How to Check CIBIL Score Without PAN Card?

For the majority of big loans or credit products, your Permanent Account Number, or PAN card, is required. However, without a PAN card, you can still check your CIBIL score. I have shared the steps on

how to check CIBIL score without PAN card

here in this answer. Without a PAN card, you can use any of the following IDs like Passport, Voter ID, Ration card, Driver’s License, and so on.

How to Check CIBIL without PAN Card?

• Visit the official CIBIL website or use a reliable third-party app like

  NoBroker

  that allows you to check your credit score.

• Enter your personal information, such as your name, date of birth, and contact details.

• Choose an alternative ID (e.g., Passport, Voter ID) instead of a PAN card in the identification section.

• Verify your identity using the OTP sent to your mobile number.

• View your CIBIL score on the dashboard.

It’s important to note that while you can check your score without a PAN card, your credit history and financial records are often tied to it. Checking your CIBIL score regularly helps in monitoring your financial health, spotting discrepancies, and improving your creditworthiness for loans and credit cards.

This is how to check CIBIL score free without PAN card

. 

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Hello, Rina. I can tell you how to check CIBIL score without PAN Card easily. I tried the approaches outlined in earlier responses during the first time I was trying to view my CIBIL score, but I was unsuccessful. I then spoke about this with my friend, a bank manager, and she told me that I could easily check my score from the CIBIL official website without needing to provide my PAN. Scroll down to get the detailed procedure.

How to Check CIBIL Score Free Without PAN Card?

My friend informed me of the below process to CIBIL score check without PAN number:

• She asked me to first visit the official website of CIBIL -

  https://www.cibil.com/

  .

• Then scroll down and tap on “Get Started Now” under the Free CIBIL Score & Report section.

• Following that, mention the valid email address, password, name, mobile number, pincode and date of birth.

• She told me that if I don’t have my PAN card, then I can choose either from a Passport, Voter ID, Ration Card, or Driving License under “ID Type”.

• After that, enter the number associated with the particular ID you selected.

• Now, tap on the “Accept and Continue” button.

• Enter the OTP that was delivered to the mobile device and select "Continue."

• You will then be prompted to decide whether to couple your account with the device.

  • Click "Yes" if you are visiting the CIBIL website from a secure device (such as your laptop or smartphone). 

  • If you are logging in from a shared or public device (such as a library or internet cafe), select "No." 

• Now, tap on the Continue button.

• Finally, go to the dashboard and check your CIBIL score.

Moreover, she told me that if you are looking for CIBIL score check without OTP, let me tell you, it is impossible to see your CIBIL score because OTP is necessary for account authentication and security. Alternatively, she told that I can check my CIBIL score directly from the below link:

I hope this helps you get an idea of how to check my CIBIL score without PAN card.

Hey friend. I came across your question regarding the CIBIL Score checking without PAN Card. I would like to help you in this regard as I did the same process a few days back. I wasn’t able to locate my PAN Card and needed to check my score urgently. That is when my father came to the rescue and gave me a quick guide. So, here is the procedure for you to view your score without a PAN Card.

How to check CIBIL without PAN Card

The best way to check your CIBIL Score is through a PAN Card. However, there are alternative ways for you to check the score as well. Let me tell you more about the same.

You can gain your credit score with the help of your basic details, including your name, date of birth, and any government-authorised valid ID proof such as Aadhar, driving licence, voter ID, passport, etc. This is considered a secure method to view your CIBIL Score.

Determiners for credit rating

Now, let me throw some light on the factors that determine your credit rating. They are as follows: 

1. Payment History

2. Credit Age

3. Credit Type

4. Credit Use

You must be aware of the fact that a high credit score is needed to easily avail loans from a bank. A credit score of 750 is considered a safe range to gain the trust of banks and take a loan.

Hopefully, my answer will help you understand the process of checking your CIBIL Score via other means.

You'll need your PAN card number in addition to some basic information if you wish to check your credit score online. You need to spend a minimum sum in order to get your credit score. If you wish to check your credit report once a year, CIBIL may provide you with a free credit score. So let me tell you how to check CIBIL score by PAN card.

What is the process for a CIBIL score check with a PAN Card?

• Please go to

  https://www.cibil.com

  .

• select the "Get Your Credit Score" link at the top right corner.

• Choose a subscription option if needed.

How to make a CIBIL score check without PAN Card?

If you don't have a PAN Card number, you can still request your CIBIL Score by providing your name, date of birth, an identity proof number from another document, your address, your phone number, and valid ID numbers from papers like a passport, voter id, or an Aadhar card. This is your second-best choice for checking your credit score without PAN Card online. This is a risk-free approach to accessing your credit score as well. So without PAN Card CIBIL score check online free process now clear to you.

How is your CIBIL score calculated?

You'll need a high CIBIL score if you want a loan fast. Your ability to negotiate for competitive interest rates as well as whether your loan application is approved or denied may be influenced by your credit score. A credit score has a point range of 300 to 900. You will have a better chance of being approved for a loan or obtaining credit if your credit score is close to 900. For most lenders, including banks and non-bank lending organisations, a credit score of 750 or higher is ideal.

The process for CIBIL score by PAN Card must be clear to you now.

Hi Buddy,

Do you want to know, how to check CIBIL score without PAN card? I can help you out with the same as I have recently checked my CIBIL score without the PAN card. You will also need some other basic information if you want to check your own credit score, in addition to the PAN card number. You must additionally pay a fee to access the credit score. CIBIL can offer you a free credit score if you verify your credit card once a year. There is currently no source other than CIBIL itself that can provide you with a CIBIL Score that is more precise and current.

Why PAN card is important in checking the CIBIL score?

A PAN Card is a typical document that uses a special PAN Card number to identify a person. Additionally, most people's bank accounts and financial transactions are tied to their PAN. PAN makes it simpler for the credit bureaus to quickly find your information. The PAN Card number is only used to locate your credit information and to authenticate it using the accompanying details when you use it to view your CIBIL score.

You can still request your CIBIL Score even if you don't have a PAN Card by using the identification proof number found on your passport, voter ID, or driver's licence.

How to check CIBIL score online free without PAN card:

The steps to check your CIBIL Score are as follows;

• Visit the

• Choose "Get Your Credit Score" from the top-right menu, or

• Visit the

• If necessary, pick a subscription method.

• Type in the PAN Card number.

• Submit your email address.

• Enter Your Birthdate and Choose Your Gender

• Type the captcha code in.

• Accept the conditions and terms

• Select "Proceed to Payment"

You can view the previous data if you verified your CIBIL Score/CIR earlier using your e-mail ID and password. The website will send you to the payment page if you are checking your credit report for the first time. After making the payment, you can select how the score and report will be delivered. You have the option of having a hard copy of the report posted to your address or selecting to have an electronic copy sent to you through email.

Hence, to reiterate, and clarify your query, “how can I check my CIBIL score without PAN card?” I would like to say that, If you do not have a PAN Card number, you can request your CIBIL Score using your basic personal information, like your name, date of birth, identity proof number from another document, address, and phone number.

If your PAN card has been stolen or misplaced, you can obtain a replacement. Your PAN number remains the same, hence this has no impact on your CIBIL score. If you have two PAN cards, you must give up one of them.

Because your credit history is connected to many financial activities, your date of birth, and your residence, getting a new PAN card may lower your CIBIL score. TransUnion CIBIL database will display a red warning on your account when you apply for a new PAN.

I would like to conclude here, as I believe this answer suffices your query, how to check CIBIL score without PAN card? I hope this helps:)

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