Back to Credit Score Tools

Check CIBIL Score by PAN Card

Get your free credit report and CIBIL score instantly by providing your PAN card details. Your credit score is a critical factor in loan approvals and interest rates.

Important Information

This is a secure process that requires your PAN card and basic personal information for verification. Your data is encrypted and protected as per industry standards.

Your PAN card number is a 10-character alphanumeric identifier

OTP will be sent to this number for verification

Secure Process

Your data is encrypted with bank-level security. We use 256-bit SSL encryption to protect your personal information.

What You'll Get

  • Your 3-digit CIBIL score (300-900)
  • Detailed credit report
  • Loan account summary
  • Payment history analysis
  • Credit utilization insights

Common Mistakes

  • Entering incorrect PAN details
  • Using outdated personal information
  • Providing unregistered mobile number

Frequently Asked Questions

Is it safe to check my CIBIL score online?

Yes, it is completely safe to check your CIBIL score online through authorized platforms. We use bank-grade encryption to protect your personal information. Additionally, checking your own score is considered a "soft inquiry" and does not affect your credit score.

How long does it take to get my CIBIL score?

After completing the verification process, you will receive your CIBIL score instantly on the screen. A detailed credit report will also be sent to your registered email address within 24 hours.

Why is my PAN card required for checking CIBIL score?

Your PAN card serves as a unique identifier that helps the credit bureau locate your credit history accurately. It ensures that you receive the correct credit report and prevents unauthorized access to your credit information.

What if I don't have a credit history?

If you have never taken a loan or used a credit card, you might not have a credit history, and consequently, no CIBIL score. In such cases, your report will indicate "NH" (No History) or a score might not be generated. To build a credit history, consider applying for a secured credit card or becoming an authorized user on someone else's credit card.

How often is my CIBIL score updated?

CIBIL scores are typically updated monthly as lenders report your credit activity to the bureau. However, the exact timing can vary depending on when your lenders submit their reports. It's advisable to check your score quarterly to monitor changes and track improvements.

Ask FinBot