How to Check CIBIL Score Using PAN Card?

It is of vital importance to keep a track of the CIBIL score right when you plan to borrow a loan or apply for a credit card. Being one of the major points of consideration in the process of a loan or credit card approval, CIBIL score is calculated on the basis of various factors such as credit history, previous loans, financial wellbeing, of the applicant.

Given its importance, it is pretty easy to check the CIBIL score. You can use your Aadhar card, PAN card, Passport, driving license, or voter ID to check your CIBIL score.

Additionally, there are multiple mobile applications that allow you to check your CIBIL score for free. One such application is Paytm. It follows a simple and convenient process that allows you to check your CIBIL score in a matter of minutes.

Let’s see how you can check your CIBIL score.

How To Check CIBIL Score using PAN Card

To check your CIBIL score on Paytm using a PAN card, you must have the Paytm application downloaded in your mobile phone. After logging in, and getting yourself verified on the application, you must follow these steps-

  • Log in to the Paytm application
  • Go to the ‘Featured Section’
  • Click on ‘See All’
  • Click on ‘Check Credit Score’
  • Enter the required details such as your PAN, Date of Birth, etc.
  • Note that if you are a first time user, an OTP will be sent to the registered mobile number for verification
  • Once done with entering the OTP, click on ‘Check credit score’

How To Check CIBIL Score on the CIBIL Website

Apart from using your official documents such as your PAN card, Aadhaar card, etc., you can also check your CIBIL score on the official website of CIBIL.

Here are the steps that you need to follow-

  • Log in to the official CIBIL website
  • On the top right corner of the website, click on ‘Get Your CIBIL Score”
  • Choose your preferred subscription plan
  • Enter the required details such as your Date of birth, mobile number, registered email address
  • Create a password for your account
  • Select PAN as your ID type and enter your PAN card number
  • Verify your identity and fill in the required information
  • Go to the ‘make payment tab’ for the completion process
  • In case you want to check your CIBIL score only once, then you can choose to drop the subscription plan
  • Now, you need to login to the account via email id or OTP
  • Enter all the required details and click on ‘Submit’
  • Your CIBIL score will be displayed on the next screen that appears
Read More: What is the Importance of a Good Credit Score

Why is PAN Card Important for Checking CIBIL Score?

A PAN card offers a unique identity to every individual in the form of a 10-digit alphanumeric number. This number is basically the card number associated with all the financial institutions and bank accounts of the PAN card holder.

  • PAN also helps in locating the applicant’s details through credit bureaus
  • The PAN card number is only used for locating the credit information and authentication of details provided by the user
  • If the user does not have a PAN card, he/she can check his CIBIL score on the official CIBIL website using his/her passport, Driver’s license, or Voter ID

FAQs
I have lost my PAN card. Will it affect my CIBIL score?

If you have lost your PAN card or if you have requested a new one, it would not affect the CIBIL score as the PAN number remains the same.

Is it okay to have two PAN cards?

Having two PAN cards can make it difficult for you to check your CIBIL score. Thus, it is advisable to have one PAN card in order to eliminate any arising issue.

Can I check my CIBIL score if I don’t have a PAN card?

To check your CIBIL score on Paytm, you must first download the application on your mobile phone and create a verified account. After doing so, you need to follow these steps-

How can I check my CIBIL score using a PAN card on Paytm?

To check your CIBIL score on Paytm, you must first download the application on your mobile phone and create a verified account. After doing so, you need to follow these steps-

  • Log in to the Paytm application
  • Go to the ‘Featured Section’
  • Click on ‘See All’
  • Click on ‘Check Credit Score’
  • Enter the required details such as your PAN, Date of Birth, etc.
  • Note that if you are a first time user, an OTP will be sent to the registered mobile number for verification
  • Once done with entering the OTP, click on ‘Check credit score’
How can I check my CIBIL score using a PAN card?
You can check your CIBIL score using a PAN card either on Paytm’s mobile application or on the official CIBIL website.
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