Friends, if you’re considering a loan or getting a credit card, checking your CIBIL score is essential! This score tells you how reliable a borrower you are. People typically check using their PAN, but if you don’t have one, don’t worry.
Today, I’ll explain how you can check your CIBIL score without a PAN—using your mobile number, email address, or Aadhaar. These steps are extremely simple, and there are both free and paid options. Let’s get straight to the point and see how!
What is a CIBIL score and why does it matter?
First, a quick overview: Your CIBIL score ranges from 300 to 900, based on your loan payments, credit card bills, and financial history. A score of 750+ is good; banks approve loans more quickly. Checking without a PAN is possible because CIBIL accepts alternative IDs like mobile or email. You get a free check once a year, paid later.
Option 1: Check via Mobile/Email from the CIBIL Website
The easiest way is through the official CIBIL site. Follow these steps without a PAN:
- Open your browser and go to cibil.com.
- Click on “Get Your CIBIL Score.”
- If you don’t have a PAN, select the “I don’t have a PAN” option (if it’s displayed, contact support).
- Enter your full name, date of birth, mobile number, and email ID.
- Verify the OTP that will be sent to your mobile.
- Enter your address and ID proof, such as your Aadhaar number (you can link your Aadhaar).
- Submit, and your score will be displayed on the dashboard.
The first time is free; a ₹550 charge may apply. The score report will also be emailed.
Option 2: Quick Check with Aadhaar OTP
If you have Aadhaar, here’s a great trick:
- Download the CIBIL app or log in to the site.
- Select Aadhaar when registering as a new user.
- Enter your Aadhaar number and an OTP will be sent from UIDAI.
- Verify by entering the OTP – no PAN required.
- Fill in basic details like name and mobile number.
- Your score will appear on the dashboard, and you can download the report.
This is secure because Aadhaar e-KYC is used. If an error occurs, call the CIBIL helpline at 1800-224-242.
Option 3: Register without a PAN using banks or apps
Some banks and apps offer alternative methods:
- BankBazaar or PaisaBazaar: Visit these sites and register using your mobile phone. PAN is optional. You can access your score via email or mobile phone. There’s a free trial.
- SBI or HDFC App: If you have an account, check it by verifying your mobile number in the CIBIL section through net banking.
- CreditMantri App: Free score check using Aadhaar or mobile; works even without a PAN.
Most of these offer one-time free access, but you may have to pay for the full report.
Tips: How to Improve Score?
- Pay bills on time.
- Use less than 30% of your credit card limit.
- Don’t close old accounts.
- Check every 3-6 months for errors.
- If your score is low, you can raise a dispute on the CIBIL site.
| Method | Essentials | Price |
|---|---|---|
| CIBIL Website | Mobile/Email/Aadhaar | Free for the first time, ₹550 after that |
| Aadhaar OTP | Aadhaar Number | Free/Paid |
| Bank Apps | Bank Account/Mobile | Free (depending on bank) |
| Third-Party Sites | Email/Mobile | Free Trial |
Pros and Cons
Pros:
- Easy access from mobile even without a PAN.
- Super-fast verification with Aadhaar.
- Free annual check.
- Everything can be done online, from the comfort of your home.
Cons:
- May be rejected if details don’t match the first time.
- Paid reports can be costly.
- Internet and OTP are required.
- Manual support is needed if errors occur.
Conclusion
Checking your CIBIL score without a PAN is incredibly easy – just use your mobile, Aadhaar, or email address and try the official site or app. Knowing this can help you track your financial health and get better loans. Try it now, and let us know your score in the comments (don’t share details)! Stay safe and practice smart banking!
