How To Check Active Loan On My Name

How to Check Active Loans on Your Name?

Checking whether any loan is active on your name is important to avoid repayment issues, track your EMIs, and protect yourself from identity theft. Today, most lenders report loan details to credit bureaus, so you can easily verify all active loans linked to your PAN, Aadhaar, and mobile number.

Here are the safest and most accurate ways to check active loans on your name:

Check Active Loans in CIBIL Report

Follow these simple steps to view active loans in your CIBIL report:

Step 1: Go to the CIBIL Website and click on the option to get your “Get your free CIBIL Score & Report”.

Step 2: You will be redirected to the Enroll page. Create an account or log in, then enter your details - Email ID, Password, First and Last Name, Select ID Type (PAN), ID Number, Date of Birth, Pincode, and Mobile Number. Finally, click the 'Accept and Continue' button.

Step 3: On the next page, enter the OTP sent to your mobile and email for verification.

Step 4: Access your CIBIL dashboard and open your credit report to view all loan and credit details linked to your PAN.

Step 5: Go to the “Accounts” section of your CIBIL report to view all loan entries linked to your PAN, including loan type, lender name, sanctioned amount, outstanding balance, EMI details, and loan status. This section clearly displays every active loan currently running under your name.

Check Active Loan Through Equifax Credit Report

Equifax credit report gives you a complete list of all active loans linked to your PAN, helping you quickly verify any ongoing or unknown loans under your name.

Step 1: Visit the official Equifax India website.

Step 2: On the Home Page Click “Explore Personal Credit Report” section.

Step 3: Redirect to the personal page Click on “Get Your Free Credit Report and Score Now”

Step 4: Enter your signup details - First Name, Last Name, Mobile Number, and Email Address (this will be used as your username).

tep 5: An email verification of OTP will be sent to your registered email. Enter the “Email OTP” and click the Next button.

Step 7: Once your report is generated, download it in PDF format.

Step 8: Go to the “Credit Accounts / Trade Lines” section of the report.

Step 9: Here, you will see every active loan on your name, along with lender name, loan amount, EMI status, outstanding balance, and past payment history.

Check Active Loan Through Experian Credit Report

Experian provides an updated view of all loans linked to your PAN, helping you quickly verify active loans, outstanding dues, and detect any suspicious credit activity.

Step 1: Go to the Experian India official website and click “Get Free Credit Score” on the homepage banner.

Step 2: You will be redirected to the Login/Registration page. If you are a new user, click on “Register.” Enter your mobile number, and you will receive an OTP. Enter the OTP to verify your number.

Step 3: On the next page, enter your personal details - Name, Email ID, Date of Birth, Gender, PAN, Address, and PIN Code and then click the “Get Report” button.

Step 4: After you are redirected to the dashboard, click “Download Report” to access your full credit report.

Step 5: Open the ‘Credit Accounts’ section to view all loans linked to your profile.

Step 6:Check the details of all active loans, including the loan type, original amount, outstanding balance, EMI status, payment history, DPD, and whether the loan is active, closed, or overdue.

How to Check Active Loans in CRIF High Mark

Checking your active loans in CRIF High Mark helps you know all the loans currently running under your name, along with their repayment status. Here’s a quick and easy way to do it:

Step 1: Go to the official CRIF High Mark website and click the “GET FREE SCORE NOW” button on the homepage banner.

Step 2: On the registration page, enter your name, PAN details, mobile number, email ID, password, PIN code, select your state, and click the Register button.

Step 3: An OTP will be sent to your registered mobile number. Enter it to confirm your identity.

Step 4: View your score instantly on the dashboard with basic insights, and access your full report (free once a year) for detailed loan information or download it as a PDF.

Step 5: Go to the ‘Accounts’ section to view all loan accounts reported by banks, NBFCs, and other lenders.

Step 6: View the details of your active loans, including the loan type, original amount, outstanding balance, EMI and repayment history, DPD, and the current loan status (active, closed, overdue, or settled).

How to Check Active Loans Using PAN Card (Step-by-Step Process)

Checking all active loans linked to your PAN card is simple, quick, and completely online. Since every loan you take is reported to credit bureaus using your PAN, you can easily track all ongoing loans by accessing your credit report. Follow the steps below:

Step 1: Visit Any Credit Bureau Website

Go to a trusted bureau like CIBIL™, Equifax, Experian, or CRIF High Mark and request your credit report using your PAN to view all loans linked to your name.

Step 2: Enter Your PAN Card Number

Enter your PAN card number, which serves as the primary identifier for all your loan accounts, in the credit report request form.

Step 3: Complete Identity Verification

Verify your identity by entering details like your full name, date of birth, mobile number, email ID, PIN Code, and sometimes address. An OTP wil,l be sent to your mobile to complete the verification process.

Step 4: Access Your Credit Report Instantly

Once verification is complete, your credit report will be generated online. Open it to view all active loans, outstanding balances, EMI details, lender names, loan opening dates, and the current loan status (Active/Closed/Settled).

Step 5: Review the “Accounts” Section in the Report

Check the “Accounts” section to see every loan linked to your PAN - including running loans, closed accounts, overdue or defaulted loans, and credit card dues - giving you a complete view of all liabilities under your name.

