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Get to know how to check your CIBIL score without needing OTP verification or a mobile number, using simple alternate methods.
In India, checking the CIBIL score traditionally requires OTP verification on a registered mobile number for security purposes. However, many face difficulties such as lost or non-registered mobile numbers, making accessing their credit information challenging. Fortunately, there are alternate ways to check the CIBIL score without using OTP or mobile numbers.
These methods often rely on PAN card authentication, email ID verification, or even physical verification via branches. This article guides Indian consumers on how to check their CIBIL score without mobile OTP, explaining detailed steps and alternatives for hassle-free access to credit health.
Typically, checking a CIBIL score online requires an OTP sent to the registered mobile number. This OTP verifies the user’s identity and safeguards data privacy. However, it might not always be possible to access the registered mobile—for example, when changing numbers or in case of lost access.
In such cases, here are some alternatives that you can explore:
PAN Card Authentication: Using your PAN card details combined with other personal identification, you can verify your identity without an OTP on a mobile number from certain platforms or banks.
Email ID Verification: Some platforms allow access to check your credit score via email authentication instead of or alongside mobile OTP.
Bank or Credit Card Login: Several banks integrate credit score checks in their net banking portals, allowing customers to access their CIBIL score without needing mobile OTP again.
Visit Branch or Authorised Agent: Physical verification at bank branches or authorised agents is possible where ID proofs are submitted, and the score can be obtained without online OTP.
For example, a person who lost access to their registered mobile number can still check their CIBIL score by logging into their net banking account from a bank that offers integrated credit score services, bypassing mobile OTP entirely.
Key Points:
OTP is a standard verification step for online security.
Certain banks and authorised platforms offer OTP alternatives.
Physical verification remains an option.
If you want to know how to check your CIBIL score without mobile OTP, here are detailed methods you can follow, starting with using your PAN card, and moving to bank login and email verification.
This is one of the most common methods and can work on the official CIBIL website or partner portals. Here are the steps that you usually have to follow:
Steps:
Visit the official website of TransUnion CIBIL or an authorised credit score provider.
Choose the option to check CIBIL score using PAN card.
Enter your PAN number along with other personal details such as date of birth, gender, and email ID.
Complete the captcha prompt to confirm human verification.
Instead of OTP on your mobile, the system may prompt verification questions about your credit history (for example, previous loans or credit card amounts). Answer these to verify identity.
Upon successful verification, your CIBIL report and score will be displayed or emailed.
This method is practical for those who do not have access to their registered mobile but still have PAN and necessary personal information.
Many banks in India have partnered with credit bureaus to provide integrated credit score services. This is how the process usually works:
Steps:
Log in to your net banking or credit card portal with your credentials.
Navigate to the section titled ‘Credit Score’ or similar.
Follow instructions to view your CIBIL score within the portal.
Since you are already authenticated for banking, mobile OTP is often not required again for the credit score check.
This method is convenient if you have net banking access and your mobile number is not registered with CIBIL or inaccessible.
Some platforms allow using email verification as an alternative to mobile OTP via the method below:
Steps:
Visit a CIBIL-authorised website that supports email verification.
Choose to check your score using PAN and email ID.
Enter your PAN number, date of birth, and registered email address.
Instead of sending OTP to the mobile, an OTP or verification link is sent to your email.
Verify your identity through the received email.
Access and download your credit report and score once verified.
This option is suitable if you prefer not to share your mobile number or if your mobile number is inactive.
Visiting a bank branch or authorised agent is still a valid method for those who cannot verify digitally.
Steps:
Visit the nearest branch of your bank or authorised credit bureau agent.
Carry original documents such as PAN card, voter ID, passport, or driver’s licence for identity verification.
Request assistance for obtaining your CIBIL score and report.
The bank or agent will verify your ID documents manually and provide the report either as a print or via email.
This method is especially helpful for senior citizens or individuals unfamiliar with online processes or lacking mobile phones.
Using your PAN card or registered email ID enables access to your credit score without the need for mobile OTPs, streamlining the process.
Your PAN card acts as a unique identifier for credit-related data. By submitting your PAN card number with other personal details like date of birth, you establish your identity beyond the mobile number.
