Check CIBIL Score Without PAN Card

Check CIBIL Score Without PAN Card

Here we explain step by step a guide to check CIBIL score without PAN Card.

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How to check CIBIL Score without PAN Card

Checking your CIBIL score without a PAN card is simple and can be done online through authorised credit bureau platforms. A CIBIL score check without PAN card is possible by using alternative identity documents such as your Aadhaar card, voter ID, or driving licence for verification, along with basic personal details. This helps you access your credit score quickly and monitor your credit health with ease.


 

To begin, visit a credit score provider's website, select the option to check your score, and enter the required details. Some platforms may ask for basic information like your date of birth, address, and employment details to verify your identity. This process is quick, and many platforms offer free access to your score once the verification is complete.

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What is a CIBIL Score and its importance

A CIBIL score is a three-digit number that shows your creditworthiness based on your past financial behaviour and repayment history. Lenders use it to evaluate your eligibility for loans and credit cards. Today, several platforms allow you to check CIBIL score without PAN card by using alternative identity documents. This makes it easy to access your CIBIL score without PAN card, helping you monitor your credit health and improve your financial planning.

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Steps to check your CIBIL Score without PAN card

If you don’t have a PAN card, follow these simple steps to check your CIBIL score using other valid documents:

  • Visit a trusted credit score platform that allows checking your CIBIL score without PAN card.
  • Choose the option to continue without PAN, if available.
  • Enter your personal details, such as full name, date of birth, and contact number.
  • Use an alternative ID like Aadhaar card, voter ID, or driving licence for verification.
  • Submit the details and follow the on-screen instructions to complete the process.
  • Once verified, you’ll be able to access your CIBIL score without PAN card quickly and for free on most platforms.
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Things to keep in mind while checking CIBIL Score without PAN

  • Always use a secure and reliable website to check CIBIL score without PAN card.
  • Opt for official credit score providers to ensure data confidentiality.
  • Double-check the documents you use to access your CIBIL score without PAN card.
  • Avoid sharing sensitive details on unknown platforms.
  • Regularly monitor your credit report to catch errors and maintain a healthy score.
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Conclusion

Performing a CIBIL score check without PAN card is simple and convenient with the help of alternative ID documents such as Aadhaar or Voter ID on trusted platforms. This process is particularly beneficial if you’re considering applying for a personal loan, as checking your credit score beforehand helps you evaluate your eligibility and improve your chances of approval.


 

Check your eligibility for personal loan using just mobile number and OTP – 100% online process. 


 

While the process is simple, always use reliable sources to ensure accurate results. Regularly tracking your CIBIL score can help you stay loan-ready and improve your chances of securing better loan terms.

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Key offerings: 3 loan types

Personal loan interest rate and applicable charges

Type of fee

Applicable charges

Rate of interest per annum

10% to 30% p.a.

Processing fees

Up to 3.93% of the loan amount (inclusive of applicable taxes).

Flexi Facility Charge

Term Loan – Not applicable

Flexi Loans –Up To Rs 1,999 To Up To Rs 18,999/- (Inclusive Of Applicable Taxes)

Will be deducted upfront from loan amount.

Bounce charges

Rs. 700 to Rs. 1,200/- per bounce

“Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason.

Part-prepayment charges

Full Pre-payment:

  • Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment

  • Flexi Term (Dropline) Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

  • Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

Part Pre-payment

  • Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-Payment.

  • Not Applicable for Flexi Term (Dropline) Loan and Flexi Hybrid Term Loan.

Penal charge

Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.

Stamp duty (as per respective state)

Payable as per state laws and deducted upfront from loan amount.

Annual maintenance charges

Term Loan: Not applicable

Flexi Term (Dropline) Loan:

Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges.


Flexi Hybrid Term Loan:

Up to 0.472% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Tenure. Up to 0.295% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure

Disclaimer

Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.
For customer support, call Personal Loan IVR: 7757 000 000