A good CIBIL™ score is essential for accessing loans and credit cards on favorable terms. Many individuals inquire if Aadhaar Card can be used to check their CIBIL™ score. As of now, you cannot check your CIBIL™ score using your Aadhaar Card. The only mandatory document for checking your CIBIL™ score is your PAN card. Let’s explore the steps to check your CIBIL™ score and the alternative ways available to access it.

Can You Check CIBIL™ Score with Aadhaar Card?

No, Aadhaar Card is not a valid ID for directly checking your CIBIL™ score. The Credit Information Bureau India Limited (CIBIL™) requires your PAN card to access your credit history and generate your score. However, Aadhaar can sometimes serve as an additional ID proof during the registration process.

How to Check Your CIBIL™ Score Online?

Although you cannot use Aadhaar Card to directly fetch your CIBIL™ score, here are the two most common methods to access it:

Method 1: Through the CIBIL™ Website

CIBIL™’s official website is the most trusted and direct way to check your credit score. Follow these steps:

Step 1: Visit the Official CIBIL Website

  • Go to the official website of CIBIL™(https://www.cibil.com/).
  • Click on “Get Your Free CIBIL™ Score” on the homepage.

Step 2: Log in or Register

  • Existing User: If you already have an account, click on “Log In” and enter your username and password to access your account.
  • New User:
    1. Click on the registration option.
    2. Enter the required details such as:
      • Email Address
      • Password
      • First & Last Name
      • ID Type (PAN Card, Passport, Voter ID, etc.)
      • ID Number
      • Date of Birth
      • Pincode
      • Mobile Number
    3. Agree to the terms and click “Accept and Continue” to proceed.

Step 3: Verify OTP

  • You will receive a One-Time Password (OTP) on your registered mobile number and email address.
  • Enter the OTP to verify your account.

Step 4: Access Your CIBIL™ Dashboard

  • After successful verification, you will be redirected to your CIBIL™ account dashboard.
  • Your credit score will be displayed on the main screen.

Important Note: PAN Card is the primary ID used to fetch your credit report. Other acceptable ID proofs include a passport, voter ID, driver’s license, and ration card. Aadhaar card is currently not supported.

Step 5: Get Detailed Credit Report (Optional)

  • To access a detailed credit report, you can subscribe to CIBIL™’s premium services for a nominal fee.
  • This report provides insights into your credit history, repayment track record, and suggestions to improve your credit score.

Method 2: Check CIBIL™ Score via Online Websites and Mobile Applications

Apart from the CIBIL™ website, several third-party platforms allow users to check their CIBIL™ score online. Most of these platforms require a PAN card for authentication.

Steps to Check CIBIL™ Score via Third-Party Platforms

  1. Choose a Trusted Website or App: Popular options include CreditMantri, Paisabazaar, BankBazaar, or Wishfin.

  2. Register or Log In: Sign up using your email ID, mobile number, and personal details.

  3. Enter PAN Card Details:

  4. Provide your PAN card number as it is mandatory for credit score retrieval.

  5. Verify Your Identity: Enter the OTP sent to your mobile number for verification.

  6. Check Your CIBIL Score: Your score will be displayed on the dashboard of the website or app.

Why Is a PAN Card Required for CIBIL™ Score Checks?

The PAN card is linked to your financial activities, including loan applications, credit card usage, and payment history. CIBIL™ uses this information to calculate your credit score. Aadhaar, though a robust identity proof, is not connected to your credit history and cannot be used to fetch a CIBIL™ score.

Key Insights About Checking CIBIL Score with Aadhaar Card

  1. PAN Card is Mandatory: The current credit score check mechanisms rely heavily on PAN card details. Aadhaar card-based credit score retrieval has not been implemented yet.

  2. Aadhaar as Supporting Proof: While Aadhaar cannot fetch your CIBIL™ score directly, it is often required during identity verification for other financial services.

  3. Stay Alert for Updates: The financial landscape is constantly evolving. Aadhaar may be integrated into credit score checks in the future, so keep an eye on announcements from CIBIL™ and other credit bureaus.

Final Thoughts

Currently, checking your CIBIL™ score with an Aadhaar card is not possible. You can easily check your credit score using a PAN card through the official CIBIL™ website or trusted third-party platforms. Always ensure your personal and financial details are handled on secure and verified platforms.

By regularly monitoring your CIBIL™ score, you can take proactive steps to maintain or improve it, ensuring a smooth financial journey.