How to Check All Active Loans on Your PAN Card in 2025: Complete Guide to Stay Safe from Fraud
In today’s world of instant loan approvals, your PAN card has become one of the most important documents for loan verification. While quick digital lending is convenient, it also opens doors to potential misuse. This is why checking all the active loans linked to your PAN card is more important than ever.
If you regularly monitor your credit report, you can easily detect unknown loans, avoid fraud, and maintain your financial health. Here’s a complete guide on how to check active loans on your PAN card using CIBIL, Experian, Equifax, CRIF High Mark, and direct lender platforms.
Why Should You Check Active Loans Linked to Your PAN Card?
Keeping an eye on your PAN-linked loans protects you from both financial loss and identity theft.
Key reasons to check your loan status regularly:
- ✔️ Detect fraudulent loans taken using your PAN
- ✔️ Maintain a good credit score by tracking all ongoing loans
- ✔️ Avoid repayment irregularities or missed EMIs
- ✔️ Keep your debt-to-income ratio healthy
- ✔️ Ensure tax compliance and avoid legal complications
- ✔️ Spot errors or outdated information in your credit report
Different Ways to Check Active Loans on Your PAN Card
You can check all loans linked to your PAN through India’s official credit bureaus and lenders’ platforms. Below are the simplest and safest methods.
1. Check Active Loans on PAN Using CIBIL
CIBIL (TransUnion CIBIL) is India’s most widely used credit bureau. Your CIBIL report includes your:
• Loans
• Credit card usage
• Repayment history
• Credit score
• Hard inquiries
How to Check Your Loan Details on CIBIL:
- Visit the official CIBIL portal
- Click “Get Free CIBIL Score & Report”
- Enter your Name, DOB, PAN number, email, and mobile
- Enter the OTP sent to your mobile/email
- Access your dashboard
- Download your free monthly report
Your CIBIL dashboard clearly shows all active and closed loans, EMI history, and score trends.
2. Check Active Loans on PAN Using Experian
Experian is another RBI-licensed credit bureau used by banks and NBFCs.
Steps to Check Experian Loan Details:
- Visit the Experian India website
- Click “Get Your Credit Report”
- Enter your mobile number → submit OTP
- Fill in your details including PAN
- Agree to the declaration
- Click “Get Report”
Your report will show all credit accounts, outstanding amounts, delayed payments, and score.
3. Check Active Loans Using Equifax
Equifax offers one free credit report every 12 months.
Check Loan Details with Equifax:
- Go to the Equifax website
- Register or log in
- Enter personal details including PAN
- Request a credit report
It displays loan type, outstanding balance, EMI history, and active/closed status.
4. Check Active Loans Using CRIF High Mark
CRIF High Mark offers both free and paid reports.
Steps:
- Visit the CRIF High Mark website
- Enter Name, Mobile, Email, Address
- Provide ID proof (PAN/Voter ID/Passport/DL/Ration Card)
- Select report type
- Answer authentication questions
- Receive your report via email and dashboard
5. How to Check Active Loans Directly With the Lender
You can also verify loan details directly with your lender.
Methods:
- Net Banking / Mobile App
- Lender’s Website via PAN login
- Customer care (PAN verification required)
- Loan statements
Signs Your PAN Might Be Misused
- Unknown loan inquiries
- Sudden drop in credit score
- Calls/messages for loans you never took
- EMI reminders for unknown loans
How to Prevent PAN Card Misuse
- ✔️ Never upload PAN on unknown sites
- ✔️ Avoid sharing PAN via WhatsApp or email
- ✔️ Always download reports from official websites
- ✔️ Check your credit score every 30–60 days
- ✔️ File disputes on CIBIL/Experian if needed
- ✔️ Report fraud through the Cyber Crime portal
Conclusion
Your PAN card is directly connected to your financial identity, and any misuse can be dangerous. With rising digital loan frauds in India, it’s essential to regularly check all active loans linked to your PAN card.
Use trusted platforms like CIBIL, Experian, Equifax, CRIF High Mark, and official lender portals to stay safe. If you notice any suspicious loan, dispute it immediately and report the issue to authorities. Staying aware is your best defence.