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.

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.

Check CIBIL Score Free by PAN Number

Check CIBIL Score Free by PAN Number - Bajaj Housing Finance

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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.

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.

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Frequently Asked Questions

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.

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

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.

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 of 750 or higher is considered as a good score to apply for a loan.

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.

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.

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

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

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