How to check all loans in your name, and spot one that is not yours.

The accounts section of your four credit reports is the list. How to read it, and what to do next.

Four free reportsNo PAN shortcutNovember 2026

Harish Krishnamurthy

Co-founder, Kenstone Credit Solutions LLP

Wrote this guide

Four reports

Together, the only complete list of loans in your name

Written by Harish Krishnamurthy, Co-founderReviewed & updated November 20264 min readReviewed by Vaidhehi P, Sr. Credit Analyst

4.9★ · 500+ Google reviews45 documented cases with client evidence10 walk-in officesFixed, published pricing

Key takeaways

The list of loans in your name is your credit report. Its accounts section shows every loan and card lenders have reported against your identity, open or closed.
Take all four reports, CIBIL, Experian, Equifax and CRIF High Mark. Each bureau owes you one free full report a year, and a lender may report to one before another.
There is no official search-by-PAN list of loans. PAN is the identifier lenders report under; you see the accounts after verifying your identity with the bureau.
An account you do not recognise is not a debt to pay. It is an ownership dispute: the lender must show the agreement and the KYC, and a wrong account is corrected at source.

How to get the four free reports is in how to check your CIBIL score free →. If you have already found an account that is not yours, go to loan not mine on CIBIL →.

The short answer

How to check all loans in your name: read the accounts section of your credit report, at all four bureaus. Every bank, NBFC and card issuer must report each credit account it holds against your identity, so the reports together are the only complete list, and the only place a loan you never took will appear. There is no separate official portal that lists loans by PAN, and no app can show you more than a bureau holds.

Step by step.

Request your free full report from each bureau and complete its identity checks. One free report from each bureau every calendar year is your right under the RBI's directions.
Open the accounts section. Each entry shows the lender, the type of account, the date opened, the sanctioned amount or limit, the current balance, the status, and a month-by-month payment record.
Mark every account as yours and open, yours and closed, or not recognised. Check the ownership field too: single, joint, or guarantor.
Open the enquiries section. An enquiry from a lender you never applied to is the early sign of an application made in your name.
Repeat for all four bureaus. The same loan should appear on each; one that shows on only one report, or differently on two, is worth a closer look.

What you will find

Active, closed, and the ones that should not be there.

An active loan shows a balance and a running payment record. A closed loan stays on the report as history, marked Closed with a zero balance, and that is correct. Three things are not: a loan you repaid still shown as active or with a balance; a loan you only guaranteed shown as your own; and an account you never opened. The first two are reporting gaps the lender must close. The third is the serious one, and it is more common than people expect: in our published cases, four of five loans on one client's report were not his, and someone else's loan sat on another client's report for over ten years.

By PAN?

"Check loan on PAN card": what PAN does and does not do.

Lenders report your accounts under your PAN and other identifiers, which is why the search is phrased that way. But PAN is a key, not a login. A bureau shows you a report only after it has verified that you are the person the file belongs to, and typing a PAN into a website does not establish that. Be wary of any site or app that offers to list loans from a PAN alone, and never share an OTP or a bureau login to get a "loan check". If the same PAN has been attached to another person's accounts, the fix is a correction at the lender; a documented case of accounts under a duplicated PAN shows how that ran.

If one is not yours

A loan you never took: do not pay it, dispute it.

Paying an account you do not recognise treats it as yours. Write to the lender that reported it and ask for the loan agreement and the KYC documents it holds; raise the dispute with each bureau that shows the account; and if nothing moves within 30 days, escalate to the lender's nodal officer and then to the RBI Ombudsman. When the lender cannot produce the documents, the account comes off. The full route is in loan not mine on CIBIL and how to raise a CIBIL dispute; if you would rather have it handled, that is the work of CIBIL correction.

What the report cannot show

The limits of the list.

A credit report lists what regulated lenders report. It does not show money borrowed from family or an informal lender, and it may not show a loan from an app whose lender is unregulated and reports to no bureau. It can also lag: a loan opened this week appears after the lender's next file, which since 1 July 2026 goes to the bureaus as of four dates a month. For a loan you know you hold and cannot find, ask the lender which bureaus it reports to.

Documented cases

Documented on this topic.

Real cases from our files, published with the clients' consent. Every case depends on its facts; none is a promise of the same result.

Sources & regulation

Where these claims come from.

Claim in this guide	Source
Lenders must report every credit account; one free full report from each bureau every calendar year; correction at source; the 30-day window	RBI Master Direction — Credit Information Reporting, 2025
Reporting as of four dates a month from 1 July 2026	RBI — Amendment Directions, 4 December 2025
Every case outcome quoted	The case pages linked above, published with written client consent
The right to an accurate record	Credit Information Companies (Regulation) Act, 2005

Quick answers

Answered first.

How do I check all loans in my name?

Take your credit report from each of the four bureaus, CIBIL, Experian, Equifax and CRIF High Mark. The accounts section of each report lists every loan and credit card that lenders have reported against your identity, open or closed. Each bureau owes you one free full report a year. Check all four, because a lender may report an account to one bureau before another.

How can I check active loans on my PAN card?

There is no official search-by-PAN list of loans. Your PAN is the identifier lenders report under, so the practical route is your own credit report, which you get after verifying your identity with the bureau. Entering someone else's PAN does not give you the right to see their report.

How do I know if someone has taken a loan in my name?

Read the accounts and enquiries sections of all four reports. An account you do not recognise, or an enquiry from a lender you never applied to, is the sign. Write to that lender asking for the agreement and the KYC it holds, raise the dispute with the bureau alongside, and escalate after 30 days if nothing moves.

Can I check my loan details without a credit report?

Only one lender at a time: each lender's statement or app shows the loans you hold with it. The credit report is the only place where accounts from all reporting lenders appear together, and the only place a loan you never took will show up.

Why does a loan I closed still show on my report?

Closed accounts stay on the report as history, marked Closed with a zero balance. That is correct. What is not correct is a closed loan still shown as active or with a balance; that is a reporting gap the lender must fix, and your closure letter is the evidence.

Does checking my loans this way reduce my CIBIL score?

No. Asking for your own report is a consumer enquiry and does not lower the score. Only enquiries lenders make when you apply for credit are read as credit-seeking.

Do all loans appear on a credit report?

Loans from banks, NBFCs and card issuers that report to the bureaus appear. Money borrowed informally, and loans from an unregulated app that does not report to any bureau, do not. A loan you guaranteed appears on your report as a guarantor account.