Check Your CIBIL Score with a PAN Card for Free

Checking your CIBIL score online with your PAN card on Bajaj Markets is quick, secure, and completely free. It allows you to understand your credit health and access personalised loan or card offers that match your profile. Whether you are a new user or already registered, the process takes only a few minutes. Here is how you can check your CIBIL score using your PAN card on Bajaj Markets:

Steps to Check CIBIL Score Using Your PAN

For First-time Users

If you are checking your CIBIL score on Bajaj Markets for the first time, follow these simple steps to complete the process smoothly:

1. Enter your mobile number, agree to the terms and conditions, and click ‘Proceed with OTP’

2. Verify the OTP sent to your registered mobile number

3. Provide your details, including full name, personal email ID, PAN number, date of birth, and pincode

4. Select your employment type (salaried or self-employed) and mention your monthly income if applicable

5. Click ‘Get Score’ to instantly view your CIBIL score

For Existing Users

If you already have an account on Bajaj Markets, you can quickly refresh and view your latest CIBIL score by following these simple steps:

1. Enter your registered mobile number, accept the terms and conditions, and click ‘Proceed with OTP’

2. Verify the OTP sent to your phone to refresh and view your updated CIBIL score

Regularly checking your CIBIL score using your PAN card keeps you informed about your creditworthiness and helps you take timely steps to improve it. On the Bajaj Markets app, you can also view detailed insights into your loans, credit cards, and repayment patterns. Features such as ‘Did You Know’ and ‘Improve Your Score’ offer practical tips and personalised suggestions to help you maintain a strong financial profile.

Apart from your PAN, you must provide a few basic personal details to access your credit score and report. Bajaj Markets requires you to enter these details to verify your identity and ensure your credit information is accurate and secure. Here are the details you need to provide:

• Full Name: Enter your name exactly as it appears on your official identification document
• Date of Birth: This helps confirm your identity and match your credit history correctly
• Mobile Number: Used for OTP verification and to send important updates related to your CIBIL report
• Email ID: Your credit report and notifications from Bajaj Markets will be shared on this registered email address
• Residential PIN Code: This helps verify your current location and address details

Providing accurate details on Bajaj Markets ensures a quick, error-free process when checking your CIBIL score and accessing your complete credit report.

Your PAN card is more than just a document for tax purposes—it is a key financial identifier that links all your credit activities together. Here is why it plays such an important role when checking your CIBIL score:

Unique Financial Identifier

Your PAN card acts as a universal ID for all your financial transactions, helping credit bureaus like CIBIL match your records accurately across multiple lenders.

Ensures Accuracy and Security

Using your PAN allows CIBIL to retrieve the correct credit information linked to your profile while keeping your data protected from unauthorised access.

Enables Easy Online Access

You can check your CIBIL score online instantly using just your PAN card, without needing to upload any extra identity documents or visit a bank branch.

Accepted Across All Institutions

Banks, NBFCs, and credit bureaus across India use PAN as the standard document for identity and credit verification, ensuring consistency across platforms.

Simplifies Credit Tracking

Since all your loans, credit cards, and repayments are connected to your PAN, it provides a clear and consolidated view of your overall credit behaviour.

Links All Credit Accounts Seamlessly

Your PAN helps credit bureaus maintain a single record of all your active and closed credit accounts, avoiding duplication or mismatched entries in your report.

Prevents Identity Fraud

The PAN card’s uniqueness makes it easier for lenders to confirm your identity and avoid cases of mistaken or fraudulent credit reports.

Required by Law for Financial Verification

Under Indian financial regulations, providing your PAN is mandatory for most high-value transactions. Hence, it serves as a legal standard for verifying your credit profile.

Maintains a Lifetime Credit Record

Your PAN remains the same throughout your life, helping credit bureaus maintain a consistent, long-term record of your financial activities.

Facilitates Faster Loan Approvals

Lenders use your PAN to instantly access your credit score and repayment history, helping them process your loan or credit card application more quickly.

