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Steps to Check CIBIL Score by PAN Card

Know how to check your CIBIL score online with your PAN by following the steps mentioned below:

  • Click on Check Your CIBIL
  • Enter necessary details such as your name, date of birth, contact details, and PAN
  • Verify your identity with the one-time password (OTP) sent to your registered mobile number
  • Once verified, your credit score will be displayed on the screen
  • You can either login to view your detailed CIBIL report or download the same

Why PAN Card is important and Needed to Check the CIBIL Score

You need a PAN card to check your CIBIL score for the following reasons:

  • Your PAN card is associated with all of your bank accounts and financial information.

  • The PAN card number will be only used to find out about your credit history and to verify your identity.

  • Since your PAN card number is unique to you, it helps bureaus to locate and subsequently pull up your credit-related information more efficiently.

  • It is mandatory to link your PAN card with the Aadhaar card. This linkage helps in creating a unified financial identity comprising financial transactions and credit history.

FAQS on Check CIBIL Score by PAN Card

What is the CIBIL score for a new PAN card?

For a person with a new PAN card and with no loan history, the credit bureaus have no information about their credit behavior. Therefore, they mark "New to Credit" against their profile.

Is it okay to have two PAN cards?

As per the rules, No one is permitted to possess more than one PAN number. Also, according to income tax regulations, no two people or companies can have the same PAN number.

Will my CIBIL score get affected when I update my PAN card?

No, changing your PAN card details will not affect your CIBIL score. At the most, the CIBIL software will display a warning.

What if I don't have a PAN card? Can I still check my CIBIL score?

Yes, If you don’t have a PAN card, you can still check your CIBIL score with the help of your passport number, Voter ID number, or the identification number mentioned on your driver's license.

Does checking your CIBIL score with your PAN card will affect it negatively?

No, checking your CIBIL score with your PAN card will not affect it negatively. Every time you check your CIBIL score, it is recorded as a soft inquiry by the credit bureaus, whereas every time a financial institution does the same, the credit bureaus count that as a hard inquiry. The only kind of inquiry that will ever affect your CIBIL score negatively are the hard ones, that too if a large number of them are made in a short span of time.

I have lost my PAN card. Will it affect my CIBIL score?

No, If you lose your PAN card or request a replacement, this will not affect your CIBIL score as the PAN number will remain the same.

Is it safe to check my CIBIL score online through a PAN card?

Yes, it is totally safe to check your CIBIL score online with the help of your PAN card.

How do I know if there is a loan on my PAN card?

You can find out if anyone has taken a loan on your PAN card without your consent by frequently checking your CIBIL report for loans or credit card accounts that you do not recognise. It is important that you check your CIBIL report frequently as such things can happen anytime and if these instances are not disputed, they can affect your CIBIL score negatively.

Can my PAN card be blocked by the lending company?

According to a strategic framework produced by the department and obtained by PTI, the taxman will restrict PAN so that "the defaulters are not provided any loans or overdraft facility by financial institutions, since the same is certain to become non-performing assets."

Is the PAN card used to determine CIBIL score?

The information on loans or credit cards connected to your current PAN card is used to compute your CIBIL score. If you currently have a PAN card, you shouldn't apply for another one since doing so is a serious offence for which the Income Tax administration may file a lawsuit.

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