How to Get a CIBIL Score Without PAN Card?

Get a CIBIL Score Without PAN Card
Get a CIBIL Score Without PAN Card

In India, the CIBIL score is a crucial metric used by financial institutions to determine the creditworthiness of individuals. While the PAN card is commonly used to check one’s credit score, not everyone may possess this identification. Fortunately, there are alternative ways to access your CIBIL score without a PAN card.

The CIBIL (Credit Information Bureau India Limited) score plays a pivotal role in financial institutions’ decision-making process regarding loan and credit card approvals. It is typically linked to the individual’s PAN card, but what happens if you don’t have one? This article will guide you through the process of obtaining your CIBIL score without a PAN card, explore the factors that affect your score, and answer frequently asked questions regarding this process.

Also Read: What is the Swiggy’s Current Valuation by Invesco?

How to Get a CIBIL Score Without a PAN Card

If you do not have a PAN card, you can still obtain your CIBIL score by following these steps:

  1. Visit the Official CIBIL Website: Go to CIBIL’s official website and navigate to the section labelled ‘Personal CIBIL Score’. Click on ‘Get Your Free CIBIL Score’.
  2. Provide Alternative Identification: In the absence of a PAN card, you can use any of the following documents to proceed:
    • Passport
    • Voter ID
    • Driver’s License
    • Ration Card Enter the number of the identification document you choose.
  3. Enter Personal Details: Submit your date of birth, the PIN code of your area, select your state, and enter your mobile number. Then, click on ‘Accept and Continue’.
  4. OTP for Verification: You’ll receive an OTP on your mobile device for identity verification. Enter this OTP on the website to proceed.
  5. Linking Device: Decide whether or not you want to link the device with your CIBIL account.
  6. Registration Confirmation: Once registration is complete, a confirmation page will appear.
  7. Accessing the Dashboard: Finally, click on ‘Go to Dashboard’ where you can view your CIBIL score.

What are the Factors That Affect the New CIBIL Score?

Several factors can affect your CIBIL score, including:

  • Depth of Credit History: Length of time since your oldest credit account was opened.
  • Trend of Outstanding Balances: How you manage the balance over time.
  • Transaction History on Credit Cards: Frequency and amount of transactions.
  • Repayment Ratio: Proportion of the repayment amount to the total due.
  • Account Activity: Number of new accounts opened versus closed.


Yes, you can use alternative documents such as a passport, voter ID, driver’s license, or ration card.

You can use a passport, voter ID, driver’s license, or ration card.

No, it is not mandatory. While a PAN card is a common method, alternative IDs are accepted.

No, there are no limitations or restrictions; you can still access your full CIBIL score using alternative documents.

You can prove your identity using other government-issued IDs like a passport or driver’s license.

No additional steps are required beyond choosing a different form of identification.

No, not having a PAN card does not affect your credit score or history directly.

Yes, you can apply for loans or credit cards if you meet the lender’s criteria, which typically includes alternative identification verification.

No specific requirements, just the need for an alternative government-issued ID.

Not having a PAN card has no direct implications on your CIBIL score or creditworthiness, as long as you maintain healthy credit habits and use alternative IDs for verification processes

Similar Posts

Leave a Reply

Your email address will not be published. Required fields are marked *