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Aadhaar card makes for one of the most widely accepted documents for KYC. Understand if Aadhaar card helps in checking CIBIL score.
An Aadhaar card is a government-issued identity document linked to a unique 12-digit Aadhaar number issued by the Unique Identification Authority of India (UIDAI). While it is widely accepted for KYC purposes, an Aadhaar number alone is typically not sufficient to retrieve your CIBIL score.
Your CIBIL score is a three-digit credit score generated by TransUnion CIBIL based on your credit history, including loans, credit cards, repayment behaviour, and credit enquiries. Lenders may use the CIBIL score to assess creditworthiness, determine loan eligibility, and evaluate applicable interest rates.
To check your CIBIL Score for Credit Card eligibility or other lending purposes, you may need to provide PAN or another accepted identifier, along with other personal details required for verification. If you're looking to check your score online, understanding these requirements can help make the process smoother.
No, you can not check your CIBIL score using an Aadhaar card on CIBIL’s official sign-up form. Aadhaar is not available as an ID type in the enrolment flow.
CIBIL verifies your identity before showing your score/report. The sign-up flow requires an accepted ID plus details such as DOB and PIN code to match your credit file.
Aadhaar can still be used for KYC with many lenders/apps (since it is recognised for KYC in India), but it will not work as the details to pull your CIBIL score from CIBIL’s own website.
Before you can access your CIBIL score, you need to complete an identity verification process. Most platforms that offer credit score checks accept the following government-issued identity documents:
PAN Card
Passport
Voter ID
Driving Licence
Ration Card
Among these, PAN is the most commonly used identifier, as credit information reported by banks and NBFCs is typically linked to it. So, you can check CIBIL score with PAN Card to retrieve your credit profile.
Along with a valid ID, you may also be required to provide personal details such as your full name, date of birth, PIN code, email address, and mobile number. These details help verify your identity and match you with the correct credit record.
Many popular finance apps and marketplaces now let you check it for free, right inside the app, with a simple consent and OTP flow. On Bajaj Markets, you can do the same.
Here are the two main ways to check your free CIBIL score online on Bajaj Markets via the website journey or the app journey. This is a self-check, and it typically does not impact your score because it is treated as a soft enquiry.
Visit the CIBIL score page: https://www.bajajfinservmarkets.in/cibil-score
Enter your mobile number, accept the terms, and proceed with OTP
Enter details such as name, date of birth, email ID, PAN, and residential PIN code
Choose your employment type from the listed options
Once verified, your CIBIL score is displayed on-screen
If the user prefers mobile, the Bajaj Markets app also lets them check their score in seconds, and highlights a more customised credit health view.
Download/open the Bajaj Markets app and sign in
Go to the Credit Score / CIBIL Score section
Complete the same basics: consent + OTP + personal details
View your score, and access the customised Credit Health Report inside the app
Reviewer
No. An Aadhar card credit score check does not work for CIBIL. CIBIL and most credit-reporting processes rely on PAN or other financial IDs for matching. Financial marketplaces like Bajaj Markets also accept Aadhaar for identity checks, but not as a substitute for PAN.
You can check your CIBIL score via CIBIL’s official website or trusted financial portals using alternate ID proofs like passport, voter ID, or driver’s licence. Using your PAN card, you can easily check your CIBIL score online on financial websites and apps like Bajaj Markets.
You can check your CIBIL score through eligible credit bureaus, lenders, and financial marketplaces that support Aadhaar-based identity verification. However, an Aadhaar CIBIL score check usually cannot be completed using the Aadhaar number alone. In most cases, you also need to provide your PAN or other details linked to your credit profile to retrieve your score. This requirement generally applies whether you're checking your CIBIL Score for EMI Card, personal loan or credit card.
Yes. You can check your own CIBIL score for free on online financial marketplaces like Bajaj Markets. Self-checks are soft enquiries and do not lower your credit score. Regular checks help you spot errors or unauthorised accounts early. You can also check your CIBIL score and get a free report once a year using the official TransUnion CIBIL website.
Yes. In many cases, you can still check your CIBIL score even if your PAN and Aadhaar aren’t linked. A CIBIL check by Aadhaar card or PAN is mainly about matching your identity to your credit file. However, linking PAN and Aadhaar is mandatory for tax purposes. If your PAN is not linked with Aadhaar, your PAN may be marked ‘inoperative’ under tax rules, which can disrupt many services. However, it is not a technical blocker to check your score with a bureau where PAN or alternate IDs exist.
Aadhaar is primarily used for identity verification and KYC purposes, not for maintaining credit records. Your CIBIL score is calculated using credit information reported by banks and NBFCs, such as loan repayments and credit card usage. Since credit histories are generally linked to PAN and other lender-reported details, Aadhaar alone is usually not enough to retrieve your credit profile or generate a CIBIL score.
Yes—Aadhaar-based e-KYC can be used in some journeys, but usually only to verify your identity, not as the sole input to fetch your credit score. You might require a PAN card or another accepted ID (such as a passport, voter ID, driving licence, or ration card) so the credit bureau can match your credit file correctly.
No your CIBIL score is not linked to your Aadhaar card. Your score is linked to your credit history (loans, credit cards, repayments, and enquiries) that banks and lenders report to the bureau. When you sign up to access your score, you typically need an accepted ID such as PAN, passport, voter ID, driving licence, or ration card.
No. Aadhaar alone is generally not sufficient to access your CIBIL score. While it may be used for identity verification, CIBIL typically requires PAN or another accepted identifier to retrieve your credit history and generate your score. To learn the complete process, refer to ‘How to check CIBIL score online’.
CIBIL generates your score based on credit information submitted by member banks and NBFCs, including loan accounts, credit cards, repayment history, outstanding balances, and credit enquiries. This information is periodically updated and linked to your credit profile, which is commonly identified using your PAN and other personal details provided to lenders.
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