How to Check Your CIBIL Score Using a PAN Card?

What is a CIBIL Score?

A CIBIL score is a three-digit number (ranging between 300 and 900) that indicates your creditworthiness based on your repayment history. It is derived from the data found in your Credit Information Report (CIR), which includes all your past loans and credit card payments.

Lenders use your CIBIL score to determine your loan eligibility and decide the interest rate. A higher score typically means better chances of approval with lower interest rates.

Why Use a PAN Card to Check Your CIBIL Score?

Your PAN (Permanent Account Number) is a unique identifier tied to your financial history. Credit bureaus use it to pull your credit data and generate a report. Checking your CIBIL score using a PAN card is:

• Accurate

• Quick

• Free (once a year)

Most financial institutions require your PAN to verify your credit history and offer loans, credit cards, or even EMI-based services.

Step-by-Step: How to Check Your CIBIL Score Using a PAN Card

You can check your CIBIL score online in just a few steps:

1. Visit the official CIBIL website – cibil.com

2. Click on "Check Your CIBIL Score"

3. Choose a plan (or continue for the one-time free check)

4. Register with your name, mobile number, email, and date of birth

5. Select “Income Tax ID (PAN)” as the ID type

6. Enter your PAN number

7. Provide all required information

8. Skip the payment step if you’re using the free option

9. Verify using OTP sent to your registered mobile number

10. Your CIBIL score will be displayed on-screen

💡 Note: You can check your score for free only once a year as per RBI guidelines

CIBIL Score Range and Their Ratings

Credit score is issued by four major agencies in India:

• TransUnion CIBIL

• Equifax

• Experian

• CRIF High Mark

Things to Keep in Mind

• You can only check your CIBIL score for free once per year.

• Besides PAN, documents like passport, voter ID, or driver’s license may be used—but PAN is the most reliable.

• If you find errors in your credit report, you can file a dispute online via the CIBIL website or send it by post.

Benefits of Linking PAN with CIBIL

Linking your PAN with your credit profile ensures:

• Accurate credit data

• Elimination of duplicate reports

• Faster loan processing

• Better loan offers and interest rates

• Mandatory for loan applications and income tax filings

Importance of Maintaining a Good CIBIL Score

Maintaining a healthy CIBIL score increases your chances of:

• Getting loans approved quickly

• Receiving lower interest rates

• Access to higher credit limits

Tips to Maintain a Good Score:

• Pay EMIs and credit card bills on time

• Keep credit card usage below 30–40% of your limit

• Avoid applying for multiple loans at once

• Maintain a healthy mix of secured and unsecured loans

• Monitor your credit report regularly

Frequently Asked Questions (FAQs)

Q1. Can I check my CIBIL score without a PAN card?
Some platforms may allow it, but PAN is the most widely accepted and reliable ID for credit reports.

Q2. Does checking my score affect my credit?
No. Checking your own score is considered a soft inquiry and has no impact on your credit score.

Q3. How often can I check my CIBIL score for free?
Once per year via CIBIL’s official site. Some third-party platforms may allow more frequent checks.

Final Thoughts

Your CIBIL score is a key factor in your financial journey. Whether you’re applying for a loan, a credit card, or simply managing your credit health — your score plays a vital role. A good score reflects responsible financial behavior and opens doors to better financial opportunities.

Explore More with Piramal Finance

Visit the Piramal Finance website to learn more about:

• How to maintain a healthy credit score

• Financial calculators

• Affordable loans and financial products   Start your credit health journey today!