PAN card is mandatory for credit score checks on official portals.
PAN-based access bypasses mobile OTP by using alternate verification questions.
Ensures secure, reliable delivery of credit information.
Note: Some platforms also ask identity questions related to your past loans/accounts to verify this further.
Example: A borrower without access to their mobile number successfully uses their PAN card details and answers credit history questions to get their CIBIL report emailed directly to them.
Your email ID provides an alternative digital communication channel for OTP or verification links. Many platforms now support email-based authentication to bypass mobile OTP.
Email verification adds convenience and accessibility.
Suitable for those with stable email access but limited mobile access.
Keeps security intact by providing verified access.
Example: An individual with a registered email but no mobile number receives an OTP on email to verify their identity and obtain their credit report online.
Besides PAN and email, other documents can sometimes help verify identity for checking the CIBIL score, especially via offline or certain platform methods. These documents include:
Passport
Voter ID
Driver’s Licence
Ration Card
Aadhaar (with email verification in some cases)
These documents help establish your identity in place of mobile OTP, particularly when visiting branches or authorised agents.
Mobile number verification is standard because:
Security: OTP sent to a registered mobile confirms that the person checking the score is the legitimate owner.
Privacy: Prevents unauthorised access to sensitive financial data.
Legal Compliance: Helps platforms adhere to Know Your Customer (KYC) norms.
For example, without mobile OTP, fraudulent access could occur more easily. The mobile number acts as a key verification element in the digital security framework.
Monitoring your CIBIL score regularly offers several benefits:
Loan and Credit Approval: A good score increases chances of loan or credit card approval.
Better Interest Rates: Lenders may offer lower interest rates for high scores.
Error Detection: Spot erroneous information early to avoid credit issues later.
Financial Planning: Understanding credit health aids in managing finances wisely.
Improved Negotiation: Helps negotiate better terms with lenders and insurers.
Creditworthiness Awareness: Makes you aware of your financial reputation in the credit market.
Checking your CIBIL score without a mobile number or OTP is possible through multiple alternate routes such as PAN-based authentication, bank logins, email verification, or in-person visits. While mobile OTP remains the primary security measure, these methods offer flexibility for those facing mobile access challenges.
Regularly checking your CIBIL score is crucial to maintain good financial health and creditworthiness. Employing these alternative verification methods ensures everyone can stay informed about their credit status securely and conveniently.
Reviewer
While not legally mandatory, most lenders in India require a CIBIL score to assess risk before approving loans for first-time borrowers, making it an essential step in your credit journey.
Generally, a score above 650 may be viewed positively and can improve loan approval chances. However, different banks have varying cut-offs depending on their risk policies.
You can raise a dispute on the CIBIL portal by specifying inaccuracies. Documentation supporting the correct information helps expedite corrections.
Yes, through methods like PAN card authentication, bank portal login, or email verification, you can access your CIBIL score without mobile OTP, often with free options available once a year.
Mistakes can include incorrect personal data, wrongly reported loan or repayment information, duplicate accounts, or credit inquiries not made by you.
A score may show as NA (Not Available / Not Applicable) if you have insufficient credit history or no credit accounts reported in your name.
Typically, PAN card, date of birth, email ID, and sometimes government IDs like passport or voter ID can be used.
Use your PAN card details and email ID for registration, and verify your identity through alternate methods like email OTP or credit history questions.
While rare, some authorised platforms linked with banks may allow this through embedded authentication; however, most require at least some form of verification.
Yes, PAN card is widely accepted for credit score checks without needing mobile OTP if verified through other identity confirmation methods.
No, checking your own CIBIL score or report, regardless of verification method, does not impact your credit score.
You can use alternative methods like bank net banking portals, email verification, PAN-based checks, or visit branches for manual verification.
Yes, email verification and other government IDs are valid alternatives for CIBIL score access where mobile OTP is unavailable.
Many platforms send your CIBIL report to your registered email after proper alternate identity verification, bypassing mobile OTP.
Banks often provide integrated credit score access through net banking without needing mobile number verification every time.
Use PAN card and email-based verification or log in through your bank’s internet banking portal to access your CIBIL score without the old mobile OTP.
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