2 min read
25 May 2021

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.

CIBIL Score Range

CIBIL Score Range










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

Procedure to check CIBIL score by PAN card

Follow these steps to carry out a CIBIL Score check by PAN verification. You can check your CIBIL Score for free right here on the Bajaj Finserv website (no consumer login or registration required).

All you need to do is follow these three simple steps:

Step 1: Share some basic information about yourself

Step 2: Verify your identity by confirming the OTP sent to your mobile number and email ID

Step 3: Check your CIBIL Score and report.

It’s free and it is really that easy. And the best part? Checking your CIBIL Score on the Bajaj Finserv website has no impact on your credit score!

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. 40 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Flexi Loan facility offered in this loan helps you borrow from your sanction in part and pay interest only on what's withdrawn.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 do we need PAN Card details to check the CIBIL Score?

Since your PAN is linked with your financial accounts and tax payments, it helps CIBIL aggregate your data easily.

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