Check your CIBIL score for free with your permanent account number (PAN)
Check Your CIBIL Score & Get Free Credit Report Online Instantly
Your PAN number is unique to you, helping TransUnion CIBIL locate and access your information easily. This is because your PAN is linked to all your loan and credit accounts, financial transactions, and taxation. There are multiple ways in which you can check your CIBIL score by PAN number.
Here is how you can check your CIBIL score by PAN card on Bajaj Markets:
Click on the ‘Check CIBIL Score Now’ option on this page
Enter your personal details like name, mobile number, birth date, pincode, and e-mail ID
Provide your PAN as requested
Next, select your profession
Select ‘GET REPORT’
You can also check your CIBIL score online with your PAN card on CIBIL’s official portal by following these steps:
Visit the official CIBIL website - www.cibil.com
Create a new account and register if required. If you already have an account, start filling out the form. For this, click on the ‘GET FREE CIBIL SCORE & REPORT’ option on the homepage.
Enter necessary details such as your name, date of birth, contact details, and so on
In the drop-down list under ID Type, choose the option 'Income tax ID Number (PAN)’
Read the undertaking mentioned at the end of the form then click on 'Accept and Continue'
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 pull up your information more efficiently
Frequently Asked Questions
What is the CIBIL score for a new PAN card?
For a person with a new PAN card and no loan history, CIBIL has no information about their credit behaviour. 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. Also, according to income tax regulations, no two people or companies can have the same PAN.
Will my CIBIL score be affected when I update my PAN card?
No, changing your PAN card details will not affect your CIBIL score.
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. For this, you can use your passport, voter ID, or driving licence.
Does checking your CIBIL score with your PAN number 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. Meanwhile, every time a financial institution does the same, the credit bureaus count that as a hard inquiry. The kind of inquiry that affects your CIBIL score negatively are the hard ones. If a large number of hard inquiries are made in a short span of time, your score may drop.
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. This is because the PAN will remain the same.
Is it safe to check my CIBIL score online through a PAN card?
Yes, it is safe to check your CIBIL score online with the help of your PAN card. However, ensure that you are checking it through CIBIL’s official website or other authorised sources only. Also, use private network connections and refrain from utilising public networks. This ensures that your private information is safe from hackers and fraudsters.
How do I know if there is a loan on my PAN?
Frequently check your CIBIL report to see the loan accounts active on your PAN. Details of the loan accounts like the outstanding amount and so on will also be stated in the report. You use this information to pay your debts on time and manage your credit profile better.
Is the PAN card used to determine the CIBIL score?
No. However, the details of the loans and credit cards linked to your PAN are used to compute your CIBIL score.
