How To Get Your CIBIL Score Without a PAN Card

CIBIl Score Check

The Credit Information Bureau (India) Limited, commonly known as CIBIL, is a credit information company that plays a pivotal role in the financial sector. It provides credit scores for individuals, which are essential for banks and other financial institutions when considering extending credit cards or loans to borrowers.

The CIBIL score is a reflection of an individual’s credit history, which includes their past credit behaviors such as how they managed their loans and credit card debts. This score is calculated by CIBIL using a proprietary method, with the most significant factors being the individual’s previous credit behaviors.

A high CIBIL score indicates that the individual has managed their credit responsibly, making them a favorable candidate for credit extension.

Here’s how you can get your CIBIL score without a PAN card:

Step 1: Go to the official CIBIL website and select ‘Personal CIBIL Score.’ Then, click on ‘Get Your Free CIBIL Score.‘ You will be redirected to a page where you need to fill in your details.


Step 2: If you do not possess a PAN Card, you can opt for any of the following identification documents and provide the respective ID number:

  • Passport
  • Voter ID
  • Driver’s license
  • Ration card

Step 3: Provide your date of birth, PIN code, and select your state. Then, enter your mobile number and click on ‘Accept and Continue.

Step 4: An OTP will be sent to your mobile device for identity verification. Enter this OTP on the subsequent screen and click ‘Continue.’

Step 5: You will be asked if you wish to link your device with your account. Make a selection based on your preference.

Step 6: A confirmation page will appear stating ‘You have successfully registered!’

Step 7: Click on ‘Go to Dashboard’ to view your CIBIL score.

Your CIBIL score is a three-digit number ranging from 300 to 900. It serves as a measure of your creditworthiness and loan repayment capacity. The closer your score is to 900, the higher your chances of having your loan application approved.

The factors that influence your CIBIL score include:

  • Depth of credit (i.e., the length of your credit history, calculated from the date your oldest credit account was opened)
  • Long-term trend of outstanding balances
  • Transaction history on credit cards
  • Ratio of actual repayment amount to total amount due
  • Number of new accounts opened and number of accounts closed.

These factors collectively contribute to the calculation of your CIBIL score, providing a comprehensive overview of your credit history and financial behavior.

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