How to Check Active Loan on PAN Card

How to Check Active Loan on PAN Card

You can check active loans linked to your PAN by downloading your credit report from CIBIL or Experian using the applicable verification process. Reviewing the report can help you identify existing loans, outstanding balances and unauthorised accounts.
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In Summary

Your PAN helps credit bureaus identify credit accounts reported in your name. You can check your credit report to review active and closed loans, outstanding balances and recent credit enquiries.


  • CIBIL reports include details of active and inactive loan and credit card accounts.
  • Your credit report can show the lender, loan type, account details and current outstanding balance.
  • You can use CIBIL or Experian to access your credit report.
  • Check the Accounts section to identify active loans.
  • Review the lender name, account status, outstanding amount and repayment history.
  • Check the Enquiries section for recent loan or credit card applications you do not recognise.
  • Report unfamiliar accounts or enquiries to the relevant lender and credit bureau.
  • Checking your PAN status on the Income Tax portal is different from checking loans linked to your PAN.

Regularly reviewing your credit report can help you identify incorrect information and take action if you find an account you did not open.

Can you check active loans using your PAN?

Yes, you can use your PAN as an identifying detail when accessing your credit report, but PAN itself does not provide a list of your active loans.


Credit bureaus receive credit information from banks and financial institutions and compile it into your credit report. CIBIL states that its report contains details of active and inactive loan and credit card accounts.


The Income Tax Department's Verify PAN Status service has a different purpose. It lets you check whether your PAN is active and whether details such as your name and date of birth match the PAN database. It does not provide your loan account history.

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How can you check active loans on your PAN?

You can follow these steps:


  1. Choose a credit bureau: Access your report through CIBIL or Experian.
  2. Complete verification: Provide the requested personal and authentication details.
  3. Download or access your credit report: Follow the bureau's current process.
  4. Open the Accounts section: Look for loan and credit card accounts reported in your name.
  5. Check the account status: Identify accounts shown as active or open.
  6. Review the outstanding balance: Check the amount reported against each active loan.
  7. Check recent enquiries: Look for credit applications that you do not recognise.
  8. Raise a dispute if required: Contact the lender and bureau if you identify an incorrect or unauthorised account.

CIBIL's report includes active and inactive accounts, while its Accounts section provides information such as lender name, type of credit, current balance and payment history.

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How can you check active loans through CIBIL?

You can obtain your CIBIL Score and Report through the CIBIL website. CIBIL states that the report includes details of active and inactive loan and credit card accounts.


Once you access the report, review the Account Information or Accounts section. Look for:

  • Lender name
  • Type of loan
  • Account number
  • Loan amount
  • Current balance
  • Account status
  • Date the account was opened
  • Repayment history

CIBIL currently provides one free CIBIL Score and Report per calendar year to eligible consumers through its website.


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How can you check active loans through Experian?

You can also access your Experian credit report to review credit accounts associated with your credit history.


Experian states that its credit report includes personal details, active and closed loan accounts, credit cards, repayment history, credit limits and outstanding balances.


After accessing your report, review the loan accounts and their current status to identify which loans are active.

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What information can you see about an active loan?

Your credit report can provide several details about an active loan.


InformationWhat it tells you
Lender nameThe bank or financial institution reporting the account
Loan typePersonal, home, vehicle or another type of credit
Account statusWhether the account is reported as active or closed
Loan amountAmount originally reported or sanctioned, depending on the report
Current balanceOutstanding amount reported by the lender
Payment historyRecord of reported repayments
Account opening dateWhen the credit account was opened
EnquiriesRecent requests for your credit information

The exact fields displayed can vary between credit bureaus and report formats.

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How do you know whether a loan is still active?

Check the account status and current balance shown in your credit report.


An account marked as open or active indicates that the lender is reporting it as an active credit account. You should also review the outstanding balance and recent payment information.


Do not assume that an account is closed simply because you have completed your last EMI. Check whether the lender has updated the account status in your credit report.


CIBIL notes that closed loans can remain on a credit report as part of your credit history.

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What if you find an unknown loan on your PAN?

If your credit report shows a loan that you did not apply for or recognise, first check the lender name and account details.


