How to Check Active Loan on PAN Card: 2025 Guide

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:

• Experian India

• Equifax India

• CRIF High Mark

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.