Can You Check Your CIBIL Score Using an Aadhaar Card? (Important Facts)

A high credit score is the gateway to affordable credit in India. You may need a loan to cover big-ticket expenses, such as home purchases, car purchases, or funding a wedding, education, medical emergencies, home renovations, and travel plans. However, when you apply for a personal loan, lending institutions use the CIBIL score to statistically represent your creditworthiness. Lenders, including banks and RBI regulated NBFCs like Hero FinCorp, evaluate your repayment capacity based on this 3-digit number ranging from 300 to 900.

As per RBI Fair Practices Code a high credit score projects you as a trustworthy borrower, helping you get faster loan approval at lower interest rates. Therefore, it is essential to check your credit score before applying for a loan to see where you stand.

Can you perform a cibil score check by aadhar card? While you cannot fetch a credit report using only an Aadhaar card, it serves as a primary document for e-KYC (Electronic Know Your Customer) verification. You will mandatorily need a Permanent Account Number (PAN) card for the purpose, as it is the primary financial identifier mapped by credit bureaus in India. In the following sections, you will learn more about the process.

How to Check Cibil Score with an Aadhaar Card?

A PAN card is the primary document containing information about all your financial and credit transactions. Although an Aadhar card is a valid identity and address proof under RBI’s KYC norms, you cannot effectively perform an Aadhar card cibil check solely using this document. The bureau requires the PAN to map your credit history accurately. These are the steps to check cibil score by aadhar card and PAN details on the official bureau site:

1. Visit the official CIBIL website.
2. Select 'Get your CIBIL Score’.
3. Login by entering your name, email address, and password.
4. Provide your PAN details (Mandatory for identity mapping).
5. Enter your date of birth, phone number, and PIN code.
6. Click 'Accept and continue.'
7. Create an Account.
8. Enter the OTP received on your registered mobile number.
9. Select 'Continue' and verify your identity.
10. Go to the dashboard, Click 'Member Login', and view your CIBIL score.

How Does One Access Their Credit Report?

A credit score is a 3-digit number that indicates your creditworthiness based on your past credit behaviour. On the other hand, a credit report is a detailed document containing information about your credit accounts, repayment history, outstanding balances, and credit age.

Obtaining the credit report is essential to monitor your credit history and take steps to bring it on track. Under the RBI Master Direction – Credit Information Reporting Directions, every Credit Information Company (CIC) must provide one Free Full Credit Report (FFCR) per calendar year to individuals upon request.

To perform an aadhar card cibil score check along with your full report, follow these steps:

1. Visit the official website of the CIBIL credit bureau.
2. Click on the 'Get Your Free Annual Credit Score’ option.
3. Choose a subscription plan only if you require multiple reports in a year.
4. Enter your details like your email address, mobile number, and PAN.
5. After verifying your details, the credit bureau will pull up your credit report.

As RBI mandates that lenders update credit data with bureaus every 15 days (fortnightly), with a transition toward weekly reporting. This ensures your report reflects the most current status. If you need more copies at regular intervals, you can subscribe to their plans. Current CIBIL subscription pricing is as follows:

Other Ways to Get Your Credit Score Online for Free!

Although you cannot perform a cibil score check with aadhar card number alone, there are a few other ways to check it online for free. You can conduct an online CIBIL score check by PAN number by visiting the portals of a regulated NBFC or a fintech aggregator. How to check cibil score with aadhaar card and PAN? Many lending platforms allow you to use Aadhaar for authentication while using the PAN to fetch the actual score.

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What Is the Importance of Your Credit Score?

Your credit score is important due to the following reasons:

• Faster Processing High scores signal reliability to lenders, allowing for automated approvals and significantly reducing the time spent on manual document verification.
• Lower Interest Rates Lenders reward low-risk borrowers with competitive pricing, helping you save thousands in interest costs over the life of a loan.
• Higher Limits A solid repayment history proves you can manage larger debts, encouraging financial institutions to offer higher credit card and loan ceilings.
• Pre-approved Offers: Maintaining an excellent score makes you a preferred customer, granting instant access to exclusive, low-hassle loan offers from top NBFCs.

Conclusion

Your CIBIL score is vital for loan application and approval. While a how to check credit score with aadhar card search might lead you here, remember that Aadhaar is used for KYC, while PAN is the key for credit retrieval. Check your credit score regularly via authorized bureaus (CIBIL, Experian, Equifax, or CRIF High Mark) to maintain a healthy financial future.

Frequently Asked Questions (FAQs)

Can I Check My Cibil Score Using Only My Aadhaar Card?

No. While Aadhaar is a primary document for e-KYC, it cannot be used as a standalone identifier to fetch a CIBIL score. You must provide your PAN (Permanent Account Number), as it is the unique identifier used by all 4 Credit Information Companies (CICs) in India to map your credit history across different lenders.

How Often Does My Cibil Score Get Updated Under The New RBI Rules?

As the RBI has mandated that all banks and regulated NBFCs must report credit information to bureaus every 15 days (fortnightly). Furthermore, the RBI is transitioning toward a weekly reporting cycle expected to be fully operational, meaning your repayments will reflect on your score much faster than in previous years.

Am I Entitled To A Free Credit Report Every Year?

Yes. According to the RBI Master Direction, every individual is entitled to one Free Full Credit Report (FFCR) per calendar year from each of the four credit bureaus: TransUnion CIBIL, Experian, Equifax, and CRIF High Mark. You can access this directly from their official websites.

What Should I Do If My Credit Report Shows An Error?

If you spot an inaccuracy (e.g., a closed loan appearing as "Open"), you can raise a dispute on the CIBIL Dispute Resolution Portal. Under RBI guidelines, the bureau and the concerned lender must resolve the dispute within 30 days. If delayed beyond 30 days, the borrower is entitled to a compensation of ₹100 per day from the defaulting entity.

Will Checking My Own Credit Score Lower It?

No. When you check your own score via the bureau or a regulated NBFC like Hero FinCorp, it is considered a "Soft Inquiry." Soft inquiries do not affect your credit score. Only "Hard Inquiries" (made by lenders when you apply for a new loan) can lead to a marginal dip in your score.

Can I Check My Cibil Score Without A PAN Card?

While PAN is the fastest way to fetch a score, you can use alternative IDs like a Passport, Voter ID, or Driver’s License on the official CIBIL website. However, the success rate depends on whether your bank has linked those specific IDs to your credit accounts.

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