How to Check your CIBIL score With PAN Card Number?
If you are looking to check your own credit score, you will need certain basic details along with the PAN Card Number. This score is calculated on the basis of their credit history which also includes any active loans and credit cards.
CIBIL provides free credit scores for everyone who has a credit card. With CIBIL's official website, one can get an accurate and up to date CIBIL score. You can use your PAN card number to check your CIBIL score as well. A PAN card is a government approved identity proof document linked to your financial instruments and tax payments.
Why Is a PAN Card Required to Check Your CIBIL Score?
PAN acts as a unique identifier across banks and credit institutions. It is the most reliable way to match your financial records, which is required when checking your CIBIL score using a PAN.
- It enables the system to retrieve your credit history accurately without duplication or errors.
- Helps banks access consistent and verified information when assessing your credit profile if PAN is linked with all financial accounts.
- Helps to maintain a well-tracked and transparent credit history, making it easier for lenders to evaluate your financial reliability.
PAN also helps to:
- Reduce profile mismatches across financial institutions.
- Ensure timely updates to your credit records.
- Provide a detailed and organised view of your borrowing history.
How can I Check my CIBIL Score using my PAN Card?
You can check your CIBIL score for free by providing your PAN card details along with basic information such as your registered mobile number, date of birth, PIN code, and email address. This can be done quickly and without affecting your credit score.
Steps to check your CIBIL Score by using the PAN Card:
Follow the steps mentioned below to check your CIBIL score by using the PAN card -
- Step 1: Visit the Official CIBIL Website or an authorised platform.
- Step 2: Locate the option to check your credit score.
- Step 3: Provide your valid PAN card number as part of the identity verification.
- Step 4: Enter basic information such as your mobile number, email address, date of birth, and gender.
- Step 5: Complete the CAPTCHA to verify you're a real person.
- Step 6: Acknowledge the terms and conditions of using the platform.
- Step 7: After entering all details, submit the form for verification. You may need to authenticate via OTP (One-Time Password).
- Step 8: Once verified, your CIBIL score will be displayed on the screen. You can also sign up for regular updates.
If you had checked your CIBIL Score/CIR earlier, you could use your e-mail ID and password to access the existing information. If you are checking the credit information for the first time, the website will redirect you to the payment page. Once you make the payment, you can choose the mode of delivery of the score and the report. You can get a physical copy of the report mailed to your address through postal or you can choose to receive an electronic copy via an email.
If you do not have a PAN Card number, you can use your basic personal details such as Name, Date of Birth, Identity Proof number of another document, Address, and telephone number to request for the CIBIL Score.
Why do we need PAN Card details to check the CIBIL Score?
The following are the details why PAN card details is required to check the CIBIL score:
- PAN is a unique identifier that links all financial and credit activities.
- Mandatory for credit card and loan applications.
- Tracks credit behaviour and help bureaus compile your credit history.
- Reduces chances of duplicate identities in credit records.
- Easy access to reports that enables quick retrieval of your credit score.
Effect of PAN Card Change on CIBIL Score
The effect of PAN Card change on CIBIL score are listed below:
- No impact if updated correctly with credit bureaus.
- If the old PAN is not linked, credit history may be lost.
- Possible report errors due to mismatched records.
- Loan approvals may be affected.
- To maintain accurate credit records, update PAN with bureaus.
Issuance of a New PAN Card
The details about issuance of new PAN Card are listed below:
- Your PAN links all your financial and credit transactions with bureaus like TransUnion CIBIL.
- A PAN is a unique number issued once and valid for life.
- Individuals should hold only one PAN for all financial activities.
- If you already have a PAN, you should not apply for a new one.
- If your PAN card is lost, apply for a duplicate copy instead of a new PAN.
- If multiple PANs are issued accidentally, surrender the extra PAN immediately and link your Aadhaar with the primary PAN.
Issuance of Duplicate PAN Card
The details about issuance of duplicate PAN Card are listed below:
- Applying for a duplicate PAN card does not affect your CIBIL score if your PAN card is lost or stolen.
- Your PAN number remains the same, and all previous records and details linked to it stay unchanged.
- You can also request an e-PAN card through NSDL or UTIITSL in case your PAN card is lost.
- To avoid possible penalties or legal action in the future, it is advisable to surrender one of the PAN cards in case you have two different PAN cards.
What are the Common PAN Issues and Impact on CIBIL?
The common PAN issues and its impact on CIBIL are given in the table below:
PAN Issue | Possible Impact on CIBIL |
Wrong PAN is linked to a loan | Wrong or missing credit entry |
PAN details not updated in bank records | Delay in update of score |
After name change, mismatch in PAN | Incomplete CIBIL report |
Two different PANs assigned | Severe credit confusion |
How to Deal with PAN-Related Problems in Your CIBIL Report?
If you have recently updated your PAN or corrected any errors, take the following steps to ensure your credit report remains accurate.
- Inform all financial institutions about your updated PAN.
- Raise a dispute with CIBIL, if any accounts are missing or incorrectly linked.
- Submit a correction request through the CIBIL website.
- Check if your PAN is linked with Aadhaar, as an unlinked PAN may become inactive, which can affect financial transactions.
- Verify consistency in personal details, as minor mistakes or incorrect dates create mismatches in credit bureau records.
- Surrender the duplicate immediately If you accidentally obtain more than one PAN to avoid future compliance or penalty issues.
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Read More on CIBIL
Know More About CIBIL
TransUnion CIBIL is one of the leading credit information companies in India. The company maintains one of the largest collections of consumer credit information in the world. CIBIL Score plays a key role in the lives of consumers. Banks and other lenders check the CIBIL Score of the applicants before approving their loan or credit card application. Consumers can visit the official website of CIBIL to check their CIBIL Score and Report. CHECK YOUR CIBIL SCORE now.
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FAQs on How to Check your CIBIL score With PAN Card Number
1. Is there a fee associated with checking the CIBIL score using a PAN card?
CIBIL score can be checked for free once every year on the official website of TransUnion CIBIL. After that, you need to purchase a subscription plan.
2.Can CIBIL score be checked by PAN card without OTP?
No, CIBIL score cannot be checked by PAN without OTP. OTP verification is mandatory to confirm the identity when checking your credit score using a PAN card.
3.What should I do if there is an error in my CIBIL report obtained using a PAN card?
If you notice any error in your CIBIL report obtained using a PAN card, then you should raise a dispute with TransUnion CIBIL. To request corrections, you can submit an online dispute resolution form.
4.Can I check my credit score if I do not have a PAN card?
No, you cannot check your credit score if you do not have a PAN card. Your credit history is usually linked to your PAN card, which is why credit bureaus require it to generate your credit score.
5.Can I generate my credit score using an Aadhaar card?
No, you cannot generate your CIBIL score using only your Aadhaar number even if your Aadhaar is linked with your PAN.
6.What is the CIBIL score for a newly issued PAN card?
If you have recently received a PAN card and have never taken a loan or credit card, then there is no credit activity recorded yet. Hence, credit bureaus will mark your profile as “New to Credit” or “No Credit History.”
7. Does a bank use my PAN card to check my CIBIL score for loans?
Yes, the bank uses your PAN card details to check your CIBIL score when you apply for a loan. The bank uses your PAN card details to fetch your credit report from a credit bureau like TransUnion CIBIL.
CIBIL Score Requirements for Loans
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