How to check free CIBIL score online by PAN number
Your CIBIL score is like your financial report card; banks and lenders check it before approving any loan or credit card. It’s a 3-digit number between 300 and 900, where higher is better. In this blog, we’ll explain how to check your free CIBIL score online using your PAN number.
What Is a CIBIL Score?
CIBIL stands for Credit Information Bureau (India) Limited. It collects your credit data and gives you a score based on how you handle money, loans, and credit cards.
CIBIL Score Range:
| CIBIL Score Range | Rating |
| 750-900 | Excellent |
| 650-750 | Good/fair |
| 550-650 | Average/Needs Improvement |
| 300-500 | Poor/Immediate Action required |
Factors that influence CIBIL Score:
List of the factors that negatively impact the CIBIL score of any individual are:
Poor Payment Behaviour
Delayed or missed payment of any EMIs or credit card due amount is a major parameter that influences your credit score. Responsible payment on time is considered by creditors for the approval process. Repayment has to be on time. It marks the positive attribute towards the CIBIL score determination.
Requesting multiple Credit applications
Submitting multiple credit requests in a short period also creates a hindrance to your credibility. If your recent application is denied for any loan or credit application it is highly advised to wait for some time, before trying for the other application as it makes you seem like a credit hunter.
High Credit Utilization Ratio
As per the experts, the Credit Utilization ratio should not surpass the 30% of your credit limit. The credit utilization ratio refers to the amount of credit accessed in proportion to the credit limit available to you. High usage will again negatively influence your credit score as it increases the chances of defaulting.
How to check a free CIBIL score using a PAN Card
Your PAN card is your financial ID; it connects your bank accounts, credit cards, loans, and tax records. This makes it the easiest and fastest way to check your CIBIL score online.
- Visit CIBIL’s official website.
- Click on the ‘Get Your Credit Score’ button (usually at the top right).
- Fill in your First Name, Last Name, Email ID, and create a password.
- Under ID type, select PAN Card.
- Enter your PAN number, Date of Birth, PIN Code, and Mobile Number.
- Agree to the Terms and Conditions and submit.
- Enter the OTP sent to your mobile number.
- Your CIBIL score will be displayed instantly with a report preview.
How Often Can You Check for Free?
- Once a year, CIBIL gives you a free credit score and report.
- This is called your “Free Annual Credit Report” under RBI rules.
If you want to check more often, CIBIL offers paid plans.
- Choose a paid subscription on the website.
- Pick how you want your report (email or post).
- Make the online payment securely.
- Your updated score will appear instantly.
- You’ll also receive a PDF report by email or post, depending on what you selected.
Why is a PAN Card Important to Check the CIBIL Score?
Your PAN (Permanent Account Number) is a 10-character alphanumeric ID issued by the Indian government. It’s like your personal finance fingerprint; no two people have the same one.
This number connects all your key financial activities:
- Bank accounts
- Loans and EMIs
- Credit cards
- Income tax records
Because of this, credit bureaus like CIBIL use your PAN to quickly find and combine all your credit-related data in one place.
Can You Check CIBIL Without PAN?
Yes, you can also use other documents like:
- Aadhaar Card
- Passport
- Voter ID
- Driving Licence
But PAN is the most accurate and reliable method, especially if your financial activities are all linked to it.
Note: If you’ve lost your PAN or want a digital copy, you can easily download your e-PAN from the NSDL or Income Tax website.
Conclusion
In conclusion, your CIBIL score is like your financial health meter; it shows how well you manage credit. If you want a home loan, car loan, or even a credit card, this number decides your fate. Using your PAN card, you can check your score online for free in minutes.
- No paperwork
- No agent needed
- No hidden charges
Just like checking a stock before investing, always check your CIBIL score before applying for any loan.
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