PAN card loan check: Is Someone Using Your PAN for a Fake Loan? Here's How to Check Online and Stay Safe

In recent years, the misuse of PAN cards for fraudulent loans has seen a troubling rise. Imagine receiving a call from a recovery agent about a loan you never applied for — a nightmare that’s becoming a reality for many unsuspecting individuals. If your PAN (Permanent Account Number) has been used to secure a loan without your knowledge, it can damage not just your finances, but also your credit profile. Fortunately, there's a way to stay ahead of such frauds.

In this article, we’ll explain how to check if any loan has been issued in your name using your PAN, what steps to take if you find suspicious activity, and how to protect your credit standing.

🔍 Why Is PAN-Based Loan Fraud Dangerous?

PAN cards are essential for all financial transactions in India, including loan approvals. When misused, fraudsters can obtain loans using someone else's PAN — often without any face-to-face verification. If the borrowed money isn’t repaid, the legitimate PAN holder may face:

• Damaged credit scores

• Harassment by loan recovery agents

• Ineligibility for genuine loans in the future

Hence, it’s crucial to keep a regular check on your credit profile using your PAN.

✅ How to Check Active Loans Linked to Your PAN

There are several trusted methods to find out if a loan is active under your PAN. Here's how to do it:

1. Check Credit Reports via Reputed Bureaus

You can check your credit report on platforms such as:

• CIBIL (www.cibil.com)

• Experian (www.experian.in)

• Equifax (www.equifax.co.in)

Steps:

• Visit the official website of any credit bureau.

• Choose the free credit score option.

• Enter your PAN, date of birth, and mobile number.

• Verify with OTP and log in (register if you are a first-time user).

• Download your credit report.

Your report will show:

• Active loans

• Outstanding balances

• Loan approval dates

• Payment defaults (if any)

2. Via Net Banking or Bank Apps

Many banks allow customers to view loan and PAN-related credit data through their mobile apps or net banking portals. Simply log in and look for loan or credit report sections.

3. Direct Check on Lender Websites

If you suspect a particular NBFC or bank, visit their site or app. Use your PAN to log in or initiate a credit check to verify any active loans under your name.

4. SMS & Call Services

Some banks and credit monitoring services offer SMS or phone-based services to check PAN-linked loans. Contact your bank to know if such a facility is available.

💳 How to Check Loan Activity on CIBIL or Experian

For CIBIL:

• Visit www.cibil.com

• Click “Get Your CIBIL Score”

• Fill in your PAN, name, DOB, and mobile number

• Log in or sign up

• Download your credit report from the dashboard

For Experian:

• Go to the official Experian portal

• Enter your PAN and date of birth

• Complete OTP verification

• View your Experian credit score and loan report instantly

🚨 What to Do If You Spot a Fake Loan?

If you find any unauthorized loan in your credit report, act immediately:

Step 1: Report to the Lender

• Send a written complaint (via email or letter) to the financial institution that issued the loan.

• Clearly mention that you never applied for the loan or completed any KYC process.

• Request copies of the KYC documents used to verify the fraudulent loan application.

Step 2: File a Cybercrime Complaint

• Visit the National Cybercrime Reporting Portal

• Register your complaint under financial fraud or identity theft category.

Step 3: Notify TIN-NSDL or Protean eGov

• Go to their official customer care portal and file a complaint about PAN misuse under the “Complaints/Queries” section.

🛡️ Stay Safe: Tips to Prevent PAN Misuse

• Never share your PAN photocopy without purpose; strike out unused sections and write the purpose.

• Monitor your credit report every few months.

• Use secure, official portals for any KYC or loan applications.

• Set up alerts for your PAN on credit bureau websites to receive notifications about new loan activity.

📌 Final Thoughts

In an increasingly digital world, protecting your PAN is as important as securing your bank account. Regularly checking your credit reports and understanding how to report fraud can save you from long-term financial damage. Take action today — your PAN card holds more power than you think.