how to check active loan on pan card Archives - DayToDayLoan https://www.daytodayloan.com/blogs/tag/how-to-check-active-loan-on-pan-card/ Everything About Personal Loans Tue, 25 Nov 2025 11:42:35 +0000 en-US hourly 1 https://wordpress.org/?v=6.9.4 https://www.daytodayloan.com/blogs/wp-content/uploads/2025/07/cropped-d2d-Logo-222-32x32.png how to check active loan on pan card Archives - DayToDayLoan https://www.daytodayloan.com/blogs/tag/how-to-check-active-loan-on-pan-card/ 32 32 How to Find a UAN Number Using PAN Number? https://www.daytodayloan.com/blogs/how-to-find-a-uan-number-using-pan-number/ https://www.daytodayloan.com/blogs/how-to-find-a-uan-number-using-pan-number/#respond Fri, 21 Nov 2025 11:50:20 +0000 https://www.daytodayloan.com/blogs/?p=954 The Universal Account Number (UAN) has unquestionably become a crucial part of the financial identity of every salaried employee. Introduced by the EPFO (Employees’ Provident Fund Organization), the UAN brings every PF account integrated into one system, enabling seamless tracking, transfers, withdrawals, and updates. Several individuals are yet to discover that only in their careers […]

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The Universal Account Number (UAN) has unquestionably become a crucial part of the financial identity of every salaried employee. Introduced by the EPFO (Employees’ Provident Fund Organization), the UAN brings every PF account integrated into one system, enabling seamless tracking, transfers, withdrawals, and updates.

Several individuals are yet to discover that only in their careers that they don’t remember their UAN. Either they have mismatched the same or never received the same from their employer. In such scenarios, exploring diverse ways to retrieve or recover the UAN number becomes mandatory. Using your PAN number is one of the most practical things to do. This is specifically when your Aadhaar is not accessible or your registered contact number has changed.

Are you wondering, “How to get a UAN number if I have forgotten it?” Fret not! We will delve into everything you need to know through this comprehensive blog.

Understanding What a UAN Is and Why You Need It

Comprehending the significance of UAN proves beneficial for you every step of the way. A unique 12-digit number,  each member of the EPF is allotted a UAN. And this number does not change throughout their working life. Even if you change jobs too often, a UAN remains the same. However, it gets linked to the same UAN, streamlining transfers and withdrawals.

When you have a UAN, it makes it easier for you to:

  • Check your PF balance anytime
  • Track employer contributions 
  • Withdraw PF online
  • Transfer PF when switching jobs
  • Update KYC details
  • Access passbooks and statements

Owing to its significance, forgetting or losing your UAN can cause a disruption to these vital services. But the good thing is that EPFO lets you retrieve your UAN using your Aadhaar, PAN, or member ID.

Can I Know My UAN Number Using a PAN Number?

Absolutely! You can use your PAN to find or recover your UAN if it is linked to your EPF account.

The EPFO’s online “Know Your UAN” facility makes it simple for you to retrieve your UAN. All you need to do is enter basic details, including your PAN, date of birth, and mobile number.

This is specifically helpful if:

  • Your Aadhaar number is not updated
  • You don’t use your registered mobile number anymore
  • You forgot your PF member ID
  • You have worked with numerous employers

Using PAN is one of the most effective and fastest ways to retrieve a forgotten UAN, given that your PAN details are accurately mapped with your EPF records.

Also Read this Blog: How can I track my loan online

A Step-by-Step Guide on How to Find a UAN Number Using PAN Number 

Listed below is the comprehensive, simple process to find a UAN number using PAN number through the EPFO portal.

Step 1: Visit the EPFO Unified Member Portal

Visit the official EPFO website for members only. The portal is https://unifiedportal-mem.epfindia.gov.in/

This portal offers various facilities, such as UAN activation, UAN retrieval, and PF passbook viewing.

Step 2: Click on “Know Your UAN”

On the login screen, there is a sign-in button. Below this button, you will find the “Know Your UAN” option.

This tool is specifically designed to assist employees who have either misplaced or forgotten their UAN.

Step 3: Enter Your Mobile Number

Type in your mobile number that you are willing to use for verification purposes. This does not signify that it has to be the number that is linked to your previous PF accounts, as long as you are able to receive OTPs on the same number.

Click on the “Request OTP” button.

Step 4: Enter the OTP Sent to Your Mobile Number

Once you receive the OTP, enter the same and proceed to the next step.

Step 5: Select PAN as the Type of Document

Now, you will be required to provide your identity details. Here, you need to choose PAN from the dropdown menu.

Step 6: Enter Your PAN and Personal Details

Ensure you provide the details mentioned below:

  • Date of birth
  • PAN number
  • Full name (as per EPFO records)

Ensure your name and date of birth match the details accurately with the ones used in your PF account. Or else, the system may not retrieve your details.

