The Most Effective Way To Check Credit Score Online Using Pan Card

In today’s world, having a good credit score is essential for maintaining financial stability and creditworthiness. A credit score is a numerical representation of your creditworthiness, and it plays a significant role in determining your eligibility for loans, credit cards, and other financial products. 

Checking your credit score is the first step toward building a solid credit history. One of the best ways to check credit score online is by using your PAN card. By using your PAN card, you can quickly and easily check your credit score online. To check CIBIL score by PAN card, visit either CIBIL website or Bajaj Finserv financial institution official website. Checking your credit score regularly is essential for maintaining a good credit history and financial security. Utilizing your PAN card, you can stay up-to-date on your creditworthiness and take steps to enhance it.

Important steps to check CIBIL score by PAN card

  • To check CIBIL score by PAN card, visit the Bajaj Finserv website at 
  • Search for the “Check Your CIBIL Score” section on the Bajaj Finserv website.
  • Click on the “Check Score” link to check CIBIL score by PAN card.
  • Enter your mobile number to log in. You will receive a One Time Password (OTP) on your mobile number.
  • On the next screen, enter the OTP you received and click the “Submit” button.
  • Fill out the online form by providing your name, date of birth, PAN card number, and other required details to check credit score.
  • Accept the terms and conditions.
  • Click on the “Submit” button to check your credit score.
  • Your CIBIL score and report will be displayed on the screen.

Factors affecting your CIBIL score

Payment history

Your payment history is crucial in determining your credit score. Timely payments on loans and credit card bills can help improve your credit score. However, late payments, defaults, and settlements can have a negative impact on your credit score.

Credit utilization

Credit utilization refers to the percentage of your credit limit that you are currently using. Maintaining a credit utilization ratio of 30% or less is recommended. High credit utilization can indicate a high debt burden and negatively impact your credit score.

Credit mix

A healthy credit mix includes both secured and unsecured loans. A mix of credit helps show that you can manage different types of credit responsibly. A good credit mix can have a positive impact on your credit score.

Length of credit history

The length of your credit history also plays a role in determining your credit score. The longer your credit history, the more data there is to demonstrate your creditworthiness. A longer credit history can help improve your credit score.

Recent credit behavior

Recent credit behavior can also affect your credit score. Too many credit inquiries within a short period, and applying for too many loans or credit cards can negatively impact your credit score.


Importance of PAN card to check credit score

A PAN, or Permanent Account Number, is a unique alphanumeric identifier assigned to Indian citizens. It is an essential document for conducting financial transactions and filing tax returns. When you check credit score, providing your PAN card number is mandatory. Since PAN is a unique number, it ensures your credit information is not mixed up with someone else’s. Additionally, as per Section 139A(7), only one PAN card is permitted per person, and duplication is not allowed. In conclusion, a PAN card plays a crucial role in maintaining the accuracy and credibility of your credit score information. Therefore, to check credit score, a PAN card is necessary and a very important document.


Advantages of checking credit score by PAN card online

  • Convenience: Checking your credit score online is a quick and easy process. You can check credit score from the comfort of your home by using Bajaj Finserv Credit Pass service, making it a convenient way to stay on top of your finances.
  • Regular updates: By checking your credit score online, you can monitor any changes to your score. This can help you identify issues early on, such as missed payments or fraudulent activity.
  • Detecting errors: Checking your credit score online can help you identify any errors or inaccuracies in your credit report. By detecting errors early on, you can take steps to correct them before they negatively impact your credit score.
  • Peace of mind: Checking your credit score online can give you peace of mind knowing that you are on top of your finances. You can rest easy knowing that you know your credit score and can take steps to improve it if needed. So, check your credit score online regularly to stay financially fit.


Checking your credit score online using your PAN card has never been easier. With the advancement of technology, you can check credit scores from anywhere and at any time. Knowing your credit score is essential as it enables you to assess your financial health, make better financial decisions, and take corrective actions if required. Moreover, by regularly checking your credit score, you can keep track of any errors or fraudulent activities in your credit report, which can adversely affect your creditworthiness.