The 3-digit CIBIL score in India is generated by the Credit Information Bureau (India) Limited (CIBIL). It is used by financial institutions to assess creditworthiness and provides a snapshot of an individual's credit history.
You can use your PAN Card (Permanent Account Number) number to check your CIBIL score online for free. PAN Card is a government-approved identity proof. It is linked to your financial accounts. To check your CIBIL score online, ensure that you have a valid PAN Card. You can simply enter your PAN number and other personal information on a ‘CIBIL-score-check’ website to obtain your credit score. Remember that only a few websites are authorized to provide CIBIL scores.
3 Steps to Check CIBIL Score Online Using a PAN Card
Follow these steps to check your credit score online using your PAN Card:
Step 1: Visit a reputed website that offers a free credit score check online.
Step 2: Once you find the portal link, click on it to be redirected to a form where you will be prompted to enter your personal information including, of course, your PAN number.
Step 3: Once you submit the form, your CIBIL score will be generated and mailed to you. Alternatively, you may find a download link on the dashboard itself.
Please keep in mind that not all websites that provide free CIBIL score check services are authorized by CIBIL. It is critical to use a reputable and trusted website to ensure that the information provided is accurate.
Read Also: How to Improve CIBIL Score Above 800
Why is a PAN Card Mandatory to Check the CIBIL Score?
The PAN (Permanent Account Number) Card is a 10-digit alphanumeric identifier issued by the Indian Income Tax Department. It serves as a unique identity proof for Indian citizens and is required for financial transactions exceeding a certain threshold, filing tax returns, and other financial activities. The PAN Card is linked to the individual's financial history, including taxes paid and tax returns filed. Before applying for a Home Loan, you will almost certainly run a free CIBIL check by PAN. This is good because your eligibility depends in part on your score. A score of less than 700 indicates that you may have had some financial difficulties with credit repayment and usage. So, it might be challenging to get a loan.
You must use your PAN Card when applying for credit because it is linked to your credit history. This makes it essential to have on hand when checking your CIBIL (Credit Information Bureau (India) Limited) score, which is a credit score that reflects an individual's creditworthiness and is used by financial institutions to evaluate loan applications. By linking your PAN Card to your credit history, the Income Tax Department helps ensure that each person's credit history is unique and accurate, which is critical in determining your CIBIL score.
How Does a PAN Change Affect a CIBIL Score?
A change in your Permanent Account Number (PAN) can impact your CIBIL score in the following ways:
Inconsistent Information
A discrepancy between your PAN and other personal information, such as your name or date of birth, can cause inconsistencies in your credit report and have an impact on your CIBIL score.
Multiple Credit Reports
If you have multiple PAN numbers associated with your credit history, it is possible that multiple credit reports for the same person will be created. This can create confusion and have a negative impact on your CIBIL score.
Missed or Delayed Payments
If your credit history is linked to the old PAN and you have missed or delayed payments, the new PAN-linked credit report may not reflect them. Your CIBIL score may suffer as a consequence.
To avoid a negative impact on your CIBIL score, keep your PAN information up to date and consistent with other personal information. If your PAN has changed, you should request a copy of your CIBIL report to ensure that it includes your new PAN and other updated information.
Read Also: How Cheque Bounce Affects CIBIL Score
Frequently Asked Questions
Yes, you can check your CIBIL score using a PAN Card. You can obtain your credit card score by simply entering your PAN number and other personal information on a ‘CIBIL-score-check’ website.
Accessing your credit report using a PAN Card can help you check details on your existing loans and their statuses.
Since your PAN card is linked to credit products, a change in your PAN Card may affect your CIBIL score. Also, changes in PAN Card information may lead to inaccuracies in credit reports. Hence, it is suggested to fix PAN-related issues to avoid any discrepancies.
No, obtaining a new PAN (Permanent Account Number) Card has no effect on your CIBIL score. PAN is a government-issued identification number used to track financial transactions in India, and it is not a reflection of your creditworthiness. The CIBIL score is a measure of an individual's credit history that is used by financial institutions to determine a borrower's creditworthiness.
No, a PAN Card is required to check your credit score in India. PAN is used as a primary identifier by CIBIL, India's leading credit information company, to maintain credit records. You must have a PAN Card linked to your credit history in order to check your CIBIL score. You must apply for a PAN Card if you do not already have one before you can check your credit score.
No, losing your PAN Card has no effect on your CIBIL score. PAN is an Indian government-issued unique identification number that is used to track financial transactions. The loss of a PAN Card has no effect on your credit history and, as a result, has no bearing on your CIBIL score.
