You can easily track all your active loans, credit card dues, and credit history using your PAN number. Knowing how to check your loan details by PAN number is essential for maintaining your credit health, identifying unauthorized loans, and ensuring all your financial records are accurate.

Importance of Checking Loan Details Linked to PAN

Since your Permanent Account Number (PAN) links all your financial activities — from income tax filings to loan applications — it is crucial to verify if any loan has been issued under your name. Regularly checking loan details using your PAN:

  • Prevents misuse of your identity for fraudulent loans.

  • Keeps you updated about your repayment schedules.

  • Helps you maintain a healthy credit score.

  • Detects errors or unauthorized credit accounts at an early stage.

Methods to Check Loan Details Using PAN Number

You can check all active and past loans by accessing your credit report from any of India’s four credit bureaus. Each bureau collects data from banks and lenders to generate a report under your PAN.

1. Check Loan Details via CIBIL (TransUnion CIBIL)

CIBIL maintains complete records of all loans and credit cards linked to your PAN number.

Steps:

   1. Visit the official CIBIL website.

   2. Click on “Get your Free CIBIL Score & Report.”

   3. Create an account using details such as Name, Date of Birth, PAN number, Email ID, and Mobile Number.

   4. Verify your identity using OTP sent to your registered mobile and email.

   5. Once logged in, your dashboard will display your CIBIL score and full credit report.

The report will show each loan linked to your PAN, including loan type, amount, repayment status, EMI schedule, and closure details.

2. Check Loan Details via Experian

Experian also provides a detailed credit report showing your active and closed loans.

Steps:

   1. Visit the Experian website.

   2. Click on “Get Your Credit Report.”

   3. Enter your mobile number on the next page and verify it by submitting the OTP sent to your phone.

   4. Fill in the required personal information related to your loan or credit card, such as your full name, email ID, date of birth, PAN number, postal code, and residential address.

   5. Agree to Experian’s terms and conditions by checking the consent box, then click on “Get Report.”

   6. Your credit report will display a detailed overview of all your loans along with the key factors influencing your credit score.

3. Check Loan Details via Equifax

Equifax provides one free credit report every year that summarizes your entire credit activity.

Steps:

    1. Visit the official Equifax website.  

    2. If you are a new user, create an account. If you already have an account, simply log in using your existing credentials.  

    3. Enter your personal details such as name, date of birth, address, and PAN number.  

    4. Submit a request to obtain your credit report, which provides a summary of your overall credit history, including loans and credit cards. 

    5. The generated credit report will display information such as loan status, outstanding balance, payment history, and other relevant details.

Note: Equifax reports may also consider information based on your name, address, or other identifiers used during loan applications.

4. Check Loan Details via CRIF High Mark

CRIF High Mark tracks all retail and commercial loans linked to your identity and PAN.

Steps:

   1. Visit the CRIF High Mark website.

   2. Fill in details such as Full Name, Mobile Number, Email ID, ID proof (PAN, Passport, Voter ID, etc.), and Address.

   3. Choose a “Free Report” or “Paid Report.”

   4. Answer security questions related to your credit history for verification.

   5. The credit report will be sent to your registered email and display all your active loan accounts.

Other Ways to Check Loan Details Using PAN

Apart from accessing credit reports from official bureaus, there are several other reliable methods to check your loan details using a PAN number. These alternatives are quicker and often help you verify specific loan information directly with your lender or bank.

1. Through Mobile Banking Apps

Most banks and NBFCs allow you to view complete loan information through their mobile applications.

Steps to follow:

  • Download the official app of your respective bank or financial institution.

  • Log in using registered credentials such as your customer ID or mobile number.

  • Navigate to the “Loans” or “Accounts” section to view the status of your active loans.

  • The app will display details like your loan amount, EMIs, payment history, and next due date.

Tip: Always ensure you use verified apps from the Play Store or App Store to keep your PAN-linked data secure.

2. Using Net Banking Portals

If you have registered for internet banking, you can use your PAN-linked account to check loan details online.

Steps to check:

  • Visit your bank’s official net banking login page.

  • Log in using your user ID and password.

  • In the dashboard, select “Loans,” “Borrowings,” or “Accounts Summary.”

  • The section will display all loans taken under your PAN-linked account, showing outstanding balances and EMI schedules.

Note: This method is useful when all your loans are availed from the same bank.

3. Contacting the Lender Directly

You can contact your lender’s customer care department to obtain a detailed loan summary.

What to do:

  • Call the official customer care number or send an email using your registered email ID.

  • Provide your PAN card number and other identity details for verification.

  • Request a statement or an update regarding your active or closed loan accounts.

This is a safe option if your loan provider does not show details through digital platforms.

4. Checking Loan Statements

Your periodic loan statement contains all essential details about your credit account. These can be accessed via email, post, or your lender’s website.

Steps:

  • Review your latest loan statement to verify active status, due amount, and payment dates.

  • Cross-check your PAN and account number to ensure the details match.

  • Compare the statement with your credit report for consistency.

Maintaining copies of monthly or quarterly loan statements helps in tracking loan progress and avoids repayment disputes.

5. Using Aggregator or Fintech Platforms

Some RBI-registered fintech platforms allow users to consolidate their credit data using a PAN card or linked mobile number.

Features:

  • Provide real-time updates about loans and credit card dues.

  • Display lender names, EMI schedules, and repayment details.

  • Offer credit monitoring tools to track credit score changes.

Platforms like OneScore, Paytm, or Cred can help you monitor active loans and improve your credit behavior, though they should only be used with proper data consent.

What to Do If You Find a Fraudulent Loan

If you discover any unfamiliar or unauthorized loans while checking your credit report:

  • Immediately contact the respective credit bureau (CIBIL, Experian, Equifax, or CRIF High Mark).

  • File a dispute and request correction.

  • Inform the concerned bank or NBFC to block further transactions.

  • Keep records of all communications for future reference.

Benefits of Monitoring Loans Linked to PAN

  • Ensures transparency in your credit profile.

  • Enhances your eligibility for new loans by keeping your credit score high.

  • Protects against identity theft and fraudulent borrowing.

  • Helps manage and plan future finances effectively.

Conclusion

Checking all your loan details using your PAN number is a smart and essential financial habit. It not only protects you from fraud but also helps you track your borrowings, ensure data accuracy, and maintain a strong credit profile. Regular credit monitoring through CIBIL, Experian, Equifax, or CRIF High Mark keeps you financially informed and ready for any new credit opportunity.

FAQs on Checking Loan Details Using PAN Number

1. Can I check all my loan details using a PAN number?
Yes. You can access your credit report from any credit bureau (CIBIL, Experian, Equifax, or CRIF High Mark). The report lists all loans and credit cards associated with your PAN.

2. How can I find if someone used my PAN for a fraudulent loan?
By reviewing your credit report. If an unknown loan appears, it indicates possible misuse of your PAN.

3. Can I check my PAN credit history directly from the Income Tax website?
No. Tax websites don’t show credit histories. Use credit bureaus instead to check loans and repayment patterns.

4. How often should I check my loan details by PAN?
It’s advisable to check your credit report every 3–6 months to maintain financial awareness and detect any suspicious activities.

5. What if there’s an error in my loan data?
Raise a dispute with the concerned credit bureau and notify your lender to correct it immediately.