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Check CIBIL Score by PAN Card

Online CIBIL Score Check by PAN Number

Last Updated 26th Jul 2021

A Credit Report is a summary of all the credit activities undertaken by you till date. From your first credit availed to your last payment of credit dues, it includes all the information. Banks and NBFCs use the Credit Report to assess the credit behaviour and credit-worthiness of credit applicants.

  • Get a free credit score using PAN on CIBIL's website once a year.
  • Free Credit Score Check online at MyLoanCare.in.
  • Get a subscription from CIBIL to check your credit score at regular intervals.
  • PAN Card CIBIL Score is the easiest and authenticated way to check credit score.
  • Know CIBIL Score by using your details such as Name, Date of Birth and other Identity Proof if you don't have a PAN Card.
  • Knowing your Credit Score can help to review the irregularities in credit reports or to improve the credit scores.
What are you Looking for? Looking for a Loan? Looking for an Investment?

How to Check CIBIL Score By PAN Card

A credit score gives a snapshot of financial health based on past financial transactions and history and indicates whether the borrower can repay the credit on time. Most of the banks check credit score provided by CIBIL before availing of a loan. CIBIL is the most popular and oldest credit bureau in the country that provides credit scores based on financial transactions of the last six months ranging between 300 and 900, where 900 is the highest credit score. If a person wants to check their CIBIL score they will need certain details including a PAN card number. A free report is generated by the credit bureaus in the country only once a year after that people have to pay a fee for the same. A person gets a credit report for free with MyLoanCare throughout the year. To Check CIBIL Score by PAN Card Free Online India through MyLoanCare perform the below-given steps:-

  • Visit MyLoanCare website
  • Click on Credit Score
  • Fill the form given on a right side
  • Fill in the required details like Name, PAN Card number, DOB etc
  • Click on ‘Get Free Report’
  • You will receive a report on the submitted email id

To get an Online CIBIL Score Check by PAN Number, you need to follow the below-mentioned steps:-

  • Visit https://www.cibil.com/freecreditscore/
  • Now, enter details like full name, date of birth and gender
  • Choose 'Income Tax ID Number (PAN) under the identity proof section and Enter the PAN number
  • Now, choose the income type and monthly income
  • Next, enter your address, telephone number and email address and click on 'Submit’
  • Finally, you will get your FREE credit score within 24 hours in your inbox

To get CIBIL Score Check Free Online by PAN Number if you have a subscription perform the following the below-mentioned steps:-

  • Firstly, visit CIBIL's official website by clicking on https://www.cibil.com/
  • Now, on the top right option, click on 'Get Your Credit Score'
  • Next, choose the subscription method
  • Enter your PAN Card number, e-mail address, Date of Birth and captcha code etc
  • Finally, accept the terms and conditions and click on "Proceed to Payment'
  • You will now receive a Credit report on your Email Id in the next 24 hours

Free credit score by PAN Card

Individuals can also check their credit score to review the irregularities in their credit reports and to improve their credit scores. If you want to get a free credit report, you can visit the official web portal of CIBIL and check your Credit score once a year.

However, if you want to get a credit score at regular intervals, you can opt the below-mentioned methods.

  • Get a subscription from the CIBIL.
  • You can also get your credit score free at regular intervals through online marketplaces like MyLoanCare.

Why do we need a PAN Number to check the CIBIL score?

To check your CIBIL score online through CIBIL website, you would require the details of your PAN Card. It is a common document that serves as an identity proof and contains records about significant financial transactions. Also, if you want to avail a credit or loan, banks ask you to submit PAN Card mandatorily. Thus credit bureaus can easily locate your credit details efficiently as PAN is associated with all financial and bank accounts of most individuals.

Impact of PAN Changes on your CIBIL Score

If you have lost your PAN card or it is stolen, you can request a duplicate PAN card, and it won't affect your Credit Score as your PAN number remains the same. However, if you don't have your PAN number and you have requested to get a new card, then the PAN number will change, and it will impact your Credit Score.

Important Factors that impact your CIBIL Score

These are the factors that may impact your CIBIL score.

  • Past payments: The credibility of the borrower is determined by the capacity to pay the debts. Thus, if the borrower fails to make the payments on time or turns into a default, then the credibility of the person gets affected, thus leading to a poor credit score.
  • Debt to income ratio: If an individual has taken multiple loans and the sources of income are less as compared to the debts taken, then it indicates a poor credit score.
  • Types of enquiries made: A soft inquiry made by the lender or the borrower to know about the credit history does not appear on the credit report. However, if multiple lenders check your credit score, then it can hurt your credit score.
  • Utilisation of credit cards: Missing the credit card payments and having a high credit utilisation ratio in credit cards also impacts your credit score negatively.