Step 6: ownload or Save Your Report for Future Use

Download your report as a PDF to use it for loan planning, detecting unknown or fraudulent loans, tracking your repayment history, and correcting any incorrect entries with the credit bureau.

How to Track Active Loans Using Lender Website, Net Banking & App

You can check loans linked to your PAN directly through your lender’s website, net banking, or mobile app, where all active loan and EMI details appear once you log in.

1. Check Through the Lender’s Official Website

Many lenders provide a dedicated loan dashboard where borrowers can easily view loan details after logging in.

Steps

1. Visit the official website of your bank or NBFC.
2. Go to the ‘Loan Services’, ‘My Loans’, or ‘Loan Account Summary’ section.
3. Log in using your registered mobile number, customer ID, or PAN (depending on the lender).
4. Once logged in, you can see:
• Loan type (personal, home, car, gold loan, etc.)
• Outstanding loan amount
• Next EMI date
• Total EMIs paid and pending
• Overdue or missed EMIs

2. Check Active Loans Using Net Banking

If your loan is linked to your savings or current bank account, net banking provides the most accurate and real-time details.

Steps:

1. Log in to your bank’s net banking portal.
2. Navigate to Accounts → Loan Accounts.
3. Select the loan account number displayed in your profile.
4. View full details including:
• Current outstanding balance
• EMI history
• Foreclosure amount
• Interest rate and tenure
• Loan disbursement date

3. Check Active Loans Using the Bank’s Mobile App

Steps:

1. Download and open your lender’s official mobile app.
2. Sign in using your mobile number, MPIN, or biometric login.
3. Go to the Loans, Borrow, or Accounts section.
4. Select your active loan account to view:
• EMI schedule
• Updated outstanding balance
• Part-payment or foreclosure options
• Loan statements and repayment history

Why Should You Check Active Loans in Your Name?

Checking active loans in your name is essential for maintaining financial health, preventing fraud, and ensuring your credit report stays accurate and updated.

1. Detect Unknown or Fraudulent Loans

Loan fraud and PAN misuse have increased in recent years. Someone may use your identity to apply for a loan without your knowledge. By reviewing your active loans, you can immediately identify any suspicious accounts that do not belong to you and take action before it affects your credit score.

2. Track Your Outstanding Dues

Your credit report clearly shows your outstanding balance, EMI status, and repayment history for every loan. This helps you stay updated on what you owe, plan your monthly budget, and avoid missing EMIs due to oversight.

3. Maintain a Healthy Credit Score

Your credit score is directly influenced by the number of active loans, repayment behaviour, and credit utilization. By checking your loan details regularly, you can identify issues - like overdue EMIs or high outstanding amounts-that may be lowering your score and fix them quickly.

4. Avoid Penalties and Defaults

Many borrowers unintentionally miss EMIs due to changes in bank accounts, expired auto-debit mandates, or lack of reminders. Regularly checking your active loans ensures you never miss a payment, helping you avoid penal charges, interest hikes, or loan default messages in your credit file.

5. Verify Closed Loans and Their Status

Sometimes closed loans continue to appear as “active” because lenders forget to update the credit bureaus. This can reduce your score and affect your chances of getting a new loan. Reviewing your active loans helps you ensure that all closed accounts are correctly updated as “closed” or “paid in full.”

6. Prepare for Future Loan Applications

Banks check your existing loan obligations before approving any new loan. If your report shows errors, unknown loans, or duplicate accounts, it may affect your loan eligibility. By checking active loans beforehand, you can correct issues early and improve your chances of getting approval at a better interest rate.

7. Monitor Co-Signed or Joint Loans

If you are a co-applicant or guarantor for someone else’s loan, you are equally responsible for repayment. Regular monitoring helps you ensure that the primary borrower is paying EMIs on time so that your credit score is not affected.

8. Protect Yourself From Identity Theft

A sudden drop in your credit score or unknown hard inquiries can be early signs of identity theft. Checking active loans regularly allows you to detect these warning signs and take immediate steps to secure your PAN and financial documents.

9. Maintain Better Control Over Your Finances

Having a clear picture of all your active loans helps you plan your finances better. You can decide when to pre-close a loan, when to apply for a balance transfer, or when to avoid additional borrowing.

10. Prevent Future Loan Rejection

Any mismatch or incorrect loan information can lead to rejection of your loan applications. Regular monitoring ensures your report stays clean and updated, improving your approval chances for personal loans, home loans, or credit cards.

Conclusion

Checking the active loans under your name is no longer optional-it is an essential part of maintaining financial security and a healthy credit profile. With loan data now being reported instantly to credit bureaus, you have the power to monitor every loan connected to your PAN, Aadhaar, or mobile number from the comfort of your home. Whether you want to ensure that all your EMIs are updated, verify that your closed loans are correctly reported, or safeguard yourself against identity theft and fraudulent borrowing, reviewing your credit report regularly gives you complete control over your financial identity.

By using trusted platforms like CIBIL, Experian, Equifax, and CRIF High Mark, you can accurately track every active loan, outstanding balance, and repayment detail in just a few minutes. This simple habit not only helps you avoid surprises such as unknown loans or sudden score drops but also improves your chances of getting future loans at better interest rates.

Staying informed is the strongest financial protection you can have. Make it a practice to check your loan status at least once every few months so you can stay one step ahead of errors, fraud, and credit score issues - ensuring a secure and transparent financial future.

Frequently Asked Questions