CIBIL Score Check Free Online by PAN Number – Complete Guide

In today’s credit-driven world, knowing your CIBIL score is as essential as knowing your bank balance. Whether you're applying for a personal loan, a car loan, or even a credit card, your CIBIL score plays a decisive role in your approval chances. Thankfully, with just your PAN number, you can check your CIBIL score online for free—quickly, securely, and with no impact on your credit profile

What is a CIBIL Score?

The CIBIL score is a three-digit number ranging between 300 and 900, issued by TransUnion CIBIL, one of the four credit bureaus in India. This score reflects your creditworthiness based on your borrowing history, repayment patterns, and credit behaviour.

How to Check CIBIL Score Free Online by PAN Number – Step-by-Step Guide

Here’s how you can check your CIBIL score using your PAN online — free of cost:

Option 1: Check on CIBIL’s Official Website

Step 1: Visit the official site – https://www.cibil.com

Step 2: Click on “Get Your Free CIBIL Score” under the credit score tab.

Step 3: Fill in your details:

• Full Name (as per PAN)
• Date of Birth
• PAN Card Number
• Email ID
• Mobile Number

Step 4: Verify your identity through OTP sent to your mobile.

Step 5: Answer a few questions related to your credit accounts (loans or cards) for authentication.

Step 6: Once verified, your CIBIL score and credit report will be displayed on the dashboard.

📝 Note: You can access 1 free report every year directly from CIBIL. Additional checks may require a paid subscription.

Option 2: Check via Free Third-Party Platforms Using PAN

Several RBI-authorized fintech websites also allow free CIBIL score checks using PAN. These platforms also offer tools like credit improvement tips and EMI calculators.

1. Paisabazaar

• Requires basic details and PAN
• Free credit report and monthly updates

2. Wishfin

• Instant CIBIL report using PAN and mobile OTP
• Also provides personalized loan offers

3. BankBazaar

• Free CIBIL score in a few seconds
• Lifetime free access to credit report dashboard

4. OneScore App

• Available on Android & iOS
• Uses PAN-based signup and secure OTP verification
• Monthly free updates from both CIBIL and Experian
• No promotional calls or spam

5. CreditMantri

• URL: https://www.creditmantri.com/credit-score/
• Offers free credit analysis and score tracking

Benefits of Checking CIBIL Score Online Using PAN

Here are the major benefits of checking your credit score online with your PAN:

1. Instant and Free Access

Most platforms offer real-time access to your CIBIL score without charging anything.

2. No Impact on Score

These are soft inquiries, so checking your own score does not affect your credit health.

3. Track Your Credit Health

Frequent checks help monitor progress and keep errors in check.

4. Error Identification

You can spot incorrect information and raise disputes with the credit bureau.

5. Better Loan Approval Chances

Knowing your score helps you apply for the right loan products that match your credit profile.

Important Tips While Checking CIBIL Score Using PAN

• Use only RBI-approved platforms or the official CIBIL website.
• Never enter your PAN or OTP on unknown websites.
• Avoid checking from cyber cafés or public computers.
• Regularly download your credit report to ensure accuracy.
• Be cautious of paid offers that promise credit score improvement.

How to Improve Your CIBIL Score (If It's Low)?

If your score is below 700, take these steps to improve it:

• Pay EMIs and credit card dues on or before the due date.
• Maintain low credit utilization ratio (preferably below 30%)
• Avoid too many loan or credit card applications within a short period.
• Keep older credit accounts open for a longer credit history.
• Check your credit report frequently and report errors.

Final Words

Checking your CIBIL score online using your PAN number is not only easy but also a smart financial habit. It takes just 2–3 minutes, costs nothing, and gives you a clear view of your credit standing. Use official or trusted platforms, monitor monthly, and take corrective steps if needed to maintain a healthy credit score.

With a strong CIBIL score, you can unlock the best financial opportunities, whether it's a home loan, a car loan, or a premium credit card.