Step 7: Submit the Form

Submit the form after you have entered the information. The portal will search its database for a UAN linked with the provided PAN.

Step 8: Receive Your UAN

Your UAN number will either be sent to your mobile number via SMS or displayed on the screen, given that your details match. Needless to say, this has to be the easiest way to find a UAN number using PAN number.

What if the Portal Cannot Find Your UAN Number Through PAN Number?

The system, at times, may not display your UAN because of one of the following reasons:

  • You had the wrong PAN details in your EPF profile
  • Your PAN was not updated in your EPF records
  • Your PAN was not verified by the employer 
  • There is a discrepancy in your name, spelling, or date of birth

The steps listed below may help you:

  • Reach Out to Your HR or Employer

With access to your PF records, employers can provide the UAN directly.

  • Use the Aadhaar-based Search

Is your Aadhaar number linked to your PF? If it is, you can try to recover the UAN with your Aadhaar rather than using the PAN number.

  • Use the PF Member ID

Moreover, you can retrieve or recover your UAN by typing in your PF member ID. It is usually stated in your salary slips.

  • Report an Issue

With the help of the EPFO online grievance portal, you can rectify KYC discrepancies and recover your UAN number.

How Can You Get a UAN Number if You Have Never Activated It Before?

If you have landed a new job and this is your first PF account, your UAN is usually generated by your employer. However, in some situations, the employer may ask you to generate the number, or you may want to check it on your own.

To know how to get a UAN number for the first time, here’s what you must do:

  1. Ask the HR Department: Your HR can check the employer portal.
  2. Visit the EPFO Portal: Visit the EPFO portal for the “Know Your UAN” option.
  3. Activate the UAN Number: Once you have retrieved the UAN number, the next step is to activate the same. Ensure you use the “Activate UAN” feature while doing so.

After UAN activation, you can create a password on your own and log in anytime so you can check various details. These include the PF balance, downloading passbooks, and managing your details.

Why Using PAN to Retrieve Your UAN Number is Beneficial

To retrieve UAN, using your PAN number is highly effective because of the following reasons:

  • PAN plays a crucial role in numerous KYC processes
  • Most employers link PAN at the time when PF is getting registered
  • PAN never changes. It remains the same throughout your life
  • It minimizes dependence on Aadhaar-based OTPs

The fact remains indisputable that PAN becomes the most reliable tool to regain access to the PF profile for all those employees whose Aadhaar is not updated or who have changed their mobile number.

Concluding Remarks

Your UAN is a significant part of your employment history, and not to mention, financial planning. When you lose the number, it might feel challenging at first. However, EPFO has made the retrieval process seamless, easy, and user-friendly. Whether you want to find a UAN number using PAN number, simply check your PF balance, or know your UAN for the first time, the online system offers you numerous practical solutions.

If you ever ask yourself, “Can I know my UAN number using PAN number?” Absolutely! All you need to do is follow the steps on the EPFO portal and verify your details. You will retrieve your UAN within minutes. Need we say more?

Disclaimer

The information provided in this blog, “How to Find a UAN Number Using PAN Number?”, is for general guidance and educational purposes only. EPFO rules, procedures, and portal features may change over time. Readers are advised to verify all details through the official EPFO website or consult their employer/HR for accurate and updated information. The author is not responsible for any errors, omissions, or actions taken based on this content.

FAQs 

1. How can I find my UAN using my PAN?

Ans. Go to the EPFO portal → “Know Your UAN” → verify mobile OTP → choose PAN → enter details → get UAN.

2. Can I get my UAN if my old mobile number is inactive?

Ans. Yes, You can use any active mobile number to receive the OTP and retrieve your UAN.

3. Why is my UAN not showing when using PAN?

Ans. Your PAN may not be updated, verified, or may have name/DOB mismatches in EPF records.

4. Can I find my UAN using PAN if my PAN isn’t linked to PF?

Ans. No, PAN must be correctly linked to your EPF account to retrieve UAN via PAN.

5. How do I get my UAN if it hasn’t been activated?

Ans. Use “Know Your UAN” on the EPFO portal or ask HR. Then activate it using the “Activate UAN” option.

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How to Check Active Loan on PAN Card for Free? https://www.daytodayloan.com/blogs/how-to-check-active-loan-on-pan-card-for-free/ https://www.daytodayloan.com/blogs/how-to-check-active-loan-on-pan-card-for-free/#respond Sat, 30 Aug 2025 10:57:39 +0000 https://www.daytodayloan.com/blogs/?p=875 Managing your financial health involves keeping track of your loans, especially active ones, to ensure there are no discrepancies. If you’re wondering how to check active loans on your PAN card for free, you’re in the right place. A Permanent Account Number (PAN) card is a vital document in India, not just for tax purposes, […]

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Managing your financial health involves keeping track of your loans, especially active ones, to ensure there are no discrepancies. If you’re wondering how to check active loans on your PAN card for free, you’re in the right place.

