Easy Steps to Check CIBIL Score Online Without PAN Card

Your creditworthiness is important when it comes to availing loans or credit cards. Lenders rely on your credit score to check your eligibility for credit products and determine the terms you will be offered. TransUnion CIBIL is one of the most renowned credit bureaus in India, providing credit scores that reflect an individual’s creditworthiness. However, you will usually need your PAN (Permanent Account Number) card details to access your CIBIL score online. But what if you do not have your PAN card handy? Can you still check your CIBIL score online? 

Yes, you can! In this blog, we will explore easy steps to check your CIBIL score online for free without needing your PAN card. But first, let us learn more about the CIBIL score, its importance, and why you should be aware of your CIBIL score.

What is a CIBIL Score and Why is it Important?

Your CIBIL score is a three-digit numerical representation of your creditworthiness. It ranges from 300 to 900, where a higher score indicates better creditworthiness. Some of the key factors that influence your CIBIL score include your credit history, repayment behaviour, credit utilisation ratio, and the types of credit accounts you hold.

Your credit score or CIBIL score plays a pivotal role in your financial journey. Whether you are applying for a personal loan or a credit card, lenders use your CIBIL score to check the risk associated with lending you money. Having a high CIBIL score increases your chances of getting a loan or credit card approval and helps you negotiate better terms such as lower interest rates and higher credit limits.

Also Read: How to Check Credit Score using PAN Card?

Why Should You Check Your CIBIL Score?

Checking your CIBIL score regularly is essential for the following reasons:

• Awareness: Monitoring your CIBIL score allows you to stay informed about your credit health. Moreover, you can address any discrepancies or potential issues when you find any unexpected changes in your score.
• Financial Planning: Understanding your creditworthiness enables you to plan your finances better. If your CIBIL score is low, you can take steps to improve it before applying for a loan or credit card.
• Identity Theft Detection: Regularly reviewing your CIBIL score report helps you detect any unauthorised or fraudulent activities linked to your identity. If you spot any irregularities, you can take steps to rectify them immediately.

Also Read: CIBIL Score for Credit Card – Minimum and Maximum

How Can You Check CIBIL Score Without PAN Card Online For Free

While most websites require you to provide your PAN card details to check your CIBIL score, there is an alternative way to access your credit score without it. Here are the easy steps to do so:

• Start by visiting the official website of CIBIL. Look for the section that allows you to check your credit score.
• Enter your personal information including your name, date of birth, address, and contact details. Instead of entering your PAN card details in the ID section, choose an alternative ID such as your Passport, Voter ID, Ration card, or Driver’s License. Ensure that the information you provide is accurate and up to date.
• On the next screen, enter the OTP sent on your mobile to verify your identity. Click on ‘Continue’.
• Now, you will be asked if you want to pair your device with your account. Click on ‘Yes’ if you are accessing the CIBIL website from a secure device, and if you are accessing the website from a public device, click ‘No’.
• A message will now be displayed on the screen saying ‘You have successfully registered!’
• Click on ‘Go to Dashboard’ to view your CIBIL score report.
• After accessing your CIBIL score, take the time to understand what it means. A score above 700 is generally considered good, while anything below may indicate areas for improvement.

You can also check your credit score on the Airtel Thanks app.

Conclusion

Your CIBIL score is an important financial metric that can significantly impact your ability to get credit products like loans and credit cards. Earlier, you would have needed your PAN card to check your CIBIL score. But now you can opt for convenient alternatives available online that allow you to check your CIBIL score without a PAN card for free. By following the easy steps outlined in this blog, you can easily access your CIBIL score online and stay informed about your credit health. 

Also Read: How To Get Credit Card With Low CIBIL Score In India

Remember, regularly monitoring your CIBIL score helps you make informed financial decisions and take proactive steps to improve your creditworthiness.