CIBIL Credit Score Without PAN Card

How to Check CIBIL Score Online Without PAN Card?

How to Check CIBIL Score Online Without PAN Card?

Banks and lenders will always check your CIBIL score before approving a loan request. Therefore, it is very important for you to know your credit score.

There are multiple ways to check your credit score. This article will discuss how to check CIBIL score without PAN card and how to check CIBIL score by PAN card without OTP.

How Can I Check My CIBIL Score Without PAN Card

Your PAN card or your Permanent Account Number is essential for most big loans or credit products. But you can still check your CIBIL score without a PAN card. 

You can use any of the following IDs if you don’t have a PAN card - 

  • Passport

  • Voter ID

  • Ration card

  • Driver’s License 

Please note that you will need to have any one of these documents with you or the ID number to verify yourself while checking your score.

How to Check CIBIL Score Without PAN Card - Online & Free

Follow these steps to check your CIBIL score online without spending money - 

After the initial enrolment, you can simply click on ‘Member Login’ and visit your dashboard using your credentials. 

How to Check CIBIL Score by PAN Card Without OTP?

If you are searching for ‘CIBIL check without OTP’ or ‘check CIBIL score without mobile number’, follow the steps to check your CIBIL score with a PAN card. 

Entering your mobile number is a mandatory step to ensure privacy and security. You also have to enter the OTP that you receive on your mobile number. 

You cannot complete a CIBIL check without OTP.

What is a CIBIL Score and its Importance?

CIBIL is an organization that provides credit companies with credit ratings. Its full form is Credit Information Bureau India Limited and it is the most commonly used credit score in India. This score shows the creditworthiness of a person using a three-digit number.

CIBIL scores range between 300-900, and higher the score, the better it is. A higher score directly translates to good financial health. It means that a person takes loans and repays them responsibly.

Why Should I Check my CIBIL Score?

Your CIBIL score is very important for lenders and they check it before approving your loan. Here are some reasons why you should regularly check your CIBIL score - 

You can get a paid membership with CIBIL to get monthly reports as well. 

Know Your Credit Health Instantly

Conclusion

Monitoring your CIBIL score at least once a month is a very good idea. You can even check your CIBIL score by yourself before you apply for a loan. This will give you an idea of your creditworthiness and help you negotiate a better offer with your lender. 

Using the steps mentioned here, you can get your most accurate credit score completely free of cost. What’s better is that you can even check your CIBIL score even if you don’t have a PAN card. You just need one of the documents on the list given above to verify yourself.

How to Check CIBIL Score Online Free Without PAN Card - Related FAQs

Yes. Since the score is linked to the PAN card number, a PAN card is required to obtain the CIBIL report. PAN cards are utilized for tax return filing and address verification.
Yes, you can check your CIBIL score without your PAN card. You can use your Passport/Voter ID/Ration card/Driver’s License, if you don’t have your PAN card.
No, no one can check your credit score without your authorization. But when you apply for a loan, the lender can check your credit score.
When you check your CIBIL score, it is called a soft check or a soft pull and it doesn't affect your credit score. You can check it as many times as you want. 
Yes, it is completely safe to check your CIBIL score online. Just make sure not to share your username or password with anyone.

Was this information useful?