How to Check CIBIL Score by PAN Card Number for Free

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Check Your CIBIL Score with PAN Card_WC

5 min 28 Mar 2023

Highlights:

3 Simple Steps to Check CIBIL Score Online with PAN Card Number
Why is a PAN Card Mandatory to Check the CIBIL Score?
How Does a PAN Change Affect a CIBIL Score?

The 3-digit CIBIL score in India is generated by the Credit Information Bureau (India) Limited (CIBIL). It is used by financial institutions to assess creditworthiness and provides a snapshot of an individual's credit history.

You can use your PAN Card (Permanent Account Number) number to check your CIBIL score online for free. PAN card is a government-approved identity proof. It is linked to your financial accounts. To check your CIBIL score online, ensure that you have a valid PAN card. You can simply enter your PAN number and other personal information on a ‘CIBIL-score-check’ website to obtain your credit score. Remember that only a few websites are authorized to provide CIBIL scores.

3 Steps to Check CIBIL Score Online Using a PAN Card

Follow these steps to check your credit score online using your PAN card.

Step 1: Visit a reputed website that offers a free credit score check online.

Step 2: Once you find out the portal link, click on it to be redirected to a form where you will be prompted to enter your personal information including, of course, your PAN number.

Step 3: Once you submit the form, your CIBIL score will be generated and mailed to you. Alternatively, you may find a download link on the dashboard itself.

Please keep in mind that not all websites that provide free CIBIL score check services are authorized by CIBIL. It is critical to use a reputable and trusted website to ensure that the information provided is accurate.

Why is a PAN Card Mandatory to Check the CIBIL Score?

The PAN (Permanent Account Number) card is a 10-digit alphanumeric identifier issued by the Indian Income Tax Department. It serves as a unique identity proof for Indian citizens and is required for financial transactions exceeding a certain threshold, filing tax returns, and other financial activities. The PAN card is linked to the individual's financial history, including taxes paid and tax returns filed. Before applying for a Home Loan, you will almost certainly run a free CIBIL check by PAN. This is good because your eligibility depends in part on your score. A score of less than 700 indicates that you may have had some financial difficulties with credit repayment and usage. So, it might be challenging to get a loan.

You must use your PAN card when applying for credit because it is linked to your credit history. This makes it essential to have on hand when checking your CIBIL (Credit Information Bureau (India) Limited) score, which is a credit score that reflects an individual's creditworthiness and is used by financial institutions to evaluate loan applications. By linking your PAN card to your credit history, the Income Tax Department helps ensure that each person's credit history is unique and accurate, which is critical in determining your CIBIL score.

How Does a PAN Change Affect a CIBIL Score?

A change in your Permanent Account Number (PAN) can impact your CIBIL score in the following ways:

Inconsistent Information

A discrepancy between your PAN and other personal information, such as your name or date of birth, can cause inconsistencies in your credit report and have an impact on your CIBIL score.

Multiple Credit Reports

If you have multiple PAN numbers associated with your credit history, it is possible that multiple credit reports for the same person will be created. This can create confusion and have a negative impact on your CIBIL score.

Missed or Delayed Payments

If your credit history is linked to the old PAN and you have missed or delayed payments, the new PAN-linked credit report may not reflect them. Your CIBIL score may suffer as a consequence.

To avoid a negative impact on your CIBIL score, keep your PAN information up to date and consistent with other personal information. If your PAN has changed, you should request a copy of your CIBIL report to ensure that it includes your new PAN and other updated information.

Check Your CIBIL Score with PAN Card_FAQ_WC

Frequently Asked Questions

Yes, you can check your CIBIL score using PAN card. You can obtain your credit card score by simply entering PAN number and other personal information on a ‘CIBIL-score-check’ website.

Accessing credit report using your PAN card can help you check details on your existing loans and their statuses.

Since your PAN card is linked to credit products, change in PAN card may affect CIBIL score. Also, change in PAN card information may lead to inaccuracies in credit report. Hence, it is suggested to fix PAN-related issues to avoid any discrepancies.

No, obtaining a new PAN (Permanent Account Number) card has no effect on your CIBIL score. PAN is a government-issued identification number used to track financial transactions in India, and it is not a reflection of your creditworthiness. The CIBIL score is a measure of an individual's credit history that is used by financial institutions to determine a borrower's creditworthiness.

No, a PAN card is required to check your credit score in India. PAN is used as a primary identifier by CIBIL, India's leading credit information company, to maintain credit records. You must have a PAN card linked to your credit history in order to check your CIBIL score. You must apply for a PAN card if you do not already have one before you can check your credit score.

No, losing your PAN card has no effect on your CIBIL score. PAN is an Indian government-issued unique identification number that is used to track financial transactions. The loss of a PAN card has no effect on your credit history and, as a result, has no bearing on your CIBIL score.

However, if you have a loan or credit card that is linked to your PAN and you lose your PAN card, you may have difficulty making payments because you will need to update your PAN details with your lender. This could have an impact on your credit history, which in turn could have an impact on your CIBIL score.

The ideal credit score differs based on lenders. However, in general, a credit score about 750 is considered as a good score to apply for a loan.

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