Check Active Loans on PAN Card

To check if there is an active loan linked to your PAN (Permanent Account Number), you can follow these steps:

1. Check Your Credit Report (CIBIL/Experian/CRIF High Mark/Equifax)

Your PAN is linked to all your loans and credit cards. You can check your credit report to see active loans:

• Visit CIBIL, Experian, CRIF High Mark, or Equifax (authorized credit bureaus in India).

• CIBIL Website: https://www.cibil.com

• Experian: https://www.experian.in

• Request a free credit report once a year or purchase one if needed.

• Your credit report will show all active loans, credit cards, and their status.

2. Check with Banks/NBFCs Where You Have Taken Loans

• Contact your bank or financial institution where you have taken a loan.

• Provide your PAN and ask for loan details.

3. Check Income Tax Portal (For Home Loan Interest Claims)

• If you have a home loan, you might have claimed tax benefits under Section 80C (principal repayment) and Section 24 (interest payment).

• Log in to the Income Tax e-Filing Portal (https://www.incometax.gov.in) → Check Form 26AS or your ITR for loan-related deductions.

4. Check NSDL/UTITSL PAN Details (Limited Use)

• PAN itself does not store loan details, but you can verify if your PAN is misused.

• Visit NSDL PAN (https://www.onlineservices.nsdl.com) or UTITSL (https://www.utiitsl.com) to check basic PAN details.

5. Look for Loan Statements & EMI Notifications

• Check your bank statements or SMS/email alerts for active EMIs.

• If you see regular debits, it could indicate an active loan.

What If There’s an Unknown Loan on Your PAN?

• Dispute it with the credit bureau (CIBIL/Experian).

• File a complaint with the bank/NBFC that issued the loan.

• Report to RBI (https://rbi.org.in) if unresolved.

Would you like help checking your CIBIL score or understanding your credit report? Let me know!