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Get a tab on all the ongoing loans in your name by following these key steps in your financial journey.
Avoid unnecessary money strain by checking up on your pending loans. (Representative Image)
Amid our busy lives with multiple professional and personal commitments, it becomes difficult to keep track of the exact number of loans and dues we’re dealing with. Even though one may be actively ensuring good repayment of a home or gold loan, the EMIs for a credit card purchase or some other expenditure could well slip their minds.
Also, in current times, individuals could be susceptible to identity theft cases and online lending. An unknown loan can have a serious negative impact on your credit score, which makes it necessary for you to revisit your credit reports on a semi-regular basis at least. You wouldn’t want to find yourself in a scenario where you can’t purchase a desired loan in the future or are forced to pay higher interest rates because your CIBIL score gives a bad outlook. Here is how you can figure out all the pending loans you’re currently signed up for.
Credit Report
Revisiting your credit report even once a year is an effective means to know the details of all the loans associated with your name. A credit report helps keep track of the list of your open and closed loans, as well as your credit card expenditures and overall repayment history. One can access this credit report via agencies such as CIBIL, Experian, Equifax, and CRIF High Mark.
Check Bank Account Alerts And SMS
Banks provide prior updates for EMIs and repayments of your active loans. Make sure to check your bank account details and keep an eye on the SMSs received from the bank, as that would ping you about any unknown or suspicious dues also. These messages can be helpful in overcoming any identity theft.
Online Banking And Loan Websites
Make sure to visit the official website of the bank or other financial entities from which you’ve availed the loans. Log in to your net banking account and access your loan status and other related information.
Bank Branch
If you’re still unsure and want some clarity over your credit reports, you can also visit the nearest branch of the bank which offered you a specific loan. The representatives inside will confirm whether the loan is actually linked to your identity or if there has been some mistake. Bring your bank and identity documents for an easier process.
Report The Dispute
If the bank confirms the case of identity theft and a loan taken out by unknown individuals in your name, do make sure to report it immediately to the credit bureau. One can also write to the concerned bank and file a complaint with the police for the next course of action.
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Delhi, India, India
February 19, 2026, 17:10 IST
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