In today’s digital world, people easily become victims of fake scams. That’s why it is very important to stay alert. Nowadays, many people can apply for a loan just by uploading an Aadhaar card and PAN card. But if these documents fall into the wrong hands, there is a risk of fraud. In such a situation, we are going to tell you some simple ways to check if any fake loan has been taken using your PAN card.
How to Check Active Loans on Your PAN Card
Your PAN (Permanent Account Number) is a 10-digit alphanumeric ID issued by the Income Tax Department. It is mandatory for any financial or tax-related transaction in India. Every loan you take from a bank or financial institution is recorded against your PAN. Here are three simple ways to find out if any loan is linked to your PAN card.
1. Via Credit Bureau Services
Credit bureaus collect and share your credit history, including active loans.
Steps:
- Go to the website of a major credit bureau (e.g., CIBIL, Experian, Equifax).
- Register as a new user with your name, PAN, and address proof.
- Verify your mobile number via OTP.
- Log in and view your credit report.
- Check under “Active Loans” to see any loans linked to your PAN.
2. Using Fintech Apps
Many financial apps let you view and manage your loans in one place.
Steps:
Download a trusted fintech app and sign up with your KYC details, bank account, and PAN.
- Verify your identity and log in.
- Open the “Loans” or “Credit Report” section.
- View all active and pending loans linked to your PAN.
3. By Contacting Your Lender Directly
You can also check loans by reaching out to the bank or NBFC that issued them.
a. Through Online Banking
- Log in to your bank’s net-banking portal with your user ID and password.
- Go to the “Loans” tab.
- Select your account to view details of any active loans.
b. Through the Mobile Banking App
- Install your lender’s mobile banking app and register with your PAN and bank details.
- Verify via OTP and log in.
- Tap on “Loans” to see your active and pending loan accounts.