How to Check My All Loan Details by Pan Number?

If you’ve taken out a loan, you might be wondering how to keep track of all your details, especially when it comes to your PAN number. Fortunately, checking your active loans using your PAN is quite easy actually. Your PAN card serves as a unique identifier, allowing you to access all your loan information in one place. Whether you want to keep tabs on your loans, check your credit health, or even look out for any fraudulent activities, knowing how to use your PAN number always acts as an asset. In this guide, we’ll walk through the various methods you can use to check your active loans. Let’s start!

How to Check My All Loan Details by Pan Number?

Here are the ways to check your loan details using your PAN number:

1. Using Credit Bureau Services

   o, if you want to keep tabs on your loans and ensure everything is in order, one of the easiest ways to do that is by using credit bureau services. They basically compile all your financial information into a report, making it super handy for you to check your loans. Here’s how you can do it:

   • Check Your CIBIL Score

     • Head over to the CIBIL website.
     • Find ‘Get Free CIBIL Score & Report’ and click on it.
     • If it’s your first time, create an account by entering your personal details- name, PAN card number, and date of birth. Then, press ‘Continue’.
     • You’ll get an OTP on both your mobile number and email for verification. Enter this OTP to verify your account.
     • After verification, you’ll be taken to the main dashboard of your CIBIL account.
     • Here, you can see your CIBIL score, plus details on your employment, accounts, and more. You can even analyse your score and download the report, all for free!

   • Check Your Experian Score

     • Go to the Experian website and click ‘Get your Credit Report’.
     • Enter your mobile number and input the OTP you receive
     • On the next screen, provide details linked to your loan or credit account: Name, email address, date of birth, PAN card number, address, and PIN code.
     • Agree to Experian’s terms and conditions, then click on ‘Get Report’.
     • You’ll receive a detailed credit report, showing active loans and factors influencing your credit score.
     • Both Experian and CIBIL allow you to dispute any errors in the report if needed.

   • Equifax

     • Go to the Equifax website.
     • If you don’t already have an account, sign up. Otherwise, just log in.
     • Enter your personal information- name, address, PAN number, date of birth, etc.
     • Once you’re set-up, request a credit report. This report will give you a clear picture of your credit history, covering all your loans and credit accounts.

   • CRIF High Mark

     • Head to the CRIF High Mark site and start by entering your personal details.
     • For ID proof, you’ll need to pick one option: PAN card, Voter ID, Passport number, driving license, or Ration card.
     • Then, choose the type of credit report you want: a Free Credit Report, a Paid Report with a subscription plan, or a Paid Report without a credit score.
     • After that, they’ll ask you a few questions about your credit history to verify it’s really you.
     • Once you answer correctly, you’ll get your report either through your email or in your account dashboard.

2. Using Fintech Applications

   Fintech apps are becoming super popular in India, and they’re not just for making quick payments. You can actually use them to check your active loans, too. Here’s how to do it:

   1. Register: First, sign up as a user by entering your KYC details, like your bank account info and PAN number.
   2. Log In: Once you’ve confirmed your details, log into your account.
   3. Find the Loan Section: Look for the section dedicated to loans within the app.
   4. View Your Loans: You can then see all your active loan details and manage your account right there.

   Keep in mind that while the exact steps might vary a bit from app to app, this general process is pretty much the same across the board.

3. Reaching Out to Your Lender

   While lenders usually need more than just your PAN to verify your identity, knowing how to check your loan details can save you time and effort. Here’s how you can do it:

   • Net Banking or Mobile App

     This is usually the quickest way to check your active loans. Most lenders provide a user-friendly online platform. Here’s how to do it:

     • Sign up with your KYC details, which typically include your bank account information and PAN card.
     • Once you’ve registered, log into your account.
     • Navigate to the ‘Loans’ section, where you can see all your active loans and manage them accordingly.

   • Checking the Lender’s Website

     Some lenders allow you to view your active loans directly on their website, often without needing to log into net banking. You might need to register or create an account, using your PAN and other necessary details to access your loan information.

   • Contacting the Lender Directly

     If you prefer a more personal approach, you can always call or email your lender to ask about your active loans. Just give them with your PAN card number, name, or loan account number for verification. This method is very useful if you don’t have online access.

   • Checking Loan Statements

     Another straightforward way to find out your loan details is to look at your recent paper statements from each lender. These documents usually outline your current loan balance, payment due dates, and interest rates.

Importance of Checking Active Loans on Your PAN Card

Understand that keeping an eye on your active loans linked to your PAN card isn’t just about staying organised. It actually comes with some real perks. Here’s why it’s worth doing:

1. Maintaining Credit Health

   Checking your active loans is one of the easiest ways to stay on top of your credit health. When you know exactly what you owe, it’s easier to make smart choices, like deciding if taking on another loan is manageable or just too much. Regularly reviewing your credit report also helps you keep up with payments and maintain a strong credit score.

2. Spotting Any Fishy Loans

   Imagine finding out a loan has been taken out in your name – not great, right? Monitoring your loans through your PAN is a solid way to catch any shady loans linked to your account. If you ever see a loan you didn’t apply for, you can act quickly to report it and protect yourself from identity theft.

3. Planning Your Finances Like a Pro

   Knowing your loan details, like how much you owe or what’s left on your EMIs, can really help with planning your budget. You can keep track of your debt and avoid surprises, which means you’re better prepared for future goals like getting a personal loan or even saving for something big.

4. Making Sure Paid-Off Loans Show Up as Closed

   Sometimes, even after you’ve finished paying off a loan, lenders don’t always update it on your credit report right away. This can mess with your credit score and might cause problems when you apply for other loans. So, keep an eye on things, so you can confirm that all closed loans are marked correctly.

Protecting Your Finances by Monitoring Your PAN-linked Loans

Checking in on any active loans tied to your PAN card is more than just a formality. By reviewing your loan details regularly, whether through credit bureaus, fintech apps, or by directly reaching out to lenders, you’re staying on top of things. This simple routine will help you catch any suspicious activity early on, making sure your records are accurate, giving you a better grip on your overall financial health. It’s a small habit that will bring big benefits.

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