How to Check CIBIL Score Online Without PAN Card

Checking your CIBIL score is a very important part of managing your finances, especially when you are applying for any loans or credit cards.

While a PAN card is commonly used for identification purposes at the time of the credit check, there may be situations where you may not have your PAN card handy.

Fortunately, the fact that you do not have your PAN Card does not hinder you from carrying out an online CIBIL score check. Although a PAN card is required for getting a CIBIL credit report, it is not required if you need to access your CIBIL score.

You will need to provide some personal and financial information and some other alternate identification documents to carry out an online CIBIL score check using CIBIL’s portal or using any third-party credit score provider.

Let's know more about it here.

What Is a CIBIL Score and Its Importance?

A CIBIL score is a three-digit number calculated on a scale of 300-900 that indicates an individual's creditworthiness.

The CIBIL score is of tremendous importance in determining an individual's credit history and creditworthiness.

This score is used by financial institutions to evaluate the risk an individual poses to them.

Why Check Your CIBIL Score Without a PAN Card?

PAN or Permanent Account Number is a card issued by the Indian Income Tax Department for credit verification. There could be several scenarios when you may not have your PAN card. For instance, you may have lost your PAN card, applied for a new one, or forgotten the number.

In such situations, if you require access to a credit report to understand your credit history, you can still check your CIBIL score without a PAN card.

Also Read - How to Increase CIBIL Score: Smart Tips to Improve Your Creditworthiness!

Ways to Check CIBIL Score Without PAN Card

Here is how you can complete a CIBIL score check without a PAN card-

1. Use Aadhaar Card for Verification

Many credit platforms allow users to check their credit score by entering their Aadhaar number along with OTP verification linked to the registered mobile number.

2. Provide Voter ID Details

A Voter ID card can also serve as a valid identity proof when requesting your credit information from agencies like TransUnion CIBIL.

Use a Driving License

A government-issued driving license is another accepted document that can help verify your identity when requesting a CIBIL score check without a PAN card.

Use Services from Hero FinCorp

Financial institutions such as Hero FinCorp allow users to easily access their credit score through simple digital verification processes. This makes it easier to monitor credit health even if a PAN card is not available.

Step-by-Step Guide to Check CIBIL Score Without PAN

Many financial institutions, including Hero FinCorp, provide simple online tools that allow users to verify their credit score quickly. Follow these easy steps for a smooth Hero FinCorp CIBIL score check process.

1. Visit the official website or app and navigate to the section that allows you to check your credit score online.
2. Choose the ‘Check CIBIL Score’ option that allows verification without a PAN card.
3. Provide basic information such as your full name, mobile number, date of birth, and address.
4. Upload alternative identity proof, such as an Aadhaar card, a voter ID, or a driving license, for identity verification.
5. Complete OTP verification to confirm your identity and proceed with the request.
6. Access and download your report for future reference.

Important Tips While Checking CIBIL Score Without PAN Card

When you want to check your CIBIL score without a PAN card, you need to be careful and ensure your personal and financial information is safe. A few of the precautions you can take are-

• Always go to a reliable lending platform to verify your identity through documents like your Aadhaar card, voter ID or driving licence.
• When entering details such as your Aadhaar number, mobile number, or date of birth, make sure the website is secure.
• Read reviews or confirm whether the platform you are using is partnered with recognised credit bureaus.

Benefits of Using for CIBIL Score Check Without PAN

Using Hero FinCorp to check your CIBIL score without a PAN card is really helpful. This is especially true for people who do not have their PAN card details available.

The main advantages of using HeroFinCorp are-

• The website is easy to use. It is simple for people to check their CIBIL score even if they are doing it for the first time.
• Hero FinCorp gives you a free credit report, which helps you understand your credit standing easily.

The platform also provides advice on managing your credit, along with your CIBIL score.

Also Read: How to Check Active Loan on PAN Card - Step-by-Step Guide

Check Your Cibil Score Today

It is very important to keep track of your credit health if you want to plan your money. Even if you do not have a PAN card, you can still check your CIBIL score on trusted websites that use other ways to verify your identity.

Using a platform like Hero FinCorp's instant loan app, you can not only avail credit but can also quickly and easily check your CIBIL score. Apart from the credit information, you also get useful tips to help you manage your credit profile.

Frequently Asked Questions

1. Can I check my CIBIL score without a PAN card?

Yes, you can check your CIBIL score without a PAN card on some websites that let you verify your identity with other documents.

2. What documents can I use if I do not have a PAN card?

You can use documents like an Aadhaar card, a Voter ID, a Driving License or a Passport to prove your identity.

3. Do I have to pay to check my CIBIL score without a PAN card?

Yes, some websites let you check your CIBIL score for free without a PAN card. It depends on the website you use.

Disclaimer: The information provided in this blog post is intended for informational purposes only. The content is based on research and opinions available at the time of writing. While we strive to ensure accuracy, we do not claim to be exhaustive or definitive. Readers are advised to independently verify any details mentioned here, such as specifications, features, and availability, before making any decisions. Hero FinCorp does not take responsibility for any discrepancies, inaccuracies, or changes that may occur after the publication of this blog. The choice to rely on the information presented herein is at the reader's discretion, and we recommend consulting official sources and experts for the most up-to-date and accurate information about the featured products.