Steps to Check CIBIL Score Using PAN Card Number for Free

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 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.

Read Also: How to Improve CIBIL Score Above 800 

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.

Read Also: How Cheque Bounce Affects CIBIL Score