How to Check Active Loans Under Your Name
In today’s digital age, financial fraud and identity theft are on the rise. Many individuals are shocked to discover loans running under their names without ever applying for one. Whether you’re applying for a new loan or simply want to ensure your financial records are accurate, it’s important to check for any active loans in your name.
Here are 5 simple and effective ways to check for active loans under your name:
1. Check Your Credit Report from Credit Bureaus
One of the most reliable methods to verify any loan activity under your name is by checking your credit report. Credit bureaus like:
- CIBIL (TransUnion CIBIL)
- Experian
- Equifax
- CRIF High Mark
These agencies maintain detailed credit records for every individual. Your credit report will show:
- Active and closed loans
- Credit card accounts
- EMI history
- Overdue payments
- Settlement remarks or disputes
💡 Tip: You are entitled to one free credit report per bureau per year. Make sure to download it and verify every loan account listed.
2. Use Account Aggregator Platforms
The Account Aggregator (AA) framework, regulated by RBI, allows you to access all your financial data from multiple institutions in one place. Some popular AA platforms are:
- Anumati
- OneMoney
- CAMS FinServ
- Finvu
These platforms help you securely view your loans, bank accounts, mutual funds, and more under a single dashboard, making it easy to track all loan relationships linked to your PAN.
3. PAN-Based Loan Lookup with Banks/NBFCs
Several banks and financial institutions provide a loan lookup feature using your PAN number. If you suspect that a loan has been taken fraudulently using your PAN, you can use this service to check if any loan is linked to your PAN card.
This feature is usually available on the official websites or branches of banks and NBFCs.
4. Use Financial Apps and Marketplaces
Fintech apps and loan marketplaces such as:
- Paytm
- Paisabazaar
- BankBazaar
offer free credit score and credit report services. Once you sign in and verify your identity, you can see a detailed breakdown of your credit history, including active loans, EMI dues, and credit inquiries.
These platforms are easy to use and often provide personalized insights into your financial health.
5. Raise a Dispute If You Spot an Unknown Loan
If you come across a loan or credit account you don’t recognize, it could be a case of identity theft or an error by a lender. In such cases, you must:
- Immediately raise a dispute with the concerned credit bureau.
- Contact the lender/financial institution reporting the loan.
- Provide supporting documents like identity proof, PAN, Aadhaar, and address proof.
- Track the resolution process and request a correction in your credit report.
Taking timely action is crucial to protect your credit score and prevent financial losses.
Final Thoughts
Checking for active loans under your name is no longer a complicated task. With the help of credit bureaus, financial apps, account aggregators, and PAN-based verification, you can easily stay informed and protected.
👉 Make it a habit to review your credit report at least twice a year.
It’s a simple step that can help you detect fraud early, maintain a good credit score, and secure your financial future.
Also Read:
- [How to Improve Your CIBIL Score Fast – Proven Tips]
- [Top 10 Reasons Why Your Loan Application Gets Rejected]
- [How to Dispute Errors in Your Credit Report – Step-by-Step Guide]