Why do you need a PAN Number to check the CIBIL Score?

To check your CIBIL score online through the CIBIL website, you would require the details of your PAN Card. It is a common document that serves as identity proof and contains records about significant financial transactions. Also, if you want to avail credit or loan, banks ask you to submit PAN Card mandatorily. Thus credit bureaus can easily locate your credit details efficiently as PAN is associated with all financial and bank accounts of most individuals.

FAQs

Will my CIBIL Score get affected when I update my PAN Card?

PAN card number and CIBIL score are not interrelated. If you update your PAN number then your credit report will not get affected however, the updated PAN number will be used by the credit bureau from the date of update.

What if you don't have A PAN Card?

If you don't have a PAN Card, you can request to get access to your CIBIL score by using your personal details such as Name, Date of Birth, Identity Proof number of another document, Address, and mobile number etc.

What is the CIBIL score for a new PAN card?

If you have requested a new PAN Card and do not have a PAN number, then the CIBIL Score will be impacted severely, and it will show a red flag on your account.

How is the CIBIL score calculated?

CIBIL Score is calculated by analysing the financial record of the past six months on the defined parameters. To quantify the creditworthiness of the individual, the data connected with the loans, credit cards and investments made by the individuals are analysed, processed and then represented in the credit report. Some of the parameters for calculating CIBIL Score are repayment of loans and credit card bills, Debt-Income ratio, Credit Utilisation ratio etc.

Is there any difference in CIBIL Score when I check it by PAN Card?

No, there will be no difference in the CIBIL score when you check it by PAN Card. PAN card helps in mapping multiple banking transactions and knowing the credit score. However, it is a red flag for a credit bureau if you change your PAN card.

Is it safe to check your CIBIL score online?

Yes, it is safe to check your CIBIL score online. You can get a free credit report online through the CIBIL website or Online marketplace like MyLoanCare without hurting your credit score.

Is it safe to check your cibil score by PAN Card online?

Yes, it is safe to get CIBIL Score Check Free Online by PAN Number. You can check it with MyLoanCare or you can visit the official website of CIBIL https://www.cibil.com/.


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Our News - Jul 2021
  • 2021-07-12 : Half of India working population credit active: CIBIL report
    Half of the working population of 400 million people in the country is credit active, having at least one loan or credit card. Credit institutions are fast approaching a saturation level in new customers as over half of the borrowers are from the existing customer base of a bank, the report by Transunion CIBIL said. India’s overall working population was estimated to be at 400.7 million as of January 2021, while the retail credit market has 200 million unique individuals who are credit active.
  • 2021-06-23 : TU Cibil to provide lenders score of first-time borrowers
    TransUnion Cibil will now be able to help a lender assess the eligibility of new-to-credit or first-time borrowers — who have never taken a loan or credit card from banks or financial institutions. The new service incorporates an algorithm that uses an adaptive machine learning framework for continuously monitoring behavioural trends of similar data subjects and preparing the required credit reports. According to Cibil, this will enable first-time borrowers to get credit.
  • 2021-01-07 : 66.66% of borrowers unaware of their CIBIL score
    A report stated that two out of three borrowers in India are unaware of their CIBIL score. CIBIL Score is the indicator of creditworthiness, CIBIL score helps in gauging the creditworthiness of borrowers.
  • 2019-07-08 : Bank of Baroda and CRISIL signs MoU to assess the credit quality of SMEs
    To assess the credit quality customers in the small and medium enterprises (SME) segment, Bank of Baroda and CRISIL have signed a memorandum of understanding (MoU). CRISIL will assess the SMEs by analyzing the data streams through its digital platform its proprietary platform for data and analytics. This facility will be available for both existing and prospective customers from the SME segment, the lender said.
  • 2019-05-27 : Allahabad Bank offers a concession on home loan interest rate to those having a good credit score
    Private sector lender, Allahabad Bank is offering a concession of 10 basis points to its home loan borrowers. The discount is available to only those borrowers who are having a credit score of above 750 from CIBIL and CRIF Highmark. Currently, the lender is offering 8.85% on home loans up to Rs. 25 lakh and 9.10% above Rs. 3 crores.
*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
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