CIBIL Score Check Free Online by PAN Number

CIBIL Score Check Free Online by PAN Number

Know How to Check Your CIBIL Score by PAN card

Get your Free Credit Score Report Online Instantly

Steps to Check CIBIL Score by PAN Card

Know how to check your CIBIL score online with your PAN Card by following the steps mentioned below:

  1. Help yourself to the official portal of CIBIL.

  2. Click on the ‘Get your CIBIL score’ option which you will find on the top-right corner of your landing page.

  3. Choose a subscription method if you want to and proceed. Note that if you only want to check the same just once, you can always skip this and proceed.

  4. You will now be taken to a page where you will need to enter your PAN number, date of birth, your email address, your gender and a captcha code. Enter all of this information in the relevant text boxes and acknowledge the terms and conditions and then click on ‘Proceed to Payment’ to proceed.

  5. Make the payment through the medium that you prefer.

  6. After completion of the above step, you will be taken to a page that will display your CIBIL score.

Why PAN Card is important and Needed to Check the CIBIL Score

You need a PAN card to check your CIBIL score for the following reasons:

 

  • Your PAN card is associated with all of your bank accounts and financial information.

  • The PAN card number will be only used to find out about your credit history and to verify your identity.

  • Since your PAN card number is unique to you, it helps bureaus to locate and subsequently pull up your credit-related information more efficiently.

  • It is mandatory to link your PAN card with the Aadhaar card. So, checking the CIBIL score with a PAN card helps financial institutions in identifying individuals with loans from multiple banks.

Impact of PAN Change on your CIBIL Score

If your PAN card is lost or stolen and you request a duplicate PAN card, your CIBIL score will not be affected as the PAN number will remain the same. If you have two different Permanent Account Number (PANs), you should surrender one of them in order to avoid any future problems.

 

Obtaining a new PAN card might have an effect on your CIBIL score. Your credit score is based on information in your credit history, which is linked to your current PAN card. If you apply for a new PAN card number, the credit bureau database may raise a red flag about your account.

FAQS on Check CIBIL Score by PAN Card

  • ✔️What is the CIBIL score for a new PAN card?

    For a person with a new PAN card and with no loan history, the credit bureaus have no information about their credit behavior. Therefore, they mark "New to Credit" against their profile.

  • ✔️Is it okay to have two PAN cards?

    As per the rules, No one is permitted to possess more than one PAN number. Also, according to income tax regulations, no two people or companies can have the same PAN number.

  • ✔️Will my CIBIL score get affected when I update my PAN card?

    No, changing your PAN card details will not affect your CIBIL score. At the most, the CIBIL software will display a warning.

  • ✔️What if I don't have a PAN card? Can I still check my CIBIL score?

    Yes, If you don’t have a PAN card, you can still check your CIBIL score with the help of your passport number, Voter ID number, or the identification number mentioned on your driver's license.

  • ✔️Does checking your CIBIL score with your PAN card will affect it negatively?

    No, checking your CIBIL score with your PAN card will not affect it negatively. Every time you check your CIBIL score, it is recorded as a soft inquiry by the credit bureaus, whereas every time a financial institution does the same, the credit bureaus count that as a hard inquiry. The only kind of inquiry that will ever affect your CIBIL score negatively are the hard ones, that too if a large number of them are made in a short span of time.

  • ✔️I have lost my PAN card. Will it affect my CIBIL score?

    No, If you lose your PAN card or request a replacement, this will not affect your CIBIL score as the PAN number will remain the same.

  • ✔️Is it safe to check my CIBIL score online through a PAN card?

    Yes, it is totally safe to check your CIBIL score online with the help of your PAN card.

  • ✔️How do I know if there is a loan on my PAN card?

    You can find out if anyone has taken a loan on your PAN card without your consent by frequently checking your CIBIL report for loans or credit card accounts that you do not recognise. It is important that you check your CIBIL report frequently as such things can happen anytime and if these instances are not disputed, they can affect your CIBIL score negatively.