?
You can access one free credit report annually from each authorised credit bureau by registering with your PAN card details on their official websites.
How do I check fraudulent loans in my name?
Download your credit report and review the active loan accounts section carefully. If you notice any unfamiliar loan, raise a dispute with the bureau, contact the lender and file a police complaint immediately.
How can I 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 High Mark. The report lists all active and closed loan accounts.
Can someone take a loan using my PAN card without my knowledge?
Yes, if fraudsters gain access to your PAN details and supporting documents, they may attempt identity theft or fraudulent loan applications. Regularly monitoring your credit report can help detect such activity early.
What is the difference between checking loan status on CIBIL vs directly with the lender?
Checking through CIBIL or other credit bureaus provides a consolidated view of all loans linked to your PAN across multiple lenders. Checking directly with a lender only shows the loans you have with that specific bank or NBFC.
