Check CIBIL Score Without PAN Card

Checking your CIBIL score helps you understand your creditworthiness, review loan eligibility, and manage financial planning. While the PAN card remains the most commonly used document, you may also use alternatives such as a passport or voter ID number. This flexibility makes credit monitoring simple and accessible.

A PAN card is widely used for checking a CIBIL score as it serves as proof of income tax identification. However, if you do not have one, you can still access your score with other government-issued identification documents. 

This ensures that credit monitoring remains accessible to a broader group of individuals. The valid documents include:  

• Passport 

• Voter ID 

• Ration Card 

• Driver’s License

Checking your CIBIL score without a PAN Card is simple, free of cost, and can be completed online through the official CIBIL website. By using alternative documents of identity, you can conveniently track your credit profile. Follow the steps below: 

New User

1. Go to the official CIBIL website at https://www.cibil.com/freecibilscore

2. Click on the ‘GET FREE CIBIL SCORE & REPORT’ button

3. Create an account by providing your email ID, setting a secure password, and entering your full name

4. From the drop-down menu, choose an alternative ID Type such as Passport Number, Voter ID Number, Ration Card Number, or Driving Licence Number

5. Enter the selected ID number along with your date of birth, PIN code, and registered mobile number

6. Review the terms carefully and click on ‘Accept and Continue’

7. Once successfully logged in, you can view your CIBIL score instantly

Existing User

1. Go to the official CIBIL website at https://www.cibil.com/freecibilscore

2. Click on ‘Log In’ under the ‘GET FREE CIBIL SCORE & REPORT’ button

3. Log into your account using your registered mobile number and OTP, or your username

4. After logging in, you can check your score directly

When checking your CIBIL score without a PAN card, it is important to exercise caution and follow certain guidelines. Since credit information is highly sensitive, you must prioritise safety, accuracy, and proper verification throughout the process. 

• Use only trusted and verified platforms such as the official CIBIL website, authorised banks, or reputable financial apps

• Be aware that scores may vary slightly across platforms due to data synchronisation or the use of different credit bureaus

• Ensure OTP verification is completed for security, and avoid platforms that bypass this step

• The process may take longer when alternative identification is used instead of a PAN card

• Regularly check for errors or fraudulent activities, as early detection and prompt reporting help safeguard your credit profile

• Review specific platform requirements, as some may provide alternative ID-based verification methods

It is advisable to check your score at least once every month to remain informed about your credit health. Monthly monitoring enables you to track changes, understand your financial behaviour, and detect any discrepancies or fraudulent activities. 

As most credit bureaus update scores on a monthly basis, this frequency ensures access to the latest information. A common misconception is that checking your CIBIL score may negatively impact your credit profile. In reality, such checks are categorised as soft enquiries and do not affect your score. 

On the contrary, regular monitoring promotes financial discipline, helps you plan for future loans, and supports the maintenance of strong creditworthiness.

A free CIBIL score check without a PAN card is not only possible, but it is also convenient. Alternative identification documents such as a passport, voter ID, ration card, or driving licence may be used for this purpose. 

This flexibility allows you to monitor your credit health even without a PAN card. You can stay updated on changes and take timely steps to protect your creditworthiness.