How to Check CIBIL Score for Free By PAN Number?

It is 2023 and everyone knows that your credit score is extremely important in determining your ability to obtain a loan or credit card. In other words, it measures your creditworthiness. When you apply for a loan, the lending organization looks at your credit score to determine whether you can repay the amount. If your CIBIL score is low, it indicates that you are a risky borrower in the financial institution’s eyes with a high risk of default. A good credit score, on the other hand, makes it easier to obtain credit and can also help you secure a loan with favourable repayment terms. Given its significance and how it provides a comprehensive picture of your financial situation, it is critical to monitor your CIBIL score on a regular basis. There are many ways to check one’s credit score and one such way is via CIBIL score check free online by pan number.

Step-by-Step Procedure for Checking Your CIBIL Score Using Your PAN Card

The simplest way to check your credit score is to use your CIBIL score check free online by pan number. The PAN card is an official identity proof issued by the Income Tax Department of India to taxpayers. It is a significant document that functions as a KYC document for a variety of purposes. It is linked to numerous financial documents, such as bank statements and IT returns, and it contains the most up-to-date information about your financial situation. Those asking how to verify their CIBIL score with a PAN card can do so for free online.

  • Visit the official website of the CIBIL.
  • Click the ‘Get Your CIBIL Score’ button in the upper right corner.
  • Choose a subscription method
  • Provide important information such as your PAN Card number, e-mail address, and phone number. Year of Birth
  • Select the Gender
  • Give your account a password.
  • Choose PAN as your ID type and enter your PAN number.
  • Finish your identity verification and input the necessary information.
  • Accept the terms and conditions
  • Finally, press the “Proceed to Payment” button.’

What is the CIBIL Score Range?

A high CIBIL score is always preferable. The closer it is to 900, the better it is thought to be. A high CIBIL score increases your eligibility for getting the following benefits:

  • Loan authorization
  • Getting loan with a low interest rate.
  • A large debt amount
  • Improved repayment terms

The table below displays the CIBIL score’s approximate range. Please keep in mind that these ranges are simply guidelines, not absolutes. The general rule is that the higher your CIBIL score, the better your chances of loan acceptance and favourable terms.


CIBIL Score Range Classification
550 or below Bad
Between 550 and 649 Poor
Between 650 and 699 Average
Between 700 and 749 Good
Between 750 and 900 Excellent


Why Is Your Pan Card Information Required to Check Your CIBIL Score?

When it comes to determining one’s CIBIL Score, the PAN Card is the most crucial document. As you know everyone has a unique PAN, our financial and banking data makes it simple for credit bureaus to identify details. Anyone who wants to do CIBIL score check free online by pan number card can check their CIBIL score for free on websites that facilitate CIBIL score checks.

Does Changing Your PAN Card Have an Impact on Your CIBIL Score?

It certainly does. If you have two PAN cards, you must surrender one to avoid confusion, as this may have an impact on your CIBIL score. Every PAN Card has a credit history associated with it, thus carrying several PAN Cards may result in conflicting credit records. If, on the other hand, you lose or damage your PAN card, you can apply to the Income Tax Department for a duplicate copy. Obtaining a duplicate PAN card has no effect on your CIBIL score because it does not modify your PAN number.

What are the most Critical Factors Affecting Your CIBIL Score

Payment Record: The most crucial factor is a borrower’s payment history. Borrowers having a solid credit repayment history ensure lenders that their dues will be repaid on time, resulting in the best loan terms.

Multiple Credit Enquiries: If a borrower’s credit record reveals a high number of hard inquiries in the recent past, it will have a negative impact on their credit score. Multiple enquiries cast a negative light on the borrower, giving the appearance that they are credit-hungry for credit.

Credit Utilisation Ratio: This is the percentage of credit you utilize compared to your entire credit limit. Experts advise customers to keep their credit utilization ratio low in order to maintain a decent credit score.

Credit Mix: One of the most prevalent factors used to calculate a borrower’s credit score is the credit mix. Borrowers who have numerous credit accounts, such as home loans, personal loans, and credit cards, demonstrate the ability to manage multiple types of debt at the same time.

Outstanding Credit: Having a loan or being in debt reduces a person’s ability to repay. As a result, any ongoing debts or existing loans will lower the credit score. Banks and financial organizations will realize that even if you have been paying your existing debts on time, increasing the weight of repaying a loan may be challenging.

Previous Credit Relationship: Having no loans or credit cards will not result in a higher credit score. Rather, it provides no foundation for banks and financial organizations to determine whether you will be able to repay debts on time and if you will be disciplined in making regular payments. As a result, having an existing good credit relationship (credit cards, loans, etc.) will result in a higher credit score.

How to Find Out if Your PAN Card Has Any Loans?

A PAN card, or Permanent Account Number, is a vital and private document that allows you to check your CIBIL score for free online. However, it makes certain sensitive information available online, which some scammers may exploit. The most recent scam involving PAN card information involves loan applications that were not initiated by the PAN cardholder. If a loan is active on your CIBIL score check free online by pan number card without your knowledge or permission, you can check your credit record. All of your credit cards and loans will be listed on your credit report. As a result, all active credit lines will be visible on your report. India has four credit bureaus, each of which provides at least one free credit report each year. That means you can get four free credit reports per year, one from each credit bureau. Keeping an eye on your credit report protects you from fraud and ensures that the report is error-free. If you’re worried about whether checking your CIBIL score check free online by pan number will influence your score, take a deep breath and remember that a credit score check is a soft inquiry that doesn’t harm your score. When applying for a loan, you will almost certainly check your credit score.

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