Check Your CIBIL Score by PAN Card: Online Guide

Your PAN card, or Permanent Account Number, is a unique identifier issued by the Income Tax Department of India. It is linked to all your financial accounts, including loans, credit cards, and tax payments. When credit bureaus including TransUnion CIBIL calculate your credit score, they use your PAN to match and aggregate your credit history across all lenders and financial institutions.

This linkage means your CIBIL score reflects every loan you have taken, every credit card you hold, and every EMI payment you have made or missed, across all lenders, all in one place. It is also why your PAN card is the most reliable identifier to use when checking your credit score. Using your PAN ensures the score you see is accurate and complete, with no missing or mismatched records. Checking your own CIBIL score using your PAN card is a soft inquiry, which means it does not affect your score in any way.

How to check your CIBIL score online using your PAN card

You can check your score in a few steps without any charge and without affecting your credit score.
 

1. Go to cibil.com and click on the option to get your CIBIL score.
2. Create an account or log in if you already have one. You will need to provide your email address to register.
3. Enter your personal details: your name, date of birth, gender, and PIN code, exactly as they appear on your official documents.
4. Enter your PAN card number in the identity verification field.
5. Provide your mobile number and verify your identity using the OTP sent to your registered mobile number.
6. Accept the terms and conditions and submit the form.
7. View your score and report. Your CIBIL score and credit report appear on screen and can be downloaded as a PDF.

The process typically takes a few minutes. Your score reflects your credit history as reported by lenders up to the most recent monthly reporting cycle.

Your CIBIL score is one of the clearest signals of how well you have managed credit in the past, and lenders use it to assess how much risk they are taking by offering you a loan. Before applying for new credit or working on repaying an existing loan, understanding your current score gives you a clear starting point, both for what you are eligible for and for what steps, if any, you need to take to improve it.

What does your CIBIL score range tell you

Your CIBIL score is a three-digit number that ranges from 300 to 900. The higher the number, the stronger your credit profile. According to TransUnion[DG1]  CIBIL, a score above 700 is generally considered good.

A higher score signals to lenders that you have managed your credit responsibly, which improves your chances of loan approval and access to better interest rates. A lower score, particularly one affected by missed EMIs or overdue accounts, signals repayment difficulty and can result in loan rejections or higher borrowing costs.

Knowing your score tells you where you stand before you apply for credit, and gives you a clear starting point if you need to take steps to improve your credit profile.

How overdue loan EMIs show up in your PAN-linked CIBIL score

Every loan account linked to your PAN is reported to credit bureaus by your lender on a monthly cycle. When an EMI is missed, the lender reports a Days Past Due entry, or DPD, against that loan account in your credit report. A DPD entry records how many days a payment is overdue.

Even one missed EMI creates a DPD entry on your credit report, and this entry is visible to every lender who checks your CIBIL score. Multiple missed payments, or payments that are significantly overdue, increase the DPD count and reduce your score further. The longer the overdue remains unresolved, the greater the impact on your credit profile. This information stays on your report and is updated each month based on what lenders report.

How to improve your CIBIL score by clearing overdue Bajaj Finance EMIs

Steps to raise your CIBIL score, starting with overdue clearance

Improving your CIBIL score requires consistent action over time. The most important first step is to clear any overdue EMIs, as existing DPD entries stop accumulating only when the overdue amount is paid.

Follow this sequence to begin rebuilding your score:

• Clear overdue EMIs first. Paying the overdue amount stops further DPD entries from being added to your credit report. Log in to My Account on the Bajaj Finance website or app to check your total overdue amount and make a payment using UPI, net banking, or debit card.
• Pay all future EMIs on time. Consistent on-time payments after clearing the overdue are the most effective way to gradually rebuild your score. Each on-time payment adds a positive entry to your credit report.
• Avoid applying for new loans or credit cards during the recovery period. Each new credit application results in a hard inquiry on your credit report, which can reduce your score further when it is already low.
• Check your CIBIL report regularly. Review your report at cibil.com to confirm that cleared dues have been updated correctly and that no incorrect entries are present.

Using Bajaj Finance My Account to clear overdue and rebuild credit

My Account on the Bajaj Finance website and app gives you a clear view of all overdue amounts across your active loan accounts. You can pay overdue EMIs directly from the portal without calling customer care or visiting a branch.

To pay overdue EMIs through My Account:

• Sign in using your registered mobile number and OTP
• Go to the Services section and select your loan from Your Relations
• Click on Make Loan Payments and select the Missed Instalments or Other Overdues option
• Select the relevant month or months and proceed to payment
• Pay using UPI, net banking, or debit card and save your confirmation receipt

Once the overdue amount is paid, Bajaj Finance reports the updated account status to credit bureaus in the next monthly reporting cycle. Your CIBIL report will reflect the cleared payment at that point. Consistent on-time payments under your regular EMI schedule from that date forward contribute positively to your credit profile over time.

What affects your CIBIL score and what does not

Understanding what goes into your score helps you take the right actions to protect or improve it.

How to dispute an incorrect entry on your CIBIL report

If you find an entry on your CIBIL report that you believe is incorrect, for example an overdue showing for an EMI you have already paid, you can raise a dispute directly with CIBIL.

• Visit cibil.com and log in to your account
• Go to the dispute resolution section
• Identify the entry you believe is incorrect and submit a dispute with supporting documentation
• CIBIL will contact the relevant lender to verify the information
• The dispute resolution process typically takes approximately 30 days, as stated on cibil.com
• If the entry is confirmed as incorrect, it will be updated on your credit report

If you have paid a Bajaj Finance overdue EMI but it is still showing as unpaid on your CIBIL report, contact Bajaj Finance customer care at 8698 010 101 with your payment reference number. Bajaj Finance will verify and submit the corrected information to the credit bureau in the next reporting cycle.