To check your CIBIL score with a PAN card, go to the official TransUnion CIBIL website or an authorized platform. Enter your PAN, date of birth, mobile number, and email address, and then verify your identity with an OTP to have fast access without affecting your score. This technique connects to your financial history linked to the PAN and gives you a free annual check from CIBIL. After that, you usually simply need to log in with a mobile OTP for further checks.
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You can easily check your CIBIL score online in just a few simple steps using your PAN:
Visit the official CIBIL website or any authorised credit score partner.
Enter your basic details: Full name, date of birth, mobile number, email ID, and PAN card number.
Verify your identity through a one-time password (OTP) sent to your registered mobile number or email.
Access your credit score instantly after authentication. You can also download your detailed credit report, which reflects your active and closed credit accounts, payment history, and inquiry records.
Your PAN card helps ensure that only your credit information is fetched, maintaining accuracy and privacy.
PAN Card Role in Credit Reports
The PAN is a unique 10-digit number that is used for all financial transactions, tax records, loans, and credit cards. This lets credit bureaus put together reliable information. Lenders require it for applications since it stops fraud and makes sure that all of a person's history is available during score checks. It can be hard to get reports without a PAN link. However, in some circumstances, there are other options like Aadhaar.
PAN Changes and CIBIL Impact
If you lose your card and get a new one with the same PAN number, your credit history and score will stay the same. Give up any excess PANs right as to avoid problems with your records and fines. New PANs mess up the mapping of earlier transactions, which could lose history or make mistakes that hurt approvals. Always link Aadhaar to the main PAN.
CIBIL Score Ranges
Below are the CIBIL score ranges that will determine if your score is good or bad:
Does a Duplicate or New PAN Affect Your CIBIL Score?
The PAN number is permanent, thus changing the card doesn't affect your credit score or history. But it's important to keep only one legitimate PAN for the rest of your life.
When You Get a Duplicate PAN Card
If you lose, damage, or have your PAN card stolen and ask for a new one, your credit score won't alter because the PAN number stays the same. You can also get an ePAN card, which is a digital copy that NSDL or UTIITSL sends you right away.
When You Have Multiple PANs
It is against the law to have more than one PAN, and you could face fines if you do. If you have two, give up the extra one right away. Having more than one PAN might also make your credit history hard to understand and cause problems with your credit report.
When Issued a New PAN
If you already have a PAN, don't apply for a new one. To keep a single credit record, all financial transactions should be linked to the same PAN. If you lost your card, you can get a new one printed or download an ePAN. Also, make sure all your credit and tax information stays up to date by linking your Aadhaar to your main PAN.
Factors Affecting CIBIL Score
Your credit score is affected by how you handle your money, whether or not you have your PAN linked. Here are four big things that can hurt your CIBIL score:
Payments that are late or missed: Credit bureaus will flag your PAN if you don't pay your EMIs or credit card bills on time. This shows that you don't have good repayment discipline. To maintain your score healthy, you need to keep a regular payment history.
Applying for credit often: When you apply for a loan or credit card, lenders do a "hard inquiry" using your PAN. If you make a lot of queries in a short amount of time, it can show that you need credit and lower your score for a short time.
A high credit utilization ratio: If you use more than 30% of your overall credit limit, it means you depend on borrowed money to get by. Keeping your CUR low shows that you can better control your spending and makes you more creditworthy.
Credit Mix That Isn't Balanced: Having a mix of secured loans (like a home or auto loan) and unsecured loans (like a personal loan or credit card) shows that you are a responsible borrower. If you rely too much on unsecured credit products, your total score may go down.
Key Takeaway
Using your PAN card to check your CIBIL score is a quick, safe, and simple way to get a clear picture of your financial health. Your PAN is a permanent identification that is linked to all of your credit actions. Keeping one legitimate PAN and acting responsibly with credit will help you keep a stable credit history and get loans approved more easily in the future.
FAQs
Will changing my signature on the PAN card impact my credit score?
Changing your signature does not directly affect your credit score. While it’s advisable to avoid unnecessary signature changes to prevent identity or verification issues, any genuine update of signature on your PAN card will not influence your CIBIL score.
What should I do if I find an error in my CIBIL report generated through PAN card?
If you notice any inaccuracies or mismatched details in your CIBIL report, you should raise a dispute with TransUnion CIBIL. Submit the online dispute resolution form to get the error corrected quickly.
Is there any cost to check CIBIL score using a PAN card?
When you check your credit score on TransUnion CIBIL’s official site, you can do so free of charge once a year. For further checks, a paid subscription is required.
Will updating my PAN card affect my CIBIL score?
No, updating your PAN card will not impact your CIBIL score. Your PAN number remains unchanged, and only the personal details on the card are updated, leaving your credit score unaffected.
How does a change in PAN affect my CIBIL score?
Your CIBIL score depends on the credit information linked to your PAN. If a wrong PAN is mentioned or updated in your report, it could lead to errors or a variation in your actual score. You should get such discrepancies corrected immediately to prevent any negative impact on future credit applications.
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.
Past 10 Years' annualised returns as on 01-12-2025
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
*All savings are provided by the insurer as per the IRDAI approved insurance plan.
Tax benefit is subject to changes in tax laws. Standard T&C Apply
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).
Generate wealth Earn 1 Cr# in maturity with Zero LTCG tax¶
Double tax savings^ On premiums (under 80C) and on maturity (under 10(10D))
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