However, if you have a loan or credit card that is linked to your PAN and you lose your PAN Card, you may have difficulty making payments because you will need to update your PAN details with your lender. This could have an impact on your credit history, which in turn could have an impact on your CIBIL score.
The ideal credit score differs based on lenders. However, in general, a credit score of 750 or higher is considered as a good score to apply for a loan.
DISCLAIMER:
While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent errors or delays in updating the information. The material contained in this website and on associated web pages, is for reference and general information purposes, and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. Neither Bajaj Housing Finance Limited nor any of its agents/associates/affiliates shall be liable for any act or omission of the Users relying on the information contained on this website and on associated web pages. In case any inconsistencies are observed, please click on contact information.
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home+loan Home Loan
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What Affects the Interest Rate on Your Home Loan2024-03-13 | 5 min
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loan+against+property Loan Against Property
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3 Different Loan Against Property Types You Should Know About2024-02-13 | 5 Min
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loan+against+property Loan Against Property
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Easy Ways to Pick the Right Loan Against Property Tenor2024-05-14 | 3 min
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cibil Cibil
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How to Check, Calculate, and Improve CIBIL Score?2024-01-11 | 2 min
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tax Tax
[N][T][T][N][T]
How to Save Tax for Salary Above 30 Lakh?2023-08-07 | 6 min
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tax Tax
[N][T][T][N][T]
How to Save Tax Between Rs 20 to Rs 25L Salary in India2023-07-19 | 6 min
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home+loan Home Loan
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10 Smart Steps for Effective Home Loan Management2024-02-16 | 5 min
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home+loan Home Loan
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Advantages for First-Time Home Buyers2023-07-14 | 4 min
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home+loan Home Loan
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home+loan Home Loan
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How to Determine Your Ideal Credit Score for a Home Loan?2024-03-28 | 4 min
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home+loan Home Loan
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Would it be Possible for Me to Apply for a Second Mortgage?2024-05-22 | 3 min
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cibil Cibil
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Easy Ways to Maintain a Good Business Credit Score2024-01-10 | 5 min
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cibil Cibil
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Impact of Late Payment on CIBIL Score?2024-03-08 | 6 min
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home+loan Home Loan
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Common Myths About Home Loans: All You Need to Know2024-04-08 | 5 min
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5 Benefits of Availing of a Home Loan at an Early Age2024-05-10 | 3 min
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[N][T][T][N][T]
7 Smart Ways to Boost Your CIBIL Score for a Home Loan2024-05-09 | 6 min
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cibil Cibil
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Pay Minimum Amount Due on Your Credit Cards Will Impact Your Credit Score2024-03-11 | 5 min
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cibil Cibil
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Here’s How a Short-term Loan Can Help You Improve Your CIBIL Score2024-03-25 | 5 min
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cibil Cibil
[N][T][T][N][T]
How Can I Raise My Credit Score From 360 to 800 Within a Year?2024-03-21 | 5 min
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home+loan Home Loan
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What is an NOC Letter and Why is it Important?2024-05-14 | 3 min
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tax Tax
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Income Tax Structure in New Regime: New Tax Exemption Limit 20232024-05-08 | 4 min
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loan+against+property Loan Against Property
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Top 5 Issues Regarding Loan Against Property Application Rejection that You Might Face2023-02-14 | 5 min
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tax Tax
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Know all About Top Up Loans and How to Avail of Tax Benefits2023-12-12 | 5 min
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home+loan Home Loan
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5 Tips for Lowering Home Loan Interest Rates in 20232024-03-19 | 5 min
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home+loan Home Loan
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How Can Your Credit Score Impact Your Home Loan Interest Rate?2024-02-13 | 6 min
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Everything You Need to Know About Home Loan Tax Benefits2024-04-23 | 6 min
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cibil Cibil
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Does a Name Change Affect Your Credit Score2024-01-07 | 4 min
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home+loan Home Loan
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Home Loan Balance Transfer: Benefits, Eligibility, and More2024-05-15 | 3 Min
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home+loan Home Loan
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Benefits of Submitting a Digital Home Loan Application in Current Times2023-12-20 | 4 min
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home+loan Home Loan
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Common Mistakes to Avoid When Applying for a Home Loan2023-12-04 | 2 min
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home+loan Home Loan
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Differences Between Fixed and Floating Interest Rates2024-05-15 | 2 min
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cibil Cibil
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Everything You Should Know About Your CIBIL Score2024-02-09 | 7 min
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tax Tax
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Top Benefits of Using an Online Income Tax Calculator2023-12-28 | 5 min
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cibil Cibil
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What is Credit Score and Its Impact on Loan Availability2023-03-27 |
