Your CIBIL score is your credit score as determined by TransUnion CIBIL, a credit rating bureau. It is a 3-digit number, ranging from 300 to 900, and is based on the information in your credit report. One easy way to calculate your CIBIL score is to get it from TransUnion CIBIL itself by submitting your PAN card details, which serve as an identifier.
How to check your CIBIL score using PAN card
Visit the CIBIL website – Go to the official CIBIL site or any authorised credit bureau.
Click on ‘Check Your CIBIL Score’ – Look for the option to check your score.
Enter PAN details – Fill in your PAN number, date of birth, and other basic info.
Verify with OTP – Complete the verification using the OTP sent to your mobile.
View your score – Your CIBIL score and report will be shown instantly.
Why PAN Card is essential for your credit report
- Unique Identifier – PAN acts as a unique identity for tracking financial transactions.
- Mandatory for Credit Applications – Banks and financial institutions require PAN details for loans and credit cards.
- Links All Credit Activities – Ensures all loan and credit-related transactions are mapped to a single identity.
- Prevents Fraudulent Activities – Helps in avoiding multiple loan applications under different identities.
- Simplifies Credit Report Access – Enables easy retrieval of your CIBIL score and credit history.
What is the effect of PAN card change on your CIBIL Score?
- No Impact if PAN is Updated Correctly – If linked properly, your credit history remains unchanged.
- Credit History May Get Lost – If a new PAN is issued without linking the old one, your past credit data may be lost.
- Possible Errors in Credit Report – A change in PAN may result in mismatches or discrepancies in CIBIL records.
- Affects Loan and Credit approvals – Banks may find it difficult to verify credit history if the PAN change is not updated properly.
- Update PAN with credit bureaus – Inform CIBIL and other credit bureaus about the PAN change to maintain an accurate credit report.
CIBIL Score Range
CIBIL Score Range |
Rating |
300-500 |
Poor |
550-650 |
Average |
650-750 |
Good |
750-900 |
Excellent |
Since your PAN is linked with your financial accounts and tax payments, it helps CIBIL aggregate your data easily. You can check the CIBIL Score by PAN, free of cost with Bajaj Finserv. Here are the steps that you should follow to check your CIBIL Score by PAN card.
Additional Read: CIBIL dispute resolution
How to applying for a Loan after checking your CIBIL score
You are most likely to conduct a CIBIL check by PAN free of cost before applying for a loan. This is a good thing to do, as your eligibility partially hinges on your score. A score of below 700 indicates some financial hiccups in your credit repayment and experience. Thus, obtaining a loan may be difficult. A CIBIL Score of 700 to 750 is good, especially for secured loans. Having a high credit score of 750 and above helps you quickly obtain an unsecured loan like a personal loan.
Another way to streamline your loan application further is to avail of funding via a pre-approved loan offer. One financial solution that comes with such an option is Bajaj Finserv Personal Loan. It offers you financing up to Rs. 55 lakh at competitive personal loan interest rates for a flexible tenure of up to 96 months. The Flexi Loan facility offered in this loan helps you borrow from your sanction in part and pay interest only on what's withdrawn. Finally, you can pay EMIs that are lower by up to 45% when you choose to pay interest-only EMIs for the initial tenure.
Why is PAN card required to check your CIBIL Score?
Your PAN card acts as a unique identifier across all your financial transactions. Since it is linked to your loans, credit cards, and tax records, credit bureaus use it to track and compile your credit history. That’s why PAN details are essential for checking your score. If you're wondering how to check CIBIL score with PAN card or looking for a CIBIL score check by PAN number, simply visit a credit bureau website, enter your PAN, verify your identity, and get instant access to your credit report.
Factors that affect your CIBIL score by PAN card
Your PAN card links all your credit activity, helping credit bureaus generate your score. When you do a CIBIL score check free online by PAN number, these factors influence the result:
Payment history – Delays or defaults can lower your score.
Credit utilisation – High usage affects your creditworthiness.
Multiple loan applications – Frequent checks via check CIBIL score by PAN card may impact your score.
Length of credit history – Longer histories help when you check free CIBIL score by PAN card.
