How to Check All My Loan Details – Quick Online Guide

Priya Mehra, a 34-year-old marketing executive from Pune, was shocked to discover a ₹1.8 lakh personal loan in her name that she never applied for. While applying for a home loan, her request was declined due to a poor CIBIL score. Upon checking, she found the fraudulent loan was taken using her PAN card details. She then learned to access her credit report and took steps to dispute the loan.

This blog aims to help people like Priya check all active loans in their name using PAN cards and credit reports, to avoid such fraudulent cases.

Why Should You Check Your Loan Details Regularly?

• Rising cases of PAN card misuse
• To maintain a healthy credit score
• To spot unauthorised loans or fraud
• Track repayment history and outstanding balances

Different Ways to Check Active Loans Using PAN Card

Check Loans via Credit Bureaus

Numerical Tip:
 

An average credit report includes 3–5 loan accounts and at least 12 months of repayment history, helping you identify any suspicious loans tied to your PAN.

Read More: Top 5 ‘Hidden’ Loan Perks Only High CIBIL Score Holders Get

How to Check Loan Details Using CIBIL Report?

Steps:

1. Visit: https://www.cibil.com/
2. Click “Get Free CIBIL Score & Report”
3. Enter PAN, name, DOB, and contact info
4. Enter the OTP sent to your phone/email
5. View your dashboard for all loan and account details

Sample CIBIL Dashboard Table:

Note: You can raise a dispute if incorrect loan data appears.

How to Check Using Experian?

Steps:

1. Visit: https://www.experian.in/
2. Click “Get Your Credit Report”
3. Enter your mobile number and get OTP
4. Enter details like PAN, email, address, and PIN
5. Agree to the terms and click “Get Report”

What You’ll See:

• All active loans
• Payment history
• Defaults if any
• Employment status

Example: Experian Score ranges from 300–900. A score of 750+ is considered healthy. Priya had a 624 score due to the unauthorised personal loan.

How to Check Loan Details Using Equifax?

Steps:

1. Visit: https://www.equifax.co.in/
2. Sign up or log in
3. Enter PAN card, DOB, and address
4. Request your report

Equifax Report Snapshot Table:

Example: Equifax allows one free report per year. You can purchase additional reports at ₹250–₹400 each.

How to Check Loan Details Using CRIF High Mark?

Steps:

1. Visit: https://www.crifhighmark.com/
2. Fill name, PAN/Voter ID/Passport, DOB, address
3. Choose:
   • Free Credit Report
   • Paid Report (₹399)
4. Answer 1–3 credit history questions
5. Receive the report via email and the dashboard

Report Features:

• List of current and past loans
• Repayment delays
• Borrowing limits
• Dispute section

Example: If Priya had 4 loans in the last 7 years, CRIF showed only 3. She raised a dispute about the missing loan through their customer support portal.

How to Check Loans Directly from Lenders?

Through Net Banking or a Mobile App

Learn More: HDFC Bank Loan Statement

• Log in to your bank or NBFC account
• Navigate to the “Loans” section
• View details including EMIs, tenure, and interest

Via Lender’s Website

Some banks like HDFC, Bajaj Finserv, and Kotak allow access to active loan information via their website portals using PAN and OTP authentication.

Contacting the Lender

• Call the customer care line
• Provide your PAN and name for verification

Loan Statements

Check your latest monthly or quarterly statements mailed by the lender.

Major Lender Helplines

Example: Priya used the ICICI mobile app to discover a valid education loan she forgot she had taken back in 2019, worth ₹3.2 lakh, still active with 6 EMIs pending.

Free Credit Check Apps:

Apps like OneScore, Paytm, and BankBazaar offer combined CIBIL and Experian reports.

Pros:

• Quick access
• User-friendly dashboards

Cons:

• Risk of data misuse
• May display outdated scores

Cautionary Tip:
 

Use only RBI-authorised platforms or apps listed on the bureaus’ websites.

What To Do If You Find an Unknown Loan in Your Name?

• Raise a dispute with the concerned credit bureau
• Contact the lender immediately
• File a complaint with the Cyber Crime Portal.
• Freeze your credit report temporarily if required

Example: After filing a report, Priya’s fake loan was marked as fraudulent within 12 business days and removed from her CIBIL score report.

Explore More: Simplify Your Finances with a Debt Consolidation Loan

Conclusion

PAN-based loan frauds are becoming alarmingly common. With multiple online platforms offering loan access in minutes, keeping track of your credit history and loan activity is more important than ever. Use official credit bureau websites and lender platforms to monitor your loan data, raise timely disputes, and protect your financial health.

FAQs:

Q1. Can I check my loan details using only my PAN card?
Yes, by pulling a credit report from bureaus like CIBIL, Experian, Equifax or CRIF.

Q2. Are credit reports free?
Yes, most bureaus offer one free report annually.

Q3. What if I find a loan I never took?
Immediately raise a dispute and report it to the lender and the cybercrime unit.

Q4. Do these platforms impact my credit score when checked?
No, when you check your credit score, it is a soft inquiry and doesn't impact your score.

Q5. Are mobile apps safe for checking loans?
Use only RBI-authorised apps and always verify data privacy policies.

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About the Author

LoansJagat Team

We are a team of writers, editors, and proofreaders with 15+ years of experience in the finance field. We are your personal finance gurus! But, we will explain everything in simplified language. Our aim is to make personal and business finance easier for you. While we help you upgrade your financial knowledge, why don't you read some of our blogs?