Get A Lender Bank Pan: Quick And Easy Steps

If you're looking to get a tax exemption on your home loan, you'll need to file an Income Tax Return. This requires certain documents, including the PAN number of your bank. PAN, or Permanent Account Number, is a 10-digit number that incorporates numeric and alphabetical patterns to create a unique sequence. While it may not be easy to locate the correct PAN of your bank, it is essential for almost all financial transactions. You can find your bank's PAN number by checking a list of all banks and their PAN numbers, or by contacting the bank directly.

How to check active loans on a PAN card using CIBIL

Checking active loans on a PAN card is essential to safeguard yourself from identity theft and fraud. Here are the steps to check your active loans using CIBIL:

Step 1: Visit the CIBIL Website

Go to the official website of CIBIL.

Step 2: Click on "Get Your Credit Score"

On the CIBIL homepage, click on the "Get Your Credit Score" option, usually located at the top right of the page. This will take you to the credit score page.

Step 3: Choose a Subscription Method (if applicable)

If you are a new user, you may need to choose a subscription method before proceeding.

Step 4: Enter Your PAN Card Number and Other Details

You will be required to enter your PAN card number, email address, and other basic personal information, such as your name, date of birth, address, and mobile number.

Step 5: Verify Your Identity

CIBIL will likely send a one-time password (OTP) to your registered mobile number and email address for identity verification. Enter this OTP on the website to confirm your identity.

Step 6: Accept the Terms and Conditions

Before proceeding, you will need to acknowledge and accept CIBIL's terms and conditions.

Step 7: Proceed to Payment (if applicable)

If you are checking your CIBIL score for the first time, you may be redirected to a payment page. CIBIL may offer different plans, such as monthly or annual subscriptions. Choose the one that suits your needs and make the payment.

Step 8: Access Your CIBIL Report and Score

Once the payment is processed (if applicable), you will be able to access your CIBIL report and credit score. This report will contain detailed information about your active loans, credit history, repayment history, and other relevant financial information.

It is important to note that you can also check your CIBIL score and report through other credit bureaus, such as Experian, Equifax, and CRIF High Mark, or through third-party applications. However, CIBIL is one of the most prominent credit bureaus in India, and its report is widely recognised by lenders.

Additionally, remember to review your CIBIL report regularly to ensure there are no unauthorised loans or discrepancies. This proactive approach will help protect your financial identity and maintain a healthy credit score.

How to check active loans on a PAN card using Experian

Checking active loans on your PAN card is essential to monitor your credit health and ensure there are no fraudulent activities. Experian is one of the major credit bureaus operating in India, and you can use their services to check your active loans. Here's a step-by-step guide:

• Visit the Experian Website: Go to the official Experian website.
• Click "Get Your Credit Report": On the homepage, look for the option to get your credit report and click on it.
• Provide Your Mobile Number: On the next page, you will be asked to enter your mobile number.
• Enter the OTP: You will receive a one-time password (OTP) on the mobile number you provided. Enter this OTP on the website for verification.
• Provide Personal Details: After verifying your mobile number, you will need to provide personal details, including your name, email address, date of birth, PAN card number, address, and PIN code.
• Agree to the Terms and Conditions: Before generating your credit report, Experian will ask you to agree to their terms and conditions. Make sure to read these carefully before proceeding.
• Obtain Your Credit Report: Once you agree to the terms and conditions, click on the "Get Report" button. Your detailed credit report will be generated, which includes information about your active loans, credit cards, repayment history, credit score, and other relevant details.

By following these steps, you can easily check your active loans using Experian's services. This credit report will provide valuable insights into your credit health and help you identify any discrepancies or unauthorised loans taken in your name. Remember to review your credit report regularly to maintain financial vigilance and protect yourself from fraud.

How to check active loans on a PAN card using Equifax

Step 1: Visit the Equifax website.

Step 2: If you are a new user, create an account by entering your personal details such as your name, address, PAN card number, and date of birth. If you are an existing user, log in with your credentials.

Step 3: Provide personal details such as your name, address, PAN card number, and date of birth.

Step 4: Request a credit report that contains your credit history, including information about your loans and credit accounts.

Step 5: The credit report will show information about your loans, such as their status, outstanding balances, payment history, and other relevant details.

Note: Equifax provides credit reports based on your credit history, which may not be directly linked to your PAN card. The loans listed in the credit report may be associated with your name, address, or other personal details provided to financial institutions.

By regularly checking your active loans using your PAN card, you can monitor your financial health, ensure accurate records, and protect yourself from potential fraud. It is recommended to check your loan details at least annually or whenever considering new financial commitments.

How to check active loans on a PAN card using CRIF High Mark

CRIF High Mark is one of India's leading credit information companies, providing credit reports and microfinance services to several industries. To check active loans on a PAN card using CRIF High Mark, follow these steps:

• Visit the CRIF High Mark website: Go to the official website to access credit reports.
• Request a credit report: Find and fill out the form for individuals to request your credit report using your PAN card number.
• Choose your report type: Select from the following options: Free Credit Report, Paid Report (through subscription plans), or Paid Report (excluding score).
• Confirm your identity: Respond to several queries related to your credit history to authenticate your identity.
• Receive your report: Upon correctly answering one of the questions, your credit report will be delivered to your registered email address and will also be accessible from your account dashboard.

Reviewing your credit report is essential to ensure accuracy and understand your creditworthiness. It is recommended to check your credit report at least once a year to stay updated on your financial obligations and protect yourself from potential fraud.

How to check active loans on a PAN card directly with the lender

It is important to regularly check the status of your active loans to monitor your credit health, ensure accurate records, and protect yourself from fraud. Here are some ways to check active loans on a PAN card directly with the lender:

Net Banking or Mobile App

Most lenders offer online platforms where you can log in with your credentials and view your active loans. Here are the steps to follow:

• Sign up using your KYC details, such as your bank account information and PAN.
• Confirm your credentials and log into your account.
• Go to the 'Loans' section to check and manage your active loans.

Checking the Lender's Website

Some lenders allow you to view active loans on their website without logging into online banking. You may need to register or create an account using your PAN card and other personal details.

Contacting the Lender Directly

You can call or email the lender to inquire about your active loans. Provide your PAN card number, name, or loan account number for verification. This option may be helpful if you don't have online access.

Checking Loan Statements

Review your recent paper statements from each lender. These typically include details about your current loan balance, payment due date, interest rate, and other relevant information.

Frequently asked questions