Instant PAN Lookup

CIBIL Score Check by PAN Number

Checking your CIBIL score using your Permanent Account Number (PAN) is the fastest and most accurate way to retrieve your complete credit report history from TransUnion CIBIL.

Data Privacy

Your PAN number is highly encrypted and used only to fetch credit records. We never share your data with unauthorized third parties.

Soft Inquiry

Using your PAN card details to check your credit score counts as a soft check and has zero impact on your CIBIL rating.

Detailed Account Matching

PAN checks retrieve exact accounts matching your tax and bank filings, preventing mistaken identity issues.

Primary Key

Why is PAN Required for CIBIL Checks?

Your Permanent Account Number (PAN) is a unique 10-digit alphanumeric identifier issued by the Income Tax Department of India. It plays a critical role in credit reporting:

Preventing Identity Errors: Millions of borrowers share similar names, dates of birth, or addresses. The PAN card acts as a unique tag to ensure you only get rated for your own loans.
Centralized Financial Track: All credit cards, active overdraft limits, home loans, and personal loans are mandatory linked to your PAN, making it easy to generate a unified financial profile.
Preventing Fraud: Utilizing PAN verification validates that credit applications are initiated by the actual cardholder, safeguarding against identity theft.

PAN Card

Fast Digital Processing

By combining PAN lookup with secure OTP authentication, we can pull your real-time CIBIL profile directly. This is the gold standard for paperless lending in India.

✔ 100% paperless verification
✔ No hard inquiry damage
✔ Completed in under 2 minutes

FAQs

Frequently Asked Questions

Find immediate answers regarding PAN-based credit checks.

Can I check my CIBIL score online without a PAN card?

Yes, you can check your score using other details like your passport number, voter ID, or Aadhaar card. However, a PAN check is highly recommended because it is the most reliable index used by banks to track loan history.

Is my PAN card secure when checking CIBIL online?

Absolutely. Paisa in Minutes employs bank-grade 256-bit encryption protocols. We use your details solely to authenticate the query with the credit bureau database.

Does checking CIBIL score via PAN count as a credit query?

When you pull your own credit score, it is considered a soft enquiry. Soft enquiries are not visible to other banks and have zero impact on your CIBIL rating.