If you don’t have a PAN card yet, you can still explore alternative ways to access your credit information through limited verification options. However, it’s important to know that official CIBIL-authorised platforms require a PAN card to generate your credit score. Here’s what you can do instead:

• Use your Aadhaar card on selected third-party financial platforms that provide an approximate credit score based on your basic details
• Contact credit bureaus directly, such as TransUnion CIBIL, Experian, or Equifax, to enquire about manual KYC verification using other identity proofs like voter ID or driving licence
• Apply for a PAN card online through the NSDL or UTIITSL website to enable quick, digital access to your official CIBIL score in the future
• Keep your identity documents and contact information consistent across financial accounts to ensure your credit data can be verified easily once you receive your PAN

Note: You cannot check your exact CIBIL score without a PAN card, but these steps help you stay credit-ready.

If you want to check your CIBIL score using your PAN card but cannot receive an OTP, here are some key points to keep in mind:

• OTP verification is a mandatory security step on all CIBIL-authorised platforms

• It confirms that you are the rightful owner of the PAN card and registered mobile number

• Without OTP verification, you cannot access your CIBIL score or complete the digital authentication process

• CIBIL and other credit bureaus do not currently offer OTP-free options for checking your score online

• If your registered mobile number is inactive or unavailable, you can contact CIBIL’s customer care for alternative KYC verification

• Updating your mobile number in CIBIL’s records ensures smooth access to your credit report in the future

• This security process protects your personal and financial information from unauthorised use

If you’ve recently updated or changed your PAN card, it’s natural to wonder if this could impact your CIBIL score. Here are the key points you should know:

• Changing your PAN card does not directly affect your CIBIL score

• Your CIBIL score is based on your credit history, repayment behaviour, and loan records, not the physical card itself

• If your new PAN has the same number as before, your credit information remains linked and unaffected

• In case you were issued a new PAN number instead of a reissued card, your past credit data may not automatically transfer

• You should contact CIBIL or your lender to update your new PAN details in their records to avoid data mismatch

• Delays in updating your PAN may lead to temporary difficulty in fetching your credit report

• Keeping your PAN details consistent across all bank and loan accounts helps maintain an accurate credit profile

• Always verify your credit report after a PAN update to ensure all your previous accounts and repayment history appear correctly

• Linking your updated PAN with your Aadhaar can further reduce any risk of duplication or errors in your credit records

• Maintaining updated personal and financial information ensures your CIBIL score reflects your true creditworthiness

Checking your CIBIL score with your PAN card is quick and simple, but following a few smart steps can help you avoid errors and protect your credit record:

Using a New PAN Card

If you have been issued a new PAN card with a different number, your credit history may not automatically link to it. Inform CIBIL or your lenders immediately to update your new PAN details and ensure your past credit data stays accurate.

Using a Duplicate PAN Card

If your PAN card was lost or damaged and you applied for a duplicate, your PAN number remains the same. This means your credit score will not change, as your financial and credit details are still linked to the same permanent number.

Avoid Having Multiple PAN Cards

Owning more than one PAN card under your name is considered illegal under the Income Tax Act, 1961, and may result in a penalty of up to ₹10,000. It can also create confusion in your credit records, which may negatively affect your CIBIL score.

Verify Your PAN Details Regularly

Always ensure that your PAN information is accurate and consistent across all your financial accounts. Even minor spelling or number mismatches can lead to errors in your CIBIL report or delays in fetching your score.

Update Your Records After Any Change

Whenever your PAN card details are updated or reissued, promptly inform your bank, credit card issuer, and CIBIL. Keeping your financial records current ensures a smooth experience every time you check your CIBIL score using your PAN card.

Yes, it is entirely safe to check your CIBIL score online using your PAN card when you use trusted platforms like Bajaj Markets. These platforms use advanced encryption systems to safeguard your personal and financial details. Your PAN simply verifies your identity to retrieve your credit data—it does not grant access to your banking information. Always make sure you enter your details only on secure, verified websites that display ‘https’ to ensure complete data protection.

No—you cannot generate an official CIBIL report without a PAN card. PAN acts as your unique financial identifier, letting CIBIL match loans, credit cards, and repayments to you. Aadhaar-only checks on third-party sites provide estimates, not certified reports. Get a PAN or update records to access your verified credit history.