A Permanent Account Number (PAN) card is a vital document in India, not just for tax purposes, but also for monitoring and verifying your financial activities, including loans. By linking your loans to your PAN card, financial institutions track your credit activities. Understanding how to check active loans on your PAN card will help you stay on top of your financial obligations and avoid surprises.

How to Check Active Loan on PAN Card for Free?

Now that you understand why it’s important to check your active loans, let’s go through the steps to check active loans linked to your PAN card for free online.

Method 1: Check Your Credit Report

One of the most straightforward and reliable methods to find active loans linked to your PAN card is by obtaining your credit report.

Steps to Check Your Credit Report:

  1. Visit Credit Information Companies (CIC) Websites
    In India, there are four major Credit Information Companies:

    • CIBIL

    • Equifax

    • Experian

    • CRIF High Mark

    All of these companies provide free credit reports once a year.

  2. Create an Account
    You will need to create an account on the CIC’s website by providing basic details like your name, PAN number, and date of birth.

  3. Verify Your Identity
    CICs may ask you to answer security questions based on your financial history to verify your identity.

  4. Download Your Credit Report
    Once verified, you can download your credit report. The report will list all the loans associated with your PAN card, including active loans.

  5. Check for Active Loans
    Look for the section that shows “loan accounts” or “credit facilities”. This will include details of all your loans, whether active or closed.


Method 2: Use the “Loan Against PAN” Service

Certain financial institutions offer a specialized service that allows you to check all the loans linked to your PAN card. Here’s how you can use it:

Steps to Use the Loan Against PAN Service:

  1. Visit a Bank’s Official Website
    Several banks in India offer loan management services, where you can check loans against your PAN card. Visit your bank’s official website, such as SBI, HDFC, ICICI, etc.

  2. Log in to Your Account
    If you are an existing customer, log in to your account using your bank credentials. If not, you may need to register.

  3. Search for Loan Details
    Look for the “Loan Details” or “Loans Linked to PAN” option in your dashboard.

  4. Request Loan Report
    After entering the required information, you can request a report that lists your active loans.


Method 3: Use the Government’s e-KYC and Loan Services

In India, the government provides e-KYC services that help individuals access loan details linked to their PAN card. You can check your active loans through the e-KYC portal or National Consumer Helpline.

Steps to Check via Government Services:

  1. Visit the e-KYC Portal
    Access the e-KYC Portal (www.ekyc.in) for updates on loans linked to your PAN.

  2. Enter PAN Card Information
    Provide your PAN card details and verify your identity using OTP-based authentication.

  3. Review Loan Information
    The portal will display information related to active loans registered under your PAN number.


Method 4: Contact Your Lender Directly

If you prefer direct verification, you can contact your lender or financial institution to inquire about the loans linked to your PAN card. This is particularly useful if you suspect discrepancies or want detailed information about a specific loan.

Steps to Check via Lender:

  1. Call or Visit the Branch
    Visit your lender’s branch or call their customer service number to request information regarding your active loans.

  2. Provide PAN and Other Details
    You will be required to verify your identity with your PAN card and other personal details.

  3. Request Loan Statement
    Ask for an updated loan statement that shows all active loans linked to your PAN.

Benefits of Checking Active Loans on PAN Card

  1. Stay Financially Organized: Regular checks ensure you know your financial obligations and can plan your future investments or loans accordingly.
  2. Avoid Missed Payments: By checking loan statuses, you ensure you don’t miss any repayments and avoid late payment penalties.
  3. Protect Your Credit Score: A good credit score is essential for future loans. By staying updated on your active loans, you can ensure that no loans are left unpaid.
  4. Financial Fraud Protection: By regularly checking your loans, you can spot any unauthorized loans linked to your PAN card, protecting you from fraud.

Conclusion

Knowing how to check active loans linked to your PAN card is a crucial step in maintaining good financial health. By using the methods mentioned in this guide, such as checking your credit report online or using government services, you can stay informed about all active loans and ensure your financial records are accurate. Regular monitoring helps protect against fraud, track loan repayments, and manage your credit score effectively.

FAQs on Checking Active Loans on PAN Card

1. Is it free to check active loans linked to PAN card?

Yes, you can check your credit report for free once a year via credit bureaus like CIBIL, Equifax, and Experian.

2. Can I track all my loans with my PAN card?

Yes, all loans linked to your PAN card should appear in your credit report.

3. How can I find out if there are any loans under my name without my knowledge?

Checking your credit report regularly will help you detect any fraudulent loans linked to your PAN.

4. Are there any online tools to track loans linked to PAN?

Yes, you can use services like loan against PAN or visit the websites of credit information companies (CICs) to track your loans.

