Check CIBIL Score with PAN Card for Free

CIBIL Score is a three-digit score provided by TransUnion CIBIL, one of the credit bureaus in India. This score reflects your creditworthiness and can be accessed for free on Bajaj Markets, anytime and anywhere.

To get insights on your current credit standing and manage your financial future better, you can check your CIBIL score using a PAN card. With a good credit score, you can get quicker approval and easier terms on loans and credit cards.

Your PAN card is the most crucial document when you want to check your credit score. Here is a step-by-step guide on how to get your credit report and score on Bajaj Markets using this unique number:

1. Fetch the ‘Get Score Now’ option on this page

2. Click and proceed to enter a few details, such as your name, personal email ID, PAN card details, residential pincode, date of birth, and mobile number

3. Select your employment type from the options provided

4. Tick the consent box

5. Click on 'Get Score’

6. Enter the OTP sent to your registered mobile number and click on ‘Proceed with OTP’

7. On verification of details, you will be able to view your CIBIL score

You can even check your CIBIL score with a PAN card through the official CIBIL website for free once a year. For this, all you have to do is click on the ‘GET FREE CIBIL SCORE & REPORT’ option on the home page and fill up the required information. Enter the OTP received on your registered mobile number to check your score and the CIBIL Information Report (CIR) containing your detailed credit history.

Apart from your PAN, you will need to provide certain basic personal details to access your credit score and report. Bajaj Markets requires you to add the following details:

• Name (as it appears on your official ID)

• Date of Birth

• Mobile Number

• Email ID

• Residential PIN code

A Permanent Account Number (PAN) is not just a crucial document for tax-related purposes but also plays a significant role when you apply for credit products like credit cards, loans etc. When it comes to checking your CIBIL score, here is why it proves to be significant:

• Unique Identifier

Your PAN card serves as an identification for your financial and credit information, making it an effective way to retrieve your CIBIL score.

• Accurate and Secure

Using this unique identifier ensures that you get the correct credit history while preventing any unauthorised access.

• Ease of Access

You can check your CIBIL score online for free with a PAN card without requiring any additional documents.

• Widely Recognised

Most credit bureaus and financial institutions rely on the PAN card for checking your credit score.

Currently, PAN is mandatory to fetch your CIBIL score and report through official platforms. However, if you don’t have a PAN:

• You may try Aadhaar-based scoring on alternate third-party platforms (not CIBIL-certified)
  

• Contact credit bureaus directly for manual KYC verification options
  

• Apply for a PAN card to enable future digital access

Note: A CIBIL score cannot be generated without PAN on TransUnion CIBIL-authorised portals.

Most platforms require OTP-based verification to ensure data security and user identity. However, following points are important to note:

• CIBIL-authorised portals do not currently allow OTP-free access
  

• OTP confirms that you are the rightful owner of the PAN and mobile number
  

• Without OTP, you cannot complete the authentication process digitally
  
  

If you do not have access to your registered mobile, you can contact CIBIL’s customer care to explore alternate KYC methods.

Checking your CIBIL score using your PAN card is a quick and convenient way to monitor your credit health. However, to ensure a smooth and secure experience, keep the following considerations in mind.

• Using a New PAN

If you have lost your PAN card and got a new one, it may impact your credit score if it is not linked to your previous credit records. Due to a mismatch in your PAN details, the CIBIL database may detect inaccuracies in your report. 

It is crucial to inform credit bureaus about such a change to avoid any implications.

• Using a Duplicate PAN Card

If you have lost your PAN card and are using a duplicate one, your Permanent Account Number will not change. Your credit score will thus remain unaffected. 

• Having Multiple PAN Cards

A PAN card is a unique identifier, and having multiple PAN cards is an illegal offence. If you have more than one card, you will have to pay a penalty of up to ₹10,000 as per the Income Tax Act, 1961. Moreover, your credit score will surely take a hit.