Is It Possible to Check CIBIL Score With Aadhaar Card?

It’s not possible to check your CIBIL score using only your Aadhaar card. While the Aadhaar card can be an additional document you provide for verification, the PAN card is most widely used for a CIBIL check. This blog explains which other IDs CIBIL accepts and how to check your CIBIL score with them.

Can a CIBIL Score be Checked Using an Aadhaar Card?

While your Aadhaar can serve as additional KYC proof, it cannot retrieve your credit information on its own. 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.

That said, you do have a few other options for checking your score on the official CIBIL site.

Also Read: How to Check & Download CIBIL Credit Report Online

What ID Do You Need to Check Your CIBIL Score?

When you request a CIBIL score check, you must submit an accepted ID credential. The official CIBIL website does not offer an Aadhaar card as an option. However, there are plenty of other ID options, of which you are likely to have at least one:

• PAN card (typically the primary document for any credit score logins or checks)

• Passport 

• Voter ID 

• Driver’s Licence

• Ration Card

Also Read: What Is a Good CIBIL Score Value In India?

How to Check Your CIBIL Score Online

Checking your CIBIL score online is simple if you have your PAN card. Follow these steps for a hassle-free experience:

• Visit the official CIBIL website and create an account if you don’t already have one.

• Click on ‘Get Your Free Credit Score & Report’ if you want to check your CIBIL score once a year. Alternatively, subscribe to their plans (Basic, Standard or Premium) if you wish to have unlimited access to your credit report.

• Enter personal details such as name, D.O.B., PIN code, and mobile number; select your ID type, then enter the ID number.

• Click on ‘Accept and Continue’.

• Enter the OTP you received on your mobile.

• You’ll now be prompted to pair the device. Click on ‘No’ if you’re using a shared network.

• Click on ‘Continue’; after this, you’ll be able to access your Dashboard.

• Here you’ll be able to view or download your CIBIL report, check your payment history, and further verify other personal information.

If you check your CIBIL score report through third-party financial websites or mobile apps, the process and requirements may vary slightly.

Check Credit Score for Free

Check your CIBIL score for free with Poonawalla Fincorp. Follow the steps below for calculating a credit score:

Step 1: Go to the Poonawalla Fincorp website and click on ‘Resources’ in the top right corner of the screen. 
Step 2: Select “Check CIBIL Score”.
Step 3: Enter your details, such as first name, last name, PAN number, and mobile number.
Step 4: Verify your OTP and enter your date of birth, PIN code, and gender. Hit the ‘Submit’ button.

Also Read: 11 CIBIL Score Myths Busted!

To Conclude

You cannot check your CIBIL score using only an Aadhaar card, as it is not linked to your credit history. The PAN card remains the primary document for credit score checks because it connects all your financial activities. However, other IDs, such as Passport, Voter ID, and Driver’s License, are also accepted. For a quick, hassle-free experience, use your PAN card to check your CIBIL score on the official CIBIL website or on trusted financial platforms like Poonawalla Fincorp. Staying informed about your credit score is the first step toward better credit health.

FAQs

How do I log in to my CIBIL account?

Visit the official CIBIL website, click on Login, enter your registered email ID and password, and verify with the OTP sent to your mobile. Once authenticated, you can access your credit score and report from your dashboard.

Why is a PAN card required for checking my CIBIL score?

The PAN card uniquely tracks your credit and loan accounts across India, making it the single source for credit bureaus to collect your borrowing and repayment information. CIBIL offers alternatives to the PAN card for accessing your score.

What other documents are accepted for a CIBIL score check?

 The CIBIL site lets you choose from your passport, voter ID, driver’s license, and ration card, in addition to your PAN. You may be able to use some of these for verification on some third-party platforms, but these are rarely accepted for detailed bureau checks.

How often can I check my CIBIL score for free?

You are entitled to one free credit report per year per credit bureau, as per Reserve Bank of India guidelines. Additional checks may carry a fee.

What is a good credit score and why is it important?

A good credit score typically lies above 700, more specifically falling in the range of 700 to 749. Anything above is a good credit score and demonstrates good credit history. Having a good credit score opens the door to better loan offers, lower interest rates, and higher credit limits.

How can I improve my credit rating?

To improve your credit rating, focus on making timely payments, reducing outstanding debt, and avoiding frequent credit enquiries. Keep your credit utilisation low (ideally below 30% of your credit limit), and ensure that your credit report is free from errors.

What happens if I miss a payment on my loan or credit card?

Missing a payment can negatively impact your credit score and lower your credit rating. Late payments are reported to credit bureaus, and even one missed payment can stay on your credit report for up to seven years.