Numerous individuals believe that PAN is the sole option through which they can check their CIBIL score. But what if you lost your PAN card? Or maybe you never applied for one? In such cases, it’s still possible to do a CIBIL check without PAN. With a few simple steps and the right documents, you can easily see your credit score online.
This guide illustrates the process in a very simple manner so that it is easily understandable by anyone.
The Main Reason That PAN Is Usually Necessary
The fastest way to get your credit file is through PAN, as all banking accounts and loans are connected to it. But credit bureaus do not only rely on this number; they also have other information like your name, date of birth, phone number, and Aadhaar to retrieve your information.
That is why credit score verification alternatives exist for people who don’t have their PAN card with them.
Is It Possible to Really Check CIBIL Without PAN?
Yes, it is possible. The majority of credit bureaus facilitate a CIBIL check without PAN by means of,
- Mobile number
- Aadhaar number
- Date of birth
- Full name
This helps people who are new to credit or facing a temporary PAN issue.
What You Can Use Instead of PAN
| Option | Works for CIBIL? | How It Helps |
| Aadhaar Number | Yes | Good for a CIBIL check using an Aadhaar card |
| Mobile Number | Yes | Works when verified with OTP |
| Passport | Yes | Another credit score verification alternative |
| Voter ID | Sometimes | Not always accepted online |
Methods to Check Your CIBIL Score Without PAN
1. Verify Using Your Mobile Number
Various platforms let you perform a CIBIL check through your mobile number. You simply provide your phone number, receive an OTP, and establish your identity.
This method works when your number is linked to your past bank loans or accounts. You can use this method for your CIBIL check without PAN easily, especially if you have never changed your phone number.
2. Check Using Aadhaar
Nowadays, Aadhaar is more or less the same as a passport. You can do a CIBIL check with an Aadhaar card, which will get you through the verification process.
Just provide,
- Aadhaar number
- Date of birth
- Full name
Next, you will get an OTP, and your credit score will be displayed. This process has become a very effective option in the form of an alternate method to verify one’s credit report.
3. Check With Personal Details
In case you do not have PAN and Aadhaar, you can still use your basic details,
- Name
- Date of birth
- Email ID
- Address
This form helps people who want to know how to check CIBIL without ID proof when their documents are missing. Although it could take a little longer, it still works.
Why Your Score May Not Appear Sometimes
In some instances, a CIBIL check without PAN may fail. This happens due to,
- The phone number you provided is no longer the same
- Your Aadhaar number is not connected to your bank accounts
- Your name is spelt differently on documents
- No previous credit history
Even the top credit score verification options might not be able to do it right away in these cases.
Reasons Your Score May Not Show
| Reason | What You Can Do |
| Name mismatch | Update bank KYC records |
| Wrong phone number | Link the number with the bank ASAP |
| No credit history | Start with a small loan or secured card |
| Aadhaar not updated | Correct details on the UIDAI website |
Is It Safe to Check CIBIL Without PAN?
Yes, provided that you are accessing official or trustworthy websites. Avoid platforms that ask for too much personal information.
Always go for websites that have OTP verification. This guarantees the safety of your information.
Suggestions for Effortless Process
- Always serve the same mobile number connected to your bank
- Have Aadhaar ready
- Do not allow differences in the spelling of your name
- Use the same format of date of birth in all instances
- Make sure your KYC information is current
Even if you go with Aadhaar or mobile number, these steps make how to check CIBIL without ID proof a lot easier.
Conclusion
Doing a CIBIL check without PAN is completely possible and easier than many people think. You can use your Aadhaar, phone number or personal details to find your score. With tools like CIBIL check using mobile number and CIBIL check using Aadhaar card, you don’t need to wait for your PAN card. These simple credit score verification alternatives ensure you stay updated about your financial health anytime.
