Here’s How to Check Your CIBIL Score Without a PAN Card

When making financial transactions, especially when applying for credit cards or loans, the CIBIL score is crucial. A major operator in this area is the Credit Information Bureau (India) Limited, or CIBIL, which provides credit ratings for borrowers. For financial organizations, these scores are essential since they aid in determining an individual’s creditworthiness.

A three-digit figure that represents your creditworthiness and ability to repay loans is your CIBIL score. Higher scores indicate greater creditworthiness and a higher likelihood of loan acceptance. The score range is 300 to 900.

But sometimes it might be difficult to get a CIBIL score, particularly if you don’t have a PAN card on hand.

Here is a step-by-step tutorial that will let you get your CIBIL score without a PAN card.

Step 1: Go to the “Personal CIBIL Score” section of the official CIBIL website. To get your free CIBIL score, click the link and fill out the required information.

Step 2: You may use other identity papers, such as your passport, voter ID, driver’s license, or ration card, if you don’t have a PAN card. Enter the ID number that you have selected.

Step 3: Choose your state, enter your PIN number, and enter your date of birth. After entering your cellphone number, choose “Accept and Continue.”

Step 4: Enter the OTP that was delivered to your mobile device to confirm your identification. Select “Continue.”

Step 5: Select whether you want to connect the gadget to your account. Choose “Yes” or “No” in accordance.

Step 6: After successfully registering, a page verifying the same will appear.

Step 7: To check your CIBIL score, click “Go to Dashboard.”

Your CIBIL score is influenced by many things, such as:

How extensive your credit history?
The historical trend of unpaid balances
Your credit card transaction history
The proportion of the total amount owed to the amount actually repaid
The quantity of newly established and closed accounts

You may make wise financial choices by using your CIBIL score, which will provide you with important information about the state of your credit.