You should:

  1. Review the account details carefully.
  2. Contact the lender shown in the report.
  3. Ask the lender to investigate the account.
  4. Raise a dispute with the relevant credit bureau if the information is incorrect.
  5. Keep records of your complaint and supporting documents.
  6. Monitor your credit report for further unfamiliar activity.

CIBIL specifically advises consumers to look for unfamiliar enquiries and accounts and provides a dispute process for discrepancies.


Experian also recommends checking your credit report regularly to identify mistakes and safeguard against fraud.

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How often should you check your credit report?

You can check your credit report periodically to monitor your loan accounts, repayment information and credit enquiries.


Regular checks can help you identify:

  • Incorrect loan balances
  • Loans that should have been closed
  • Unrecognised loan accounts
  • Unfamiliar credit enquiries
  • Incorrect repayment information
  • Personal information that needs correction

Checking your own credit report is different from a lender making a credit enquiry when you apply for credit.

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Does checking your own credit report affect your CIBIL Score?

Checking your own credit report does not affect your CIBIL Score. When you access your own report, it is treated as a consumer-initiated check and is different from a lender's credit enquiry made when you apply for a loan or other credit facility.


You can therefore check your credit report regularly to monitor your credit information without worrying that the check itself will lower your score.


Reviewing your report can help you:

  • Check reported loans: Confirm that the loans and credit accounts listed belong to you.
  • Identify errors: Look for incorrect personal details, account information or repayment records.
  • Spot unauthorised credit: Identify loans or credit accounts that you do not recognise.
  • Monitor repayment history: Check whether your repayments are being reported correctly.
  • Track your credit profile: Understand changes in your credit information over time.

H

owever, repeatedly applying for new credit can result in lender-initiated enquiries, which are recorded separately from your own credit-report checks. Therefore, checking your own report is a useful part of regular credit monitoring.

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What should you check after downloading your credit report?

Do not check only the number of active loans. Review the complete report.


Check:

  • Personal information
  • PAN and identity details
  • Active loan accounts
  • Closed loan accounts
  • Outstanding balances
  • Repayment history
  • Credit card accounts
  • Recent credit enquiries
  • Account ownership details
  • Any unfamiliar lender or account

CIBIL's report includes personal information, account information and enquiry information, making all three sections relevant when reviewing your credit history.

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Why should you check active loans linked to your PAN?

Checking your active loans regularly can help you keep track of your outstanding financial commitments and identify incorrect or unauthorised accounts. Your credit report can also help you verify whether information reported by lenders is accurate.


You should check for:

  • Unrecognised loans: Identify accounts you did not apply for or authorise.
  • Incorrect outstanding amounts: Compare reported balances with your latest lender statement.
  • Loans marked incorrectly: Check whether loans you have repaid are still shown as active.
  • Unfamiliar credit enquiries: Identify recent loan applications or credit checks you do not recognise.
  • Repayment information: Check whether your EMI payments are being reported accurately.

If you find an unfamiliar loan or incorrect information, contact the lender shown in the report and raise a dispute with the relevant credit bureau. Regular monitoring can help you identify discrepancies and take corrective action promptly.

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What are the different ways to check active loans on your PAN?

You can check active loans associated with your credit profile through your credit report and your existing financial records. These methods can help you identify loans, outstanding balances and credit accounts reported in your name.


  • Check your CIBIL report: Review the accounts section for active loans, lender names, outstanding balances and repayment details.
  • Check your Experian report: Review reported loan accounts and their current status to identify active or closed credit.
  • Review bank statements: Check for regular EMI deductions or loan-related transactions that can help you identify ongoing repayments.
  • Check loan account statements: If you know your lenders, review their loan statements to confirm the outstanding amount and repayment status.
  • Review recent credit enquiries: Check the enquiries section of your credit report for loan or credit applications that you do not recognise.

Using your credit report along with your financial records gives you a broader view of your existing borrowing.

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Key offerings: 3 loan types

  • Flexi Hybrid Loan
  • Flexi Dropline Loan
  • Term Loan

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    You can pay interest-only EMIs for up to 36 months, after which, the EMI will consist of both, the principal and the interest. EMI is applicable only on the withdrawn amount.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest on the loan amount you withdraw.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Amount disbursed in one go
    The entire loan amount is disbursed at the start.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest.

