Cibil Score Free Online with PAN CARD

Cibil Score Free Online with PAN CARD


It is not possible to obtain your CIBIL score for free online with just your PAN card. You will need to provide additional information such as your name, date of birth, contact details, and other personal and financial details to access your CIBIL score.

However, you can obtain your CIBIL score and credit report for free once a year from each of the four credit bureaus in India (CIBIL, Equifax, Experian, and CRIF High Mark). You can visit their respective websites and follow the instructions to obtain your free credit report.

Alternatively, you can also subscribe to a credit monitoring service offered by these credit bureaus or other financial institutions, which can provide you with regular updates on your credit score and report for a fee.

Firstly, CIBIL (Credit Information Bureau (India) Limited) is one of the leading credit bureaus in India, and it maintains credit information of individuals and companies. The bureau collects information on loans and credit card accounts, including payment history and outstanding balances, from various banks and financial institutions. This information is used to generate credit scores and credit reports for individuals and companies.

Cibil Score Free Online with PAN CARD


A CIBIL score is a 3-digit number that ranges from 300 to 900 and is calculated based on an individual’s credit history. A higher score indicates a good credit history and makes it easier to get approved for loans and credit cards. Banks and other financial institutions use CIBIL scores to assess creditworthiness and make lending decisions.

To access your CIBIL score, you can visit the official website of CIBIL ( and follow the instructions. You will need to provide personal and financial information, including your PAN card number, to verify your identity. CIBIL charges a fee for accessing your credit score and report, which varies based on the type of report you choose.

However, as I mentioned earlier, you can obtain your credit report and score for free once a year from each of the four credit bureaus in India. Here’s how you can do it:

Visit the respective websites of the credit bureaus – CIBIL, Equifax, Experian, and CRIF High Mark.

Click on the link for free credit report.

Fill out the form with your personal and financial details, including your PAN card number.

Authenticate your identity using the OTP sent to your registered mobile number or email address.

View your credit report and score.

Cibil Score Free Online with PAN CARD


It’s important to review your credit report regularly to ensure that it is accurate and up-to-date. Any errors or discrepancies in your credit report can negatively impact your credit score and make it harder for you to get approved for loans or credit cards.

In addition to accessing your credit report and score, you can also take steps to improve your creditworthiness. This includes paying your bills on time, maintaining a low credit utilization ratio, avoiding opening too many credit accounts at once, and regularly checking your credit report for errors.

Finally, it’s worth noting that there are other credit scoring models in use in India, such as the Equifax Credit Score and the Experian Credit Score. These models use different algorithms to calculate credit scores, so your score may vary depending on which model is used. Nonetheless, your credit report from any of the credit bureaus should provide a comprehensive overview of your credit history and help you identify areas for improvement.

Cibil Score Free Online with PAN CARD Click Here

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