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Check Active Loans on PAN Card: Protect Your CIBIL Score from Fraud in 2026

Vikram Singh

February 20, 2026 at 4:34 PM IST · 4 min read

Check Active Loans on PAN Card: Are you absolutely sure that the only loans active on your PAN card are those you’ve taken? In today’s digital age, where data leaks are common, identity theft has become a silent threat that can devastate your CIBIL score in an instant. Fraudsters often misuse innocent people’s documents to withdraw money from instant loan apps and never pay the EMIs.

This directly impacts your credit score, and when you apply for a larger loan in the future, the bank may consider you a defaulter and reject you. To protect your financial standing, it’s crucial to thoroughly review your credit profile from time to time.

How can loans harm your CIBIL score

Identity theft isn’t just a term, but a serious financial crisis. When a scammer takes out a loan in your name, that loan is permanently recorded in your credit history. Because you’re unaware of this loan, you’re likely to miss payments, and even a single EMI bounce can cause your CIBIL score to drop rapidly.

Home Loan Tricks

According to the new banking guidelines of 2026, customers with low CIBIL scores not only face difficulty in obtaining loans but also face higher interest rates. Therefore, reviewing your financial health is no longer just an option, but a mandatory step for your safety.

Ways to Track Your Active Loan Status

If you want to ensure there are no unauthorized loans in your name, you can take some important steps to review your entire ‘loan horoscope’. First, you should obtain a detailed credit report from authorized agencies like CIBIL, Experian, or Equifax at least twice a year, as it contains complete details of all your active and closed loans. Additionally, keep a close eye on all EMI messages and alerts sent by your bank.

If you carefully review your mobile SMS and email inbox and see any unknown transactions or loan recovery messages, be alert immediately. You can also check the status of your active accounts in the “Loans” section by logging into the official app or net banking portal of the bank you hold the account with.

If you notice any discrepancies in the online information, the safest course of action is to immediately visit your home branch and request information about active loans in writing from a bank official.

Credit Report

A credit report is not just a game of numbers; it is a mirror of your financial character. It not only contains information about your current loans, but also the number of credit cards you have used over the past few years and how disciplined your payments have been.

If the report shows the name of a bank or financial institution you have never dealt with, understand that your documents have been tampered with. Given the increasing cases of digital fraud in 2026, it is wise to regularly audit your report, as even a small incorrect entry can impact your future borrowing capacity.

personal loan interest rates

Take these steps immediately if you discover a fraudulent loan

If you notice a suspicious or fraudulent loan entry in your credit report, instead of panicking, take immediate action to eliminate your financial liability.

First, notify the bank or NBFC that issued the fraudulent loan via email or registered mail, clearly stating your fraud.
Additionally, visit CIBIL or the relevant credit bureau’s website and fill out the online ‘Dispute Resolution’ form so they can seek verification from the bank and remove the erroneous entry from your report.
Finally, don’t forget to file your complaint on the Government of India’s official cyber portal, as this will serve as legal evidence and protect you from future legal complications.

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