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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 an Indian government-issued identity document linked to your Aadhaar number (a 12-digit unique ID). It is issued by Unique Identification Authority of India (UIDAI).
Your CIBIL score is a credit score maintained by TransUnion CIBIL, based on your credit history. Lenders use it to judge how reliably you repay, which can affect loan or credit card approval and the interest rate you get.
Aadhaar is a widely used KYC document in India, but you cannot do a CIBIL score check with an Aadhaar number on its own. To access your score, you typically need other accepted identifiers.
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.
To check your CIBIL score on CIBIL’s official MyCIBIL site, you need any one of these IDs:
Permanent Account Number (PAN)
Passport
Voter ID
Driving Licence
Ration Card
PAN is the most commonly used option, but it is not the only one. If you do not have a PAN, pick one of the other accepted IDs from the list above.
Along with the ID, you will also be asked for basic details to match your credit file, such as full name, date of birth, PIN code, and mobile number (for OTP).
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
While an Aadhaar card is an important identity document for KYC in India, a CIBIL score check by Aadhaar card is not possible on its own. To access your CIBIL score online, you can use other valid ID proofs such as your PAN card, passport, or voter ID. Alternatively, on Bajaj Markets you can check your CIBIL score instantly by using your PAN details.
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.
Some financial marketplaces and lending apps may let you verify your identity using Aadhaar e-KYC and then show your score. But an Aadhar CIBIL score check does not work with the Aadhaar number alone. Most score checks still need PAN (or another accepted ID) to match and fetch your CIBIL score.
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.
A CIBIL score check with Aadhar card does not work directly because Aadhaar is primarily meant for identity verification (KYC). It is not used as the main lookup key because your credit file is built from what banks and lenders report, and that reporting is usually tied to PAN and other IDs
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.
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