Disclaimer

This blog is for information and educational purposes only. Loan checks should be done with caution, and it is advisable to consult a financial advisor before making decisions regarding loans. Always use legitimate channels to access sensitive financial data, such as your PAN card.

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How to Check Active Loan on PAN Card: 2025 Guide https://www.daytodayloan.com/blogs/how-to-check-active-loan-on-pan-card-2025-guide/ https://www.daytodayloan.com/blogs/how-to-check-active-loan-on-pan-card-2025-guide/#respond Mon, 23 Jun 2025 10:05:45 +0000 https://www.daytodayloan.com/blogs/?p=734 Keeping track of your active loans is important for managing your finances and maintaining a healthy credit score. If you are unsure about your current loan status, you can easily check all loans linked to your name using your PAN card. This guide will help you understand how to check active loans using your PAN […]

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Keeping track of your active loans is important for managing your finances and maintaining a healthy credit score. If you are unsure about your current loan status, you can easily check all loans linked to your name using your PAN card.

This guide will help you understand how to check active loans using your PAN card through reliable methods like credit bureaus and financial platforms.

Why Use a PAN Card to Check Loan Status?

Your Permanent Account Number (PAN) is linked to all your financial transactions, including loans and credit cards. When you apply for a loan, the lender reports it to credit bureaus using your PAN card.

That means your PAN becomes a central identifier for all credit-related data—making it easy to fetch loan records across banks and NBFCs.

How to Check Active Loan on PAN Card

You can check your active loans linked to your PAN card through credit bureaus or financial aggregator platforms. Here are the steps:

1. Through CIBIL (TransUnion CIBIL)

CIBIL is one of the most trusted credit bureaus in India.

Steps:

  1. Visit the official website: https://www.cibil.com

  2. Click on “Get Your Free CIBIL Score”

  3. Enter your PAN card number, mobile number, and email

  4. Complete OTP verification

  5. View your credit report, which shows:

    • Active loans

    • EMI history

    • Overdue payments

    • Credit inquiries

Note: You get one free CIBIL report per year. For unlimited access, you need a subscription.

2. Through Experian, Equifax, or CRIF High Mark

Other major credit bureaus also provide similar services:

Each of them allows you to generate your credit report using your PAN card, where you can see:

  • Active loans (personal, home, auto, education)

  • Loan start and end dates

  • EMI payment status

  • Overdue or defaulted amounts

3. Using Financial Aggregator Apps (Like Paytm, BankBazaar, etc.)

Many fintech platforms allow you to check your credit score and active loans using just your PAN card.

Examples:

  • Paytm

  • BankBazaar

  • Paisabazaar

  • Navi

  • CRED

Steps:

  1. Install the app

  2. Navigate to the “Credit Score” or “Check Loan Status” section

  3. Enter your PAN card number

  4. Authenticate with OTP

  5. View your credit report instantly

These platforms often display a summary of your total loan amount, active EMI plans, and repayment history.

4. Through Your Loan Provider’s Website or App

If you’ve taken loans from banks like HDFC, SBI, or NBFCs like Bajaj Finserv, you can log into their customer portal using your PAN number or registered mobile number and check:

  • Loan account status

  • EMI details

  • Outstanding balance

What Details You Can Find in Your Loan Report

When you check your active loans using your PAN card, the following information is typically available:

  • Loan type (personal, home, auto, etc.)

  • Loan provider name

  • Loan amount sanctioned

  • Current outstanding balance

  • EMI amount and tenure

  • Payment history (on-time, delayed, missed)

  • Loan closure status (open or closed)

Why It’s Important to Check Your Active Loans

  • Avoid duplicate or fraudulent loans

  • Track your repayment health

  • Improve your CIBIL score

  • Know your loan eligibility

  • Prevent loan rejections due to overdue accounts

Final Words

Checking active loans on your PAN card is easy, secure, and highly recommended for every borrower. It gives you a clear picture of your financial obligations and helps you take control of your credit life.

Start today by getting your free credit report and track your loans accurately. If you notice any errors or unfamiliar entries, take quick action to correct them.

FAQs on How to Check Active Loan on PAN Card

Q1. Can I check all my loans with just my PAN card?

Yes. Your PAN card is linked to all your credit accounts and can help fetch data from credit bureaus that show all active loans under your name.

Q2. Is it free to check loan status using PAN?

Yes, you can get one free credit report per year from each credit bureau. Some fintech apps may also offer free reports.

Q3. Can I check active loans without affecting my CIBIL score?

Yes. When you check your own credit report, it is treated as a soft inquiry and does not impact your credit score.

Q4. How often should I check for active loans on my PAN?

You should check your credit report at least once every 3-6 months to stay updated and spot any errors or suspicious activity.

Q5. What should I do if I find an unknown loan in my report?

Immediately raise a dispute with the respective credit bureau and contact the loan provider to resolve the issue.

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