check cibil score by pan card

How to Check Your CIBIL Score Using PAN Card: Step-by-Step Guide

April 20, 2023 • 621 views

Any individual who wishes to avail of a loan to meet their personal, professional or business requirements knows the importance of a CIBIL score. It is an extremely important number that is used by lenders to determine the creditworthiness of a borrower. In simple terms, a CIBIL score is a three-digit number between 300 and 900 that determines the creditworthiness of the borrower based on his/her past repayment behaviour. The Higher your credit score, the better you are considered as a borrower. 

Why PAN Card is Important to Check CIBIL Score?

If you want to check your CIBIL score, you can go to the website of lenders such as Poonawalla Fincorp and check it. For checking your CIBIL score, you need to key in a few details, the most important being your PAN Card Number. Your PAN is linked to your financial transactions. Every time you perform a financial transaction, it gets logged against your PAN Number. Consequently, CIBIL uses your PAN Number to aggregate all your financial transactions such as loans, credit cards, etc. Hence, PAN Card or PAN Number is important to check your CIBIL score.

CIBIL Score Range

It is always better to have a high CIBIL score. The closer it is to 900, the better it is considered. A high CIBIL score enhances your chances of getting:

  • Approval for a loan
  • Low-interest rate on the loan
  • High loan amount
  • Better repayment terms

The following table shows the indicative range for the CIBIL score. Please note that these ranges are only indicative, not sacrosanct. The thumb rule to be followed is, the higher the CIBIL score, the better your chances of loan approval and good terms.

CIBIL Score Range


550 or below


Between 550 and 649


Between 650 and 699


Between 700 and 749


Between 750 and 900



Steps to check CIBIL score by PAN Card

If you wish to check your CIBIL Score online for free using your PAN Card, you can go to the website of a modern-age lender such as Poonawalla Fincorp. Following are the steps to check your CIBIL score with PAN Card:

Within a few seconds, your CIBIL score will be displayed on the screen. If you want a detailed report, click the “View Report” button. You will get a detailed list of all the credit facilities you have availed of – loans, credit cards, etc.

Frequently Asked Questions

  • Can I check my CIBIL score online for free?

You can check your CIBIL score online for free by visiting

  • Is CIBIL based on a PAN card?

Since all your financial transactions are reflected in your PAN number, it is essential to enter your PAN number to get your CIBIL score.

  • How to Find the Exact Cibil Score?

Follow the steps mentioned above in the section – “Steps to check CIBIL score by PAN Card”

  • Is it possible to check my CIBIL score if I don’t have a PAN card?

Yes. It is possible to check your CIBIL score even if you do not have a PAN Card. You will need to furnish other details such as your name, address, date of birth, passport number, voter’s ID, etc. However, it is best to check your CIBIL score by PAN card. 

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