How to Check Active Loan on PAN Card 2024

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How to Check Active Loan on PAN Card

How to Check Active Loan on PAN Card

How to Check Active Loan on PAN Card: As individuals, we often rely on loans to meet our financial needs. Whether it’s for purchasing a house, buying a car, or funding an education, loans play a significant role in fulfilling our aspirations. However, keeping track of our loans and ensuring timely repayments is essential to maintain a good credit score and financial well-being. In this article, we will guide you through the process of checking active loans on your PAN card, providing you with the necessary information to stay informed about your financial obligations.


When it comes to managing our finances, it is crucial to have a clear understanding of our loan obligations. This includes knowing the details of our active loans, such as the loan amount, interest rate, repayment schedule, and outstanding balance. By staying informed about our loans, we can make better financial decisions and ensure timely repayments, thereby avoiding penalties and maintaining a healthy credit history.

2. Understanding PAN Card

The Permanent Account Number (PAN) card is a unique identification number issued by the Income Tax Department of India. It serves as a crucial document for various financial and non-financial transactions. PAN card holders can link their loans and other financial activities to their PAN, making it easier to track and monitor their financial obligations.

3. Importance of Checking Active Loans

Checking if a loan has been disbursed under your PAN card is important for several reasons:

  • Financial Awareness: By knowing if a loan has been disbursed, you can stay informed about your financial commitments and plan your finances accordingly.
  • Accurate Record-Keeping: Verifying loan disbursal helps in maintaining accurate financial records, enabling you to reconcile your loan obligations.
  • Timely Actions: If a loan has not been disbursed as expected, you can take immediate action by contacting the lender to resolve any issues.

Checking Loan Disbursal Using Your Credit Report

One of the simplest ways to check if a loan has been disbursed under your PAN card is by reviewing your credit report. Here’s how you can do it:

1. Obtain a Copy of Your Credit Report

To start the process, obtain a copy of your credit report from one of the credit bureaus in India, such as CIBIL, Experian, Equifax, or CRIF High Mark. You can request a copy online by visiting their respective websites.

2. Review the Loan Section

Once you have your credit report, carefully review the loan section. This section provides detailed information about your existing loans, including the disbursed amounts and outstanding balances.

3. Check for Loan Disbursal Information

Within the loan section of your credit report, look for the loan that you applied for. Verify if the loan has been disbursed by checking the disbursal date mentioned. If the loan has been disbursed, you will also find information about the disbursed amount.

Other Methods to Verify Loan Disbursal

While checking your credit report is a reliable method, there are other ways to verify loan disbursal:

  • Contact the Lender: Reach out to the lender directly and inquire about the status of the loan disbursal. Provide them with your loan application details and PAN card information for reference.
  • Online Account Access: If you have an online account with the lender, log in to check the loan status. Look for any updates indicating loan disbursal.
  • Loan Disbursal Notification: Some lenders may send a notification or email confirming the disbursal of the loan. Check your email inbox or message folder for such notifications.


Can I check loan disbursal using my PAN card only?

No, loan disbursal information is not directly available through your PAN card. You need to refer to your credit report or contact the lender to obtain the loan disbursal details.

How frequently should I check if a loan has been disbursed?

It is recommended to check the loan disbursal status soon after the loan application process is complete. Additionally, monitor your credit report periodically to stay updated on any changes or updates regarding your loans.

What if the loan disbursal information in my credit report is incorrect?

If you notice any discrepancies in the loan disbursal information on your credit report, promptly contact the credit bureau and the lender to rectify the errors. Provide them with the necessary documentation to support your claim.

Can I access my credit report for free?

Yes, you are entitled to receive one free credit report per year from each credit bureau in India. Visit their websites or contact them directly to request your free annual credit report.

How long does it take for a loan to be disbursed?

The time taken for loan disbursal can vary depending on the lender and the type of loan. It is advisable to contact the lender directly to inquire about the expected disbursal timeline for your specific loan application.

How to Check Active Loan on PAN Card


Checking if a loan has been disbursed under your PAN card is essential for maintaining financial awareness and managing your loan obligations effectively. By reviewing your credit report or utilizing other methods mentioned, you can easily verify the disbursal status of your loan. Remember to stay proactive and reach out to the lender if you encounter any discrepancies or delays in the loan disbursal process.

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