Can I check my CIBIL score using a PAN Card?

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

How can I check my loan details through a PAN Card?

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

What are the effects of PAN Card change on my CIBIL Score?

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

Does applying for a new PAN Card impact your CIBIL score?

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.

Can you check your credit score if you do not have a PAN Card?

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.

Does losing a PAN Card affect your CIBIL 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.

What is a good credit score?

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

Can multiple PAN Cards affect my credit report or CIBIL score?

If multiple PAN numbers exist for the same person, each can generate a separate credit report. This can cause confusion and may negatively affect your overall CIBIL score.

Can I check my CIBIL score using my PAN Card for free?

You can check your CIBIL score for free using a PAN Card through the official website of Bajaj Housing Finance. Follow the steps given below to check your CIBIL score: Access the form to check your CIBIL score. Enter your name, mobile number, PAN Card details, PIN code, and email address. Click on ‘Generate OTP’ and enter it. After submitting the OTP, you will be able to view your CIBIL score.

Will checking my CIBIL score by PAN Card affect my score?

No, simply checking your CIBIL score using your PAN Card does not lower or negatively affect your CIBIL score.

Does updating or changing my PAN Card details impact my CIBIL score?

Updating your PAN card details can impact your score, but under certain conditions: If there are inconsistencies (e.g. mismatched name, date of birth) between your PAN and other personal information in your credit report, that can cause confusion or data mismatches. If you receive a new PAN Card and don’t ensure that your old credit history is correctly linked to it, past credit data may not appear in the new report. But in general, simply updating PAN details (without creating mismatches) shouldn’t harm your score, provided you ensure everything is updated properly across your financial records.

What should I do if I find errors in my CIBIL report retrieved using my PAN Card?

If you spot errors, such as wrong personal details or incorrect credit/loan information, you should raise a dispute with TransUnion CIBIL.

Check CIBIL Score Free by PAN Number

5 min 27 Feb 2024

Highlights:

Steps to Check CIBIL Score Online with PAN Card Number
Know Why PAN Card is Mandatory to Check Your CIBIL Score
Effects of PAN Card Change on the 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.

Step-by-Step Guide to Check Your CIBIL Score Using PAN Card

You can check your CIBIL score online for free using your PAN Card with Bajaj Housing Finance: 

Go to our CIBIL score journey page to begin the process.
Enter your basic details such as your name, mobile number, and date of birth, followed by your PIN code, PAN, and email ID.
Click on ‘Generate OTP’ and enter the OTP sent to your registered mobile number.
After verification, you can instantly view your CIBIL score and choose ‘Download Now’ to access your detailed credit report.

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 can check your CIBIL score using PAN Card. It is essential to check your CIBIL score in advance, as it can affect the interest rate you are offered.

What Does Your CIBIL Report Show

While your CIBIL score provides a quick snapshot of your creditworthiness, your CIBIL report offers a much more detailed view of your credit history. Reviewing your report periodically can help you understand your borrowing behaviour, verify the accuracy of the information reported by lenders, and identify any discrepancies that may need correction.

A typical CIBIL report includes the following sections:

●   Personal Details: Information such as your name, date of birth, PAN, contact details, address history, and employment details.

●   Credit Account Summary: A list of your active and closed credit accounts, including loans and credit cards reported by lenders.

●   Repayment History: Your payment record for each credit account, showing whether EMIs or credit card dues have been paid on time.

●   Credit Enquiries: Details of enquiries made by lenders when you applied for a loan or credit card.

While reviewing your report, pay close attention to the accuracy of your personal details, account status, and repayment history. Some commonly reported issues include closed loan accounts continuing to appear as active or inaccuracies in the status of a loan or credit card account. If you notice any incorrect information, you can raise a dispute with the credit bureau for verification and correction.

What to Do After You Check Your CIBIL Score

Once you know your CIBIL score, the next step is to understand what it means and how you can manage it better. Your score can influence your loan eligibility, interest rate, and overall borrowing experience. Here is how you can approach it:

CIBIL Score Range	What It May Indicate	What You Can Do
750 and above	This is generally considered a strong credit score range. It may improve your chances of loan approval, subject to the lender's policy and other eligibility criteria.	Maintain your repayment discipline. Keep credit utilisation low, continue paying all EMIs and credit card bills on time, and avoid applying for multiple credit products within a short period.
700 to 749	This is a reasonably healthy range, but there may still be scope for improvement.	Reduce outstanding credit card balances, avoid payment delays, and use credit selectively. Consistent repayment behaviour over time can help strengthen your credit profile.
650 to 699	This range may make approvals more conditional, depending on the lender's assessment of your income, obligations, and repayment history.	Focus on improving repayment consistency. Clear smaller outstanding dues where possible, avoid missing EMIs, and reduce overall credit usage. A secured credit card against a fixed deposit may also help build disciplined credit behaviour.
Below 650	A lower score may make it more difficult to qualify for certain loans or favourable terms.	Start by reviewing your credit report carefully. Settle overdue accounts, retain at least one healthy credit relationship, pay all dues on time, and raise a dispute if you find incorrect information in your report. Credit recovery takes time, so consistent repayment behaviour is important.

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.

Frequently Asked Questions

Yes, you can check your CIBIL score for free using your PAN card by accessing our CIBIL check form.

No, checking your own CIBIL score is treated as a soft enquiry and does not affect your credit score. Only hard enquiries made by lenders while assessing a loan or credit card application may have an impact.

Checking your CIBIL score periodically can help you monitor your credit health and identify any inaccuracies in your credit report. It is also advisable to review your score before applying for a loan or credit card.

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