So many people forget to pay their loan installments, and a common reason behind that is not being aware of the details. Nevertheless, it can lead to financial mismanagement and credit score damage.

But don’t worry; there’s an easy way to check all the loan details; that is, the PAN card. Linking your Permanent Account Number (PAN) to loans ensures centralized access to credit details across banks and NBFCs.

So whether you have opted for a home loan or an unsecured business or personal loan, see how you can check all loan details by PAN number. Let’s begin with the easy process, via CIBIL score.

How to Check the CIBIL Score?

Your CIBIL score is a crucial three-digit number (ranging from 300 to 900) that lenders use to assess your creditworthiness. A higher score (750+) improves loan and credit card approval chances. But of course, you can also get loans with a bad credit score.

You can check it via the official CIBIL website, CIBIL or RBI-approved portals, and through other financial platforms.

Here’s how you check the credit score via CIBIL.

  1. Visit CIBIL’s official website.
  2. Click on “Get Your Free CIBIL Score & Report.”
  3. Enter the personal details (Name, PAN, Date of Birth, Mobile Number)
  4. Verify identity via OTP and answer security questions.
  5. View and download your CIBIL report.

There are other ways to check the credit report for free:

  • Via Credit Information Companies (CICs) like Experian, Equifax, etc.
  • Via banks and credit card providers.
  • Via other financial platforms like Paytm, PaisaBazaar, etc.

Checking your own CIBIL score is considered a “soft inquiry” and does not negatively impact your credit score.

After you have the credit report, you can check the active loans on a PAN card as well. It’s an effective method.

How to Check All Loan Details By PAN Number? (Via Credit Report)

Since PAN is mandatory for loans above ₹50,000, your credit report will display all linked loans. So you can visit the CIBIL official website and click ‘Get Your Free CIBIL Score & Report’ (one free report per year).

Then enter the details like PAN, name, date of birth, and mobile number to access the credit report.

One you have access to your credit report, look for:

  • Active Loans (Open accounts with outstanding balances)
  • Closed Loans (Fully repaid but still on record)
  • Repayment History (EMIs paid/missed)
  • Loan Types (Personal, Home, Car, Gold, etc.)
  • Lender Names (Banks/NBFCs where loans are taken)

The report will also provide you with a comprehensive set of information. That includes date of disbursement, loan amount, outstanding balance, repayment history, and current status.

How to Check All Loan Details By PAN Number? (Via the Lenders)

Again, since PAN is mandatory for loans, lenders maintain records of all your borrowings. So they can provide you with the loan details; it doesn’t matter if you have taken an unsecured business loan or personal loan.

Via Net Banking/Mobile App

  • Log in to your bank’s net banking portal (e.g., SBI, HDFC, ICICI).
  • Go to the “Loans” or “Accounts” section.
  • Check active loans, EMIs, and repayment schedules.

Via Customer Care

  • Call the bank’s toll-free number.
  • Provide your PAN, registered mobile number, and customer ID for verification.
  • Request a list of all loans linked to your PAN.

Visit the Bank Branch

  • Submit a written request with PAN and ID proof.
  • The bank will provide a loan statement.

You can also connect with the bank (or other lender) if you think someone has taken a loan fraudulently in your name. Then submit a PAN-based loan inquiry request. But that may require a written application.

FAQs on Checking All Loan Details By PAN

Is it safe to provide my PAN number to check my loan details?

Yes, it is safe when using official platforms like CIBIL, bank portals, or RBI-approved credit bureaus. Avoid sharing your PAN on unverified websites.

Is it safe to provide my PAN number to check my loan details?

Yes, you can access your credit report for free once a year from CIBIL, Experian, Equifax, or CRIF High Mark. Some banks also provide free loan summaries.

How often should I check my loan details?

Review your loan details at least once every 6 months to monitor repayments, detect errors, or prevent fraud.

What should I do if I find incorrect loan information in my credit report?

Immediately raise a dispute with the credit bureau (CIBIL/Experian) and contact the concerned lender to rectify the error. If unresolved, escalate to the RBI Banking Ombudsman.

Final Thoughts

Keeping track of your loans is essential for maintaining financial health and avoiding surprises. By using your PAN number, you can easily access all your loan details through credit reports, bank portals, or direct lender inquiries.

Regularly monitoring your borrowings helps you stay on top of repayments, detect errors, and prevent fraud. Whether you check via CIBIL, bank statements, or lender verification, staying informed ensures better credit management.

Make it a habit to review your loan details periodically. And if your credit score is good to go, connect with Nihal Fintech for the affordable loans today!