Your CIBIL score is one of the most important financial parameters in India. Whether you apply for a loan, credit card, or home loan, lenders check your credit score before approval.
Many people wonder whether they can check their score using PAN card or Aadhaar card.
Here’s the clear answer.
✅ Can You Check CIBIL Score Using PAN Card?
Yes. You can check your CIBIL score using your PAN card.
In fact, PAN is the primary document required to fetch your credit score because:
PAN is linked to all your financial activities
All loans and credit cards are connected to your PAN
Credit bureaus use PAN to track your credit history
PAN is mandatory for checking your CIBIL score on any platform.
❌ Can You Check CIBIL Score Using Aadhaar Card Alone?
No. You cannot check your CIBIL score using only your Aadhaar card.
Aadhaar is used for:
Identity verification
Address proof
KYC compliance
But Aadhaar is NOT linked to your loans or credit accounts, so CIBIL cannot use it to fetch your credit data.
However:
👉 Aadhaar can be used along with PAN
Some websites use Aadhaar for OTP verification or identity matching, but the actual CIBIL retrieval still happens via PAN.
Why PAN Is Required to Check CIBIL Score
Your PAN number is linked to:
All credit cards
All loans (home, car, personal, etc.)
EMI repayments
Bank accounts that report to CIBIL
Loan enquiries
Credit bureaus store all this information under your PAN, which is why they need it to retrieve your credit history.
How to Check Your CIBIL Score Using PAN
Most platforms follow similar steps:
1. Visit any credit bureau’s website (CIBIL, Experian, CRIF, Equifax)
2. Enter your PAN number
3. Fill your basic details
Name
Date of birth
Mobile number
4. Complete OTP verification
5. Your credit score will appear on screen
Is It Safe to Check CIBIL Score Online?
Yes, as long as you:
Use trusted and RBI-approved websites
Verify secure HTTPS connection
Avoid unknown apps or random links
Checking your score does not reduce your credit score.
Does Aadhaar Have Any Role in CIBIL?
Aadhaar helps with:
Completing KYC
Verifying identity
E-signing applications
Authenticating mobile number
But PAN remains the key identifier for credit score calculation.
FAQs
1. Can I check my CIBIL score without PAN?
No. PAN is mandatory for retrieving your credit score.
2. Can I check CIBIL score using Aadhaar?
Not directly. Aadhaar can help with verification, but PAN fetches the score.
3. Is checking your CIBIL score free?
Yes, CIBIL and other bureaus offer at least one free report per year.
4. Will checking my score reduce it?
No. Soft enquiries do not affect your CIBIL score.
5. What if my PAN is not linked to my bank?
Update your KYC; otherwise, the bureau may not retrieve complete data.
Published on : 19th November
Published by : SMITA
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