Your Aadhaar card is an important document required for various needs of identity verification and KYC purposes. Even then, it is not possible to check your CIBIL score using only your Aadhaar card. Instead, you'll need your PAN card details to check your CIBIL score, as your credit history is tied to your PAN (Permanent Account Number). Your Aadhaar card can serve as an additional document alongside your PAN card when checking your CIBIL score.
Can You Check CIBIL Score With an Aadhaar Card?
Most financial portals do not accept Aadhaar cards for credit score retrieval and instead require your PAN card. This is because your PAN is linked to all your loan accounts, credit cards, and tax records, making it an essential document for any credit checks.
Why is a PAN Card Required?
The PAN card serves an essential function in the credit reporting system in India. Credit bureaus typically use PAN credentials of an individual for linking credit accounts, tracking repayment activity, and maintaining a precise credit record. Generally, when you verify your CIBIL score online, the system utilises your PAN along with additional identifying data to match your records and build your credit report and score.
Thus, the PAN card is the most used and preferred document for reviewing your CIBIL score and obtaining your credit report.
Can Aadhaar Be Used for Verification?
There are limited circumstances in which Aadhaar can be used as a secondary document for KYC. Some online platforms might ask for your Aadhaar details along with your PAN Card. However, it can't replace the PAN card utility in obtaining the CIBIL score.
Aadhaar can help you establish your identification; however, credit bureaus typically use PAN details and other personal information to accurately match and obtain your credit records.
What Documents Can You Use to Check Your CIBIL Score?
If Aadhaar is not accepted as the identification document you are using, you can use other documents, subject to CIBIL’s policies and requirements.
Accepted Documents for CIBIL Verification
|
Document Type |
Accepted for Verification |
|
PAN Card |
Yes (mandatory) |
|
Passport |
Yes |
|
Voter ID |
Yes |
|
Driver's Licence |
Yes |
|
Ration Card |
Yes |
|
Aadhaar Card |
Additional verification only |
Among all identification documents, the PAN card remains the most widely used option to check your CIBIL score.
How To Check CIBIL Score Online?
Here are the easy steps to follow for quick access to your CIBIL score:
- Register or sign in to your existing account on the official CIBIL website:
- Next, enter your personal details such as your name, birth date, and contact number.
- Then, select your identification document and enter the relevant ID details.
- Next, you need to verify your identity through OTP or in any other way as requested by the platform.
- After verification, you can check your CIBIL score online.
Note: The method and verification criteria may change slightly over time when the official CIBIL site and associated processes are updated.
How To Check Your CIBIL Score Through Financial Platforms
You can also check your CIBIL score through any other credible financial sites/credit service providers. However, keep the following points in mind:
- You can search for a reliable financial site to verify the CIBIL score.
- Provide all of the personal details requested, including your name, date of birth, mobile number and other information.
- Follow platform-specific instructions to enter the OTP or other type of authentication to complete the verification procedure.
- After your identity is confirmed, you can easily access your CIBIL score online.
Many financial websites now provide users with free access to their credit scores and offer additional credit monitoring services. Regularly checking your CIBIL score helps you stay informed about your credit health and borrowing profile.
To Conclude
Your Aadhaar Number may be used to verify your identity; however, it is not the primary document used to get your CIBIL score. The PAN card is an essential document as it links to your loan history, credit history, and credit cards. To maintain strong credit health, it is important to check your CIBIL score regularly.
Having an excellent credit score can open up more financial opportunities for you. Check your CIBIL score for free with Poonawalla Fincorp and monitor your credit progress easily!
Read Also: How to Get a 900 Credit Score – Tips to Improve CIBIL
FAQs
What is a good CIBIL score?
Generally, a CIBIL score higher than 750 is considered good.
What does a CIBIL score between 300 and 900 mean?
CIBIL score varies from 300 to 900, and the higher the score, the better the creditworthiness. In general, a higher credit score can boost your chances of getting a loan or credit card.
Why is it important to check my CIBIL score regularly?
Frequent checking of your CIBIL score can help keep you informed of any discrepancies on your credit report.
Does checking my own CIBIL with Aadhaar online affect it?
No, checking your own CIBIL score is considered a soft inquiry. It does not affect your credit score in any way.
Can I access my CIBIL score for free?
Yes, you can access your CIBIL score for free through the service offered by Poonawalla Fincorp, subject to applicable credit bureau guidelines.
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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