If you want to know the details of all your loans, whether you are keeping track of an existing loan or suspecting fraud, whatever the reason, we will tell you an easy and reliable way to check all your loan details. This will allow you to access all your loan information quickly and efficiently using your PAN card in various ways.
Why checking loan details is important
PAN card (Permanent Account Number) is a unique identification card used for financial transactions in India. All loans linked to your name are usually recorded on your PAN card. Loans taken on your PAN card should be monitored, following are the main reasons to monitor your loans:
- To keep track of the outstanding loan amount.
- To ensure timely repayment and maintain good credit health.
- To detect any fraudulent loans taken in your name.
How to Check My All Loan Details
There are many ways to check loan details, let us look at them one by one.
1. How to check my all loan details through credit bureaus
The simplest way to access your loan information is through the four major credit bureaus in India- CIBIL, Experian, Equifax and CRIF High Mark. These bureaus track your credit history and provide detailed reports that include loan information.
A. Check your loan details using CIBIL
CIBIL (now TransUnion CIBIL) is one of the most trusted credit bureaus in India. Follow these steps to get your loan details:
- Visit the official CIBIL website.
- Click on “Get Free CIBIL Score and Report”.
- If you are a new user, create an account using your personal details like email, PAN card number, mobile number etc.
- Complete the OTP verification process.
- Access the main dashboard to view your CIBIL score and loan information. Your credit report will display all active loans, repayment history, and more.
B. Check your loan details using Experian
- Experian is another major credit bureau. To check your loan details:
- Visit the Experian website and click on “Get your credit report.”
- Enter your mobile number and complete the OTP verification.
- Provide details such as PAN card number, email address, and address.
- Accept the terms and conditions, then press “Get report.”
- View all your active loans along with their repayment status.
C. Check your loan details using Equifax
- Equifax offers one free credit report per year. Follow these steps to access it:
- Visit the Equifax website.
- Register or log in if you already have an account.
- Enter details such as your name, PAN card number and address.
- Request your credit report to see details of all loans associated with your credit history.
D. Check your loan details using CRIF High Mark
- CRIF High Mark provides a detailed credit report that includes loan details:
- Visit the CRIF High Mark website.
- Fill in your full name, mobile number, email ID and PAN card.
- Choose between a free or paid credit report.
- Answer security questions to verify your identity and receive the report.
2. How to check my all loan details through lenders
Apart from credit bureaus, you can also contact lenders directly to check your loan information.
A. Using a mobile app
Most lenders have mobile apps, where you can log in to check your loan details. Download the app from your lender, create an account, and access your loan information easily.
B. Using Net Banking
You can check your loan details by logging into your lender’s net banking portal. If you haven’t registered yet, create a new net banking account, and you’ll be able to see all your loans under your account section.
C. Visiting the lender’s website
Some lenders allow you to view loan information without logging into net banking. Visit their official website, enter your PAN number or loan account details, and get your loan status.
D. Contacting the lender directly
If you prefer a more traditional approach, you can contact your lender’s customer service. Provide your PAN card number or loan account details, and they’ll give you the information you need.
3. Checking loan statements
Your loan statement is another valuable document that contains the following details about your loan
- Current loan balance
- Interest rate
- Payment due date
You can ask for your loan statement from your lender via email or download it from the lender’s app or website.
Importance of checking loan statements regularly
It is important to check your loan statements regularly to avoid any surprises such as missed payments or fraudulent activities. Regular monitoring can help you maintain good credit health and ensure accurate financial records.
Conclusion
Keeping track of your loan details is vital for good financial management and credit health. By following the methods mentioned in this guide, you can easily check all your loan details, ensure accuracy, and avoid fraud. Regularly reviewing your loan details enables you to make informed financial decisions and maintain a healthy credit score.
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How can I check all my loan details with PAN number?
You can check all the loan details linked to your PAN by accessing your credit report through CIBIL, Experian, Equifax, or CRIF High Mark. These reports will give you an idea of your loan balance and your loan history.
How to find out if someone has used my PAN for fraudulent loans?
By checking your credit report regularly, you can identify any unauthorized loans. This is why it is important to monitor your credit score and report frequently.
How can I check active loans in my name online?
Log into a credit bureau like CIBIL or Experian, request your credit report and check the section that lists your active loans.
What should I do if I find discrepancies in my loan details?
If you find any errors in your loan details, contact the credit bureau or lender to resolve the issue.
Can my PAN be misused to avail a loan?
Yes, fraudsters can misuse your PAN card to avail a loan, especially through instant loan apps. Always keep your PAN card details safe.