How to Check Active Loans Linked to Your PAN Card - A 2026 Guide

You can check if there’s an active loan linked to your name by reviewing your credit report across all credit bureaus (TransUnion CIBIL, Equifax, Experian and CRIF High Mark) using your PAN details. You can visit each of the bureau websites to pull your credit report. For greater convenience, visit Paisabazaar website or use its mobile app to download credit reports from all bureaus at one place.

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4.5_/5

15.6L Reviews

5.7Cr+Satisfied Customers

4Bureau Coverage

800+Cities across India

Why Check Credit Score on Paisabazaar ?

Check Credit Score from All 4 Bureaus

Track Credit Score Seamlessly Every Month

Read Credit Report in Multiple Languages

How are your loans and PAN linked?

Your Permanent Account Number (PAN) is a 10-digit unique identifier that is linked with all of your financial activities. Here’s how it works:

Loan Application: When you apply for a loan, lenders require you to furnish your PAN details as part of the KYC process. This is done to verify your identity and track your credit history.
Credit Data Reporting: Once the loan is approved, the lender reports your loan details to credit bureaus using your PAN.
Credit Report Generation: Bureaus use your PAN to get information about all your financial accounts.
Ongoing Updates: Your repayments, missed EMIs, or loan closures are regularly updated against your PAN-linked profile.

Note: PAN has no direct impact on your credit score but it enables the system that calculates your credit score.

Why Should You Check Loans Linked to Your PAN?

Monitoring loans linked to your PAN is imperative for the following reasons:

Early detection of identity theft and fraud - Monitoring your loans might uncover a loan you didn’t apply for. Early detection would also help you take a quick action to minimise the damage.
Identify paid off loan accounts to ensure data accuracy - Errors in credit history such as mismatch in loan status can hurt your credit score, which further may hamper your chances of availing loans and credit cards in future.
Stay abreast with your outstanding dues - Staying aware of your financial liabilities helps you avoid surprises, manage debts more effectively and avoid late fees and penalties.

Steps to Check Active Loans on Your PAN Card

Any active loans linked to your PAN card are automatically reflected in your credit report. You can access your credit report from different bureau easily through Paisabazaar.

Follow these steps to check your credit report through Paisabazaar:

Visit Paisabazaar app or website.
Click on ‘Credit score’ option
Below the score meter, select ‘Download Report’.
Choose the credit bureau whose report you want to view
Select month and preferred language, then click on ‘Download report’
Go to the loan details section on your report to find active loans linked to your PAN card.

How to check if Someone has taken a Loan using your PAN card?

The most reliable way to check if someone has taken a loan using your PAN card is to check your credit report. Because any credit activity such as loan, credit card and line of credit, whether authorized by you or not, is linked to your PAN card. If you identify unknown loans in your credit report then it could be possible that someone has taken a loan using your details. In such cases, it is important to raise a dispute immediately with the credit bureau and Lender.

How to Verify Active Loans Linked to PAN with Lender Directly

You can also check on active loans by contacting the financial institutions you’ve applied to for loans. Some ways are as follows:

Net Banking / Mobile Banking : You can easily track the status of your active loans by logging into the respective lender’s net banking portal or mobile application.
Visit the Branch: Visit the closest branch of your bank or financial institution personally to check your active loan status.
Call the lender’s customer service: You can also call the lender’s customer service department to know the active loan accounts.

How to Check CIBIL Score for Free with Paisabazaar?

Step 1: Enter your mobile number

Step 2: Verify your number using the OTP

Step 3: Enter your PAN and basic details

Step 4: View your free credit score and get detailed credit report

How to Check CIBIL Score for Free with Paisabazaar?

Step 1: Enter your mobile number

Step 2: Verify your number using the OTP

Step 3: Enter your PAN and basic details

Step 4: View your free credit score and get detailed credit report

FAQs

What to do if you spot a wrong loan entry in your credit report?

If you notice an incorrect loan entry in your credit report, you can raise a dispute either with the lender or directly through any credit bureau website.

How to check if any loan is taken on my PAN without my knowledge?

Since PAN is linked for almost every financial transaction, you can identify any unauthorized loan by checking your credit report.

Why is it important to track loans linked to PAN?

Tracking loans linked to your PAN helps you maintain financial health and detect any fraudulent or incorrect entries early.

Does checking loans on PAN affect my credit score?

No, checking loans linked to your PAN card does not affect your credit score. Accessing your own credit report is considered a soft enquiry, which does not affect your score.