  • Flexi facility charges
    No Flexi facility charges.

Personal loan interest rate and applicable charges

Type of fee

Applicable charges

Rate of interest per annum

10% to 30.5% p.a.

Processing fees

Up to 4.13% of the loan amount (inclusive of applicable taxes).

Flexi Facility Charge

Term Loan – Not applicable

Flexi Loans –Up To Rs 1,999 To Up To Rs 18,999/- (Inclusive Of Applicable Taxes)

Will be deducted upfront from loan amount.

Bounce charges

Rs. 700 to Rs. 1,200/- per bounce

“Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason.

Part-prepayment charges

Full Pre-payment:

  • Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment

  • Flexi Term (Dropline) Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

  • Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

Part Pre-payment

  • Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-Payment.

  • Not Applicable for Flexi Term (Dropline) Loan and Flexi Hybrid Term Loan.

Penal charge

Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.

Stamp duty (as per respective state)

Payable as per state laws and deducted upfront from loan amount.

Annual maintenance charges

Term Loan: Not applicable

Flexi Term (Dropline) Loan:

Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges.


Flexi Hybrid Term Loan:

Up to 0.472% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Tenure. Up to 0.295% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure

Credit guarantee scheme feeUp to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount
Credit guarantee scheme renewal feeUp to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount as on April 01 of the subsequent Financial Year.
*Renewal Fee to be collected only for 3 subsequent financial years.
 
**If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated.

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Frequently asked questions

Overview

Tips

Improvements

Active loans

How to do a PAN card loan check online?

You can check loans linked to your PAN online by accessing your credit report from CIBIL or Experian and completing the required PAN and OTP verification.

To check unpaid loans, review your credit report or directly contact the lender. It will show outstanding balances and payment history.

While anyone can attempt to use your PAN for a loan, lenders usually require additional documents and verification, making fraudulent use unlikely without your consent.

Immediately contact the lender, file a police report, and raise a complaint with the credit bureaus to freeze your credit. This helps mitigate damage.

Applying for a new PAN card does not affect your CIBIL score directly. However, a loan inquiry linked to your PAN may influence your score.

Your PAN card is a unique identifier used by lenders to track your credit history. By checking the active loans on your PAN card, you can gain insights into your outstanding liabilities, ensure that no fraudulent loans are taken in your name, and manage your financial planning better. This practice can also help you maintain a healthy credit score, which is crucial for future loan application.

To close your active loan account, repay the outstanding amount, and obtain a No Objection Certificate (NOC).

Check your credit report regularly through credit bureaus to identify any unauthorised loans. If you find discrepancies, report them immediately to credit bureau for resolution.

You can check if your loan is active by accessing your credit report using your PAN card on any credit bureau website.

Your credit report shows all active and closed loans, EMI repayment history, outstanding balances, loan types, and lender details.

Check your credit report regularly for unknown loans. Any unauthorised loan under your PAN will appear in your report.

No, applying for a new PAN card doesn’t impact your CIBIL score unless you misuse or duplicate your PAN for credit purposes.

You can identify any fraudulent loans by checking your PAN card loan records through credit bureau portals or your lender’s website, ensuring all loans are genuinely yours.

Yes, lenders regularly report loan and repayment details linked to your PAN card to credit bureaus, ensuring your credit report reflects updated and accurate loan information.

Avoid sharing PAN details unnecessarily, use trusted platforms only, monitor your credit report regularly, and report suspicious activity immediately to prevent misuse.

Yes, active loans linked to your name can be checked through your CIBIL report, Experian report, or other credit bureau reports using your PAN and registered mobile number.

Yes, CIBIL is linked to your PAN card. Lenders use PAN details to report and track loan accounts, repayment history, and credit activity across financial institutions.

Only authorised entities such as banks, NBFCs, and credit bureaus can access PAN-linked loan data after receiving your consent during loan or credit applications.

Checking active loans on PAN card usually takes only a few minutes if you access your credit report through an authorised credit bureau and complete the identity verification process successfully. The exact time may vary depending on the verification method and the credit bureau's processing system.

You can check loans linked to your PAN online by accessing your credit report from CIBIL or Experian and completing the required PAN and OTP verification.

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