Know How To Check CIBIL Score By Pan Card For Free!

Your credit score, particularly the CIBIL score, is a vital aspect that lenders carefully scrutinise when you apply for a loan or credit card. It reflects your ability to repay debts responsibly and promptly, greatly influencing the approval of your loan applications.

This article will guide you onΒ how to check your CIBILΒ score for free through your PAN card, with the added benefit of receiving regular monthly updates.

Steps to Check CIBIL Score Using Your PAN Card

Checking your CIBIL score using your PAN card is a simple process that can be done in a few steps.

Here are some steps onΒ how to check your CIBIL score using a PAN card:

Step 1:Β Visit the CIBIL Website: Go to the official website of TransUnion CIBIL, which is the leading credit bureau in India.Β (

Step 2:Β Click on “Get Your Free CIBIL Score“: On the homepage, you’ll find a prominent button or link that says “Get Your Free CIBIL Score.” Click on it to proceed.

Step 3:Β Submit Personal Details: At this stage, you need to fill in your personal details, such as name, date of birth, and address, in the provided form. Make sure the information is accurate and up to date.

Step 4:Β Input Your PAN Card Number: You’ll be required to input your PAN card number within the same form. Take a moment to cross-verify to ensure the correct PAN information is entered.

Step 5:Β Identity Verification:Β After form submission, CIBIL will authenticate your identity using the provided PAN card details. This process might include an OTP (One-Time Password) being sent to your registered mobile number or email.

Step 6:Β Access Your CIBIL Score: Once your identity is validated, you can view your CIBIL score and credit report on the screen. Take note of the score and review the report for any inaccuracies or potential improvement areas.

Also, other credit bureaus like Experian, Equifax, and CRIF High Mark offer free credit reports annually. You can use the same PAN card method to access these.

The Link Between CIBIL Score and PAN Card

The Permanent Account Number (PAN) card, a unique 10-digit alphanumeric identifier, is issued to taxpayers in India. A valid and authentic PAN card is essential to obtain a free CIBIL score and report. Since the PAN card is linked to all financial and banking accounts, credit bureaus can readily locate an individual’s credit details, aiding the loan approval process.Β 

When checking the CIBIL score, the PAN card is solely used to access credit product information, such as loans and credit cards, and not for any other purpose.

Here’s how the CIBIL score and PAN card are intricately linked:

  1. Identification and Authentication:

The PAN card serves as a vital tool to identify individuals in the credit system accurately.Β Lenders and credit bureaus can verify the individual’s identification and trace their credit history with that PAN using this information.

  1. Comprehensive Credit History

PAN cards are unique identifiers that link people to their credit histories. Credit agencies like CIBIL publish loan repayments, credit card usage, and credit queries along with PAN details.

Thus, credit agencies may create a complete credit record for each person, detailing their financial behaviour and repayment habits.

  1. Accuracy and Consistency

The presence of PAN cards ensures accuracy and consistency in maintaining credit records. Since the PAN is a unique identifier, there are minimal chances of confusion or errors when attributing credit-related data to an individual.

This accuracy is essential in providing lenders and financial institutions with reliable information to assess creditworthiness.

  1. Preventing Fraud and Identity Theft

By linking credit information to the PAN card, the credit system can help detect and prevent fraudulent activities and identity theft.

If any suspicious activity or discrepancies arise in an individual’s credit report, they can be traced back to the PAN, helping authorities and individuals take appropriate action to safeguard against fraud.

  1. Legal Requirement

As per the rules of the RBI and the Credit Information Companies (Regulation) Act, 2005, lenders are required to report credit information, including borrowers’ PAN details, to credit bureaus like CIBIL.

Likewise, credit bureaus are legally obliged to keep this information confidential and responsibly use it for generating credit reports and scores.

Does Changing Your PAN Card Affect Your CIBIL Score?

Changing your PAN card information can have an impact on your CIBIL score and credit history. When you update your PAN details, the credit bureaus may treat it as a new identity, leading to a temporary disruption in your credit history continuity. This could affect your credit score since your previous credit data under the old PAN may not be considered.

It is crucial to inform all your lenders about the PAN card change to ensure a smooth transition and avoid any negative consequences on your CIBIL registration and credit score.


Being aware of how to check your CIBIL score for free using your PAN card is vital for effective financial planning and monitoring of your credit health. This simple process enables CIBIL registration and provides valuable insights into your creditworthiness.

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