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cibil Cibil
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What Does Your Credit Score Tell About You?2024-06-11 | 5 min
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cibil Cibil
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Know How Mortgage Loan Affect Your CIBIL Score2024-02-05 | 5 Min
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home+loan Home Loan
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ITR Filing for Home Loan – Know the Right Process to File Your Income Tax Returns2024-02-16 | 5 min
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cibil Cibil
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Why is a CIBIL Score Measured Between 300 and 900?2024-05-07 | 4 min
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cibil Cibil
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What are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
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cibil Cibil
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What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
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tax Tax
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What Does It Mean to Have a CIBIL Score of -12023-06-16 | 4 min
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home+loan Home Loan
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Home Loan Terminologies2024-06-01 | 3 min
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cibil Cibil
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What Are Tradelines and How to Find Them On Your Credit Report?2024-05-28 | 4 min
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home+loan Home Loan
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Ways to Check Bajaj Housing Loan Account Numbers2024-04-05 | 3 min
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home+loan Home Loan
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What Do You Need to Know About Home Loan Foreclosure?2023-03-23 | 5 min
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cibil Cibil
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Introduction to Credit Information Bureau India Limited (CIBIL)2024-04-15 | 6 min
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home+loan Home Loan
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Section 80EE: Claim Deductions on the Home Loan Interest Paid2023-02-17 | 6 min
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home+loan Home Loan
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What is the Process to Get Your Home Loan Approved Fast with Bajaj Housing Finance?2024-02-15 | 6 min
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home+loan Home Loan
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What are the Different Types of Loans Available in India?2024-01-02 | 5 Min
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cibil Cibil
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What Does a Zero or Negative Credit Score Mean?2023-02-24 | 4 min
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cibil Cibil
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How Many Credit Inquiries are Too Much in a Year2023-09-21 | 2 min
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cibil Cibil
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How to Check CIBIL Score Online?2023-03-14 | 5 min
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home+loan Home Loan
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Top 5 Home Loan Benefits for First-time Woman Buyers2024-05-14 | 5 min
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home+loan Home Loan
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Importance of an NOC Letter after Closing Your Home Loan2023-12-14 | 6 min
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home+loan Home Loan
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Benefits of a Joint Home Loan with your Spouse2023-08-04 | 4 min
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home+loan Home Loan
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How to Pick the Best Home Loan Tenor that Suits Your Budget2023-06-29 | 5 min
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home+loan Home Loan
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How Digital Platforms Are Revolutionising the Face of Housing Finance2023-12-21 | 7 min
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home+loan Home Loan
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What is the Ideal Down Payment for a Home Loan?2024-05-16 | 5 min
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tax Tax
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Comparison Between New Tax Regime vs Old Tax Regime2024-04-10 | 5 min
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home+loan Home Loan
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Know All About the Home Loan Foreclosure Procedure2023-12-20 | 5 min
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cibil Cibil
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10 Common Myths About CIBIL Score2024-03-27 | 4 min
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cibil Cibil
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Check CIBIL Score with PAN Card for Free, in 3 Steps2024-02-27 | 5 min
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home+loan Home Loan
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Advantages of Including a Co-Applicant on Your Home Loan2024-01-21 | 7 min
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home+loan Home Loan
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What is the Difference Between Top-up Loan and Home Improvement Loan2023-01-11 | 5 min
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home+loan Home Loan
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Are Registration Charges Compulsory When You Opt for a Home Loan?2024-04-15 | 5 min
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home+loan Home Loan
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Can I Take a Home Loan and a Personal Loan Together?2024-01-17 | 4 min
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home+loan Home Loan
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Should You Take a Home Loan Even If You Have Enough Money to Buy a House?2023-01-30 | 3 min
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home+loan Home Loan
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7 Common Problems You May Face While Applying For Home Loan2024-01-18 | 7 min
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home+loan Home Loan
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What Happens If Home Loan EMI Bounces? Know the Consequences2023-07-11 | 5 min
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home+loan Home Loan
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Hybrid Flexi Loan vs. Personal Loan: Which One is Better?2024-01-24 | 3 min
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cibil Cibil
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A Helpful Guide to Understanding Your Credit Report2024-01-26 | 5 min
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home+loan Home Loan
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An Essential Guide to Refinancing a Home Loan