How to Check Active Loans on Your PAN Card (Step-by-Step Guide)
If you’ve ever wondered, “Are there any loans running in my name?” — this guide is for you.
In 2024–25, loan frauds and identity misuse have become more common than ever. From instant apps to hidden EMIs you forgot, your PAN card may be linked to loans you didn’t even know existed.
It’s crucial to check active loans on your PAN card regularly to avoid hidden debts and fraud.
In this detailed, easy-to-follow article, I’ll show you how to check all active loans linked to your PAN card using different methods. These steps are 100% safe, verified, and work for any Indian citizen.
Why You Must Check Active Loans Linked to PAN Card
Before we jump into the “how”, here’s why this is critical:
- Loan fraud is real — Your PAN is enough to take a loan in your name
- CIBIL score can drop due to unpaid or fake accounts
- Banks may reject your loan application because of unknown credit exposure
- You may be held responsible for EMIs you never signed up for
Let’s fix that — right now.
Methods to Check Active Loans
There are several simple and verified ways to check which loans are linked to your PAN card. These methods help you detect existing EMIs, loan fraud, or forgotten credit accounts. Below are the three best ways — from official reports to mobile apps — to check your loan status instantly.
One of the easiest ways to check active loans on your PAN card is by using your CIBIL report.
Method 1: Check Active Loans Using Your CIBIL Report
Your CIBIL report shows all loans and credit cards linked to your PAN. Here’s how to access it for free:
Step-by-step (Free CIBIL report via CIBIL.com):
- Go to www.cibil.com
- Click on “Get Your Free CIBIL Score”
- Register with your name, DOB, mobile number, and PAN card
- Complete OTP verification
- Once inside, go to “Credit Report” → “Account Information”
You’ll see a list of:
- Active loans
- Loan type (home, personal, auto, credit card)
- Bank name
- Account number (partially hidden)
- EMI history and overdue (if any)
Pro Tip: Pull this report once every 3–6 months to stay safe.
Method 2: Check Through OneScore, Paytm, or Cred
If you want a mobile-friendly or app-based version:
OneScore (Recommended):
- Download the app
- Sign up using mobile and PAN
- View your credit report instantly with detailed insights
Other options:
- Paytm App → Loan & Credit Score section
- Cred App → Profile → Credit Score tab
- BankBazaar or Wishfin → Free CIBIL report tools
These apps use TransUnion or Experian APIs, so results are accurate — just remember they may offer promotions or ads.
Method 3: Using DigiLocker + CKYC Data
Yes, you can also check your loan-linked documents via DigiLocker (especially if lenders uploaded eStatements or KYC PDFs). While not as reliable, DigiLocker might still help you check active loans on your PAN card via uploaded CKYC or NBFC docs.
Steps:
- Log in to DigiLocker
- Link your Aadhaar and PAN
- Search for documents like:
- Loan Sanction Letters
- NBFC Statements
- KYC Verified Loan Approvals
This won’t always show all loans, but it can reveal loans you forgot about.
If anything looks suspicious when you check active loans on your PAN card, treat it seriously and investigate immediately.
How to Check If a Loan Is Fake or Fraudulent
Found a loan you don’t remember taking? Here’s how to check if it’s legit:
Red Flags:
- You never got a welcome call/email
- The lender is unknown or app-based
- Your credit report shows EMI dues, but no SMS/email trails
- The account was created when your documents were possibly leaked/shared
What to do:
- Call the lender’s customer care
- Ask for KYC verification and loan application details
- Dispute the entry via CIBIL’s dispute option
- Lodge a complaint with cybercrime.gov.in
Bonus: How to Protect Your PAN from Future Loan Frauds
Here are some pro tips that can help protect PAN from future loans and debts.
- Never share full PAN card on WhatsApp, PDF forms, or email without purpose
- Avoid uploading to unsecured loan apps
- Don’t keep PAN and Aadhaar in DigiLocker “shared” view
- Sign up for CIBIL alerts (SMS/email) for score changes
Quick Table: Methods to Check Loan Status via PAN
| Method | Platform | Shows All Loans? | Free? | Time Taken |
|---|---|---|---|---|
| CIBIL | cibil.com | ✅ Yes | ✅ Free (basic) | 5–10 mins |
| OneScore App | Mobile | ✅ Yes | ✅ Free | 2–5 mins |
| Paytm/Cred | Mobile | ✅ Mostly | ✅ Free | 5 mins |
| DigiLocker | Govt site | ❌ Some loans only | ✅ Free | 10–15 mins |
| Bank/Branch Visit | Manual | ✅ Yes | ❌ Not practical | 30–60 mins |
People Also Ask (And We Answer):
Based on common borrower queries and what people are actively searching on Google, here are some frequently asked questions about checking active loans linked to your PAN card. These cover both technical steps and fraud-related concerns.
Most people are surprised to see old or unknown EMIs when they check active loans on your PAN card using apps or credit tools.
How can I check my PAN card active loan online?
Use CIBIL.com or the OneScore app — both are free and show every loan or card linked to your PAN.
How do I check a fake loan on my PAN card?
First, pull your credit report. If a suspicious loan appears, call the lender and dispute it via CIBIL. Also file a police complaint if needed.
How do I check all my loan accounts?
Check your CIBIL report or use apps like OneScore or Paytm. They list every loan ever taken under your PAN.
How do I check if I have a loan on my name?
Go to cibil.com → Register → Get your free report. This will confirm if any loan is running in your name.
Wait… What If I Don’t See Any Loans?
That’s great news! If your report is clean, no loans or credit cards are linked to your PAN — but continue to monitor it regularly.
Also: If you’re applying for a loan and worried about rejected applications or “too many loans” listed, talk to a debt consultant before taking further steps.
Final Word (And How We Help at SDS)
Checking your PAN-linked loan history is no longer optional — it’s essential.
Whether you’re planning a loan, facing harassment from recovery agents, or just being cautious, this check gives you control over your financial identity.
If you:
- Found a fake loan
- Got harassed over a loan you never took
- Need help in disputing or settling a loan
We’re just a click away.
Book a consultation with Sharma Debt Solutions — and let’s fix it together.
Don’t Forget:
Bookmark this page and share with family or friends — it may save someone from fraud.
Want a smart way to track incidents? Try our Harassment Log Tracker – 100% free.
Always make it a habit to check active loans on your PAN card every few months — it keeps your credit report clean and alerts you to any fraud instantly.
Don’t wait for loan harassment to start — check active loans on your PAN card now and stay in control of your finances.
