Your PAN card holds more power than you think – especially when it comes to your financial health. With just your PAN, you can instantly check your credit score and take charge of your financial journey. It’s simple, quick, and completely free. In this blog, we will show how to check your credit score using your PAN card and knowing your score puts you one step ahead when planning your financial future. Read on!
Why is PAN Card Required to Check Credit Score?

Your PAN (Permanent Account Number) is more than just a tax ID, it is your financial fingerprint. Credit bureaus use it to track your credit activity across different lenders and accounts. That’s why it’s the most efficient way to access your credit score instantly. No need to dig out multiple documents, your PAN alone does the job.
How to Check Your Credit Score Using PAN Card?
Ready to take the first step towards financial confidence? Here’s how:
Step 1: Visit a trusted Credit Bureau
Start by visiting a trusted bureau like TransUnion (CIBIL), Equifax, Experian. You can also check your score through Poonawalla Fincorp.
Step 2: Navigate to “Check Credit Score” or “Get Free Credit Report”
Most platforms offer cost-free access to your credit score. Look for the “Check Your Credit Score” option on the website.
Step 3: Enter Your PAN Card and Other Details
Fill in your name (as per PAN), PAN number, date of birth, mobile number, and email ID.
Step 4: Verify With OTP
You will receive a one-time password on your registered mobile number. Enter it to verify your identity.
Step 5: View Your Credit Score
That’s it. Your score will be displayed on the screen and/or sent to your email - ready for review.
Effect of PAN Change on Your Credit Score
Your credit score is linked to your PAN card, which acts as your
unique financial identity across credit bureaus. If you change or
update your PAN, it may temporarily impact your credit history
tracking. Here’s how it can affect you:
• A temporary drop or
inaccurate reflection of your credit score
• A blank or low
score if bureaus cannot link your PAN to your existing credit
history
• Loan/credit card application rejection
However,
if updated accurately and linked properly, there will be no impact on
your credit history.
What Do If PAN Card Has Been Changed
• Inform all your banks and NBFCs about PAN update
•
Link your new PAN with your existing accounts
• Check your
credit score after the update to ensure continuity
• If any
discrepancy arises, raise a dispute with the credit bureau
If you
have made a correction to your PAN card (e.g., name, spelling) and not
issued a completely new PAN number, there is no impact as long as the
number remains the same.
How Often Should You Check Your Credit Score
You can check your credit score:
• Once a month, for
regular monitoring
• Before applying for a loan or credit
card
• Before clearing a significant debt
• If you
suspect identity theft or irregularities
Tips to Improve and Maintain a Healthy Credit Score
Here are the tips:
• Pay EMIs and credit card bills on
time
• Maintain a low credit utilization ratio (under 30%)
• Avoid multiple hard inquiries in a short time
• Keep old
accounts open to build credit history
• Regularly check your
credit report for errors.
To Conclude
Your credit score is more that just a number – it is your financial foundation. And with your PAN card, checking it is easier than ever. Whether you are planning a big milestone or simply want to stay in control of your finances, knowing your credit score puts you on the front foot. Take a minute today, check your credit score, and move forward with confidence.
FAQs
1. Does checking credit score with PAN affect
credit score?
No, checking your credit score using
your PAN is considered a soft inquiry and does not impact your
score.
2. Can I check my credit score without
PAN card?
In India, it is mandatory to provide PAN
for credit score checks as it is the primary identification used
by credit bureaus.
3. Is it safe to use PAN for
checking credit score?
Yes, as long as you use
trusted platforms like Poonawalla Fincorp or official credit bureau
websites. Avoid unknown or unverified portals to protect your
data.
4. Which is the best site to check credit
score using PAN card?
You can check through CIBIL, Experian, Equifax or
trusted financial platforms like Poonawalla Fincorp.
About the Author
We take utmost care to provide information based on internal data and reliable sources. However, this article and associated web pages provide generic information for reference purposes only. Readers must make an informed decision by reviewing the products offered and the terms and conditions. Loan disbursal is at the sole discretion of Poonawalla Fincorp.
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