Interested in financial products
CreditMantri
Processing

Credit score is one of the most crucial factors that determine or affect one’s ability to get loans or credit cards. The credit score is the evaluation of the creditworthiness of a person. It helps the lenders to ascertain whether the loan can be provided to the applicant and assures the viability of the credit provided to them.

If the credit score of a person is low, it implies that he/she is a risky candidate for providing loans and the chance of default is relatively high. On the other hand, if the credit score of a person is good or high -  he/she can get any loan product with much ease and also at a lower rate of interest, or for a higher amount and longer tenure.

It is therefore essential to maintain a good credit score to ensure you can get a loan or credit card easily without any hassles and at any point of time.

Who are the credit score issuing authorities in India?

Credit score of a person is issued by an authorised credit bureau in India and the score is valid and accepted by all the lenders and credit reviewing authorities. India has four major credit score issuing agencies that provide credit ratings or credit score of individuals. These agencies are,

  • CIBIL™
  • Equifax
  • Experian
  • CRIF Highmark

Of these agencies, CIBIL™ is the most popular. Let’s check how to find your latest CIBIL™ score using your PAN card.

How to check CIBIL™ score through PAN Card?

One of the easiest ways to check the credit score of a person issued by CIBIL™ is using the PAN Card. The PAN card is the official identity card issued by the Income Tax Authorities in India. It is one of the most important documents held by a person and can be used as a KYC document for various purposes.

PAN Card is linked with various financial documents of a person like IT returns, bank statements, etc and thus has the most accurate information about the financial status of the person.

A person can check the credit score for free once a year on the website of CIBIL™ or can get a subscription to check the credit score at regular intervals. The process or the steps to check the credit score issued by CIBIL™ through PAN Card are mentioned below.

Check credit score for free

The steps to check the credit score through PAN free of charge are,

  • Visit the official website of CIBIL™ at www[dot]cibil[dot]com and then select ‘Free credit score’
  • After that, the applicant will have to enter basic details like date of birth, gender, name, etc.
  • The next step is to select ‘Income Tax ID number’ under the tab for identity proof.
  • After entering the correct PAN number, the applicant will have to enter the monthly income and the type of income earned by such applicants.
  • The applicant will also have to provide contact details like telephone number, email address to proceed.
  • Finally, after reviewing all the details provided, the applicant will have to select ‘submit’ for further processing of the request.
  • The applicant will get the credit score in their email within 24 hours of the request.

Check credit score through subscription

Applicants can also take a subscription to get the credit score on regular intervals like on a quarterly basis, half-yearly basis or annually. The steps for the same are,

  • Visit the official website of CIBIL™ at www[dot]cibil[dot]com
  • The next step is to click on the option ‘get your credit score’
  • After that, the customer has to choose the subscription method and then the basic details like the PAN Card number, email address, date of birth, etc.
  • Following this, the customer will have to agree to the terms and conditions and then click on ‘Proceed to Payment’
  • The credit report will be sent to the email of the customer within 24 hours of application.

check your CIBIL™ score with your PAN card FAQs

1. What is considered to be a good credit score?

A. A good credit score is anything above 700. Having a good credit score makes it easy to get a loan or credit card at the best interest rates.

2. What are the factors that affect the CIBIL™ score of a person?

A. There are many factors that affect the CIBIL™ score of a person. The major factors are

  • Repayment history
  • Credit utilisation ratio
  • A mix of secured and unsecured credits
  • Length of credit history
  • Multiple hard inquiries within a short span

3. Can checking the credit score through PAN Card affect it?

A. No. Checking the credit score using your PAN will not affect it, because it is a soft inquiry. You can check your credit score any number of times.

4. What is the CIBIL™ score if a person has a new PAN Card?

A. Generally, a person who is just getting started with credit will have no credit score. As you use credit responsibly, your credit score increases over time.

5. Can a person check the CIBIL™ score online without hurting it?

A. Yes. A person can check the credit score online without damaging it. You can check your CIBIL™ score once a year for free via the CIBIL™ website.

Apply for a credit score
×Thank you! Your comment will be reviewed and posted shortly.

CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf. We do not sell any loans on our own and do not charge any fee from our customers/viewers